Customer Service Frequently Asked Questions

Q:  What is a lease/rental agreement?
A:  A lease/rental agreement is a contractual, pre-determined schedule of payments with optional ownership. Unless you are provided with a written purchase option, you will be offered an opportunity to purchase the equipment for what is known as Fair Market Value.

Q:  How do I exercise my purchase option? (Lease/Rental Agreements Only)
A:  The first step is to identify your purchase option date on your contract. Second, notify us of your intent to exercise your early purchase option (no earlier than 60 days before the purchase option date). Third, you will receive an invoice for the purchase option amount. Payment of the purchase option must be received by the maturity date unless advised otherwise in writing or on your invoice.

Q:  What is a finance agreement?
A:  It is a contractual, pre-determined schedule of payments with full ownership to you at the successful culmination of the agreement.

Q:  Is the agreement cancelable?
A:  The agreement is a non-cancelable contract. If you wish to cancel the agreement during the course of the term, you may request to buy out the remaining amount owed on the contract.

Q:  How do I request a "buyout"?
A:  You may request a buyout by emailing Customer Service at (customer.care@irwincf.com) or faxing your request to 425.451.1153. Unfortunately, we are unable to accept verbal requests at this time.

Q:  How do I change the bank account for my automatic debit?
A:  Simply fax a copy of a voided check and a signed, updated ACH form, attention to Customer Service, to 425.451.1153 or email it to (customer.care@irwincf.com). Please ensure to indicate your account number(s), contact name, position, and phone number. If you do not have access to a fax machine, you may also mail the information to:

Irwin Commercial Finance, Equipment Finance
Attention: Customer Service
330 120th Avenue NE, Suite 110
Bellevue, WA 98005

Q:  How do I change my address?
A:  You may either call us at 877.460.1499 / 425.460.1400, fax us at 425.451.1153, or email us at (customer.care@irwincf.com) and update your information. For faxes, please ensure the request is on your company letterhead. Please indicate if the change is for billing only, your place of business, and /or the location of the leased financed equipment.

Q:  I wish to transfer my lease/finance agreement. Is this possible and how do I proceed?
A:  Our lease agreements are non-transferrable, however, we may be willing to add an additional party to your agreement. Please fax us a written request at 425.451.1153 and we will respond with a credit application and further instructions for your potential buyer.

Q:  I am doing my year-end financials and I require some information regarding my lease/rental agreement. How do I proceed?
A:  Please fax us your request at 425.451.1153 and we will respond with an audit confirmation detailing the terms and current status of the agreement.

Q:  I am sales tax exempt. How do I inform you?
A:  Please submit a certificate of exemption to fax number 425.451.1153, Attn: Customer Service or email us at (customer.care@irwincf.com).

Q:  Does the equipment leased/financed by Irwin Commercial Finance require insurance coverage?
A:  Yes. It is your responsibility to make sure the equipment is sufficiently covered by property and/or liability insurance. If proof of insurance is not provided, we can provide coverage for an additional fee to your lease/finance payment.

Please click here for more information regarding our insurance requirements.