Worst financing company I've ever dealt with. Do NOT finance with them.
If you ever decide to pay off your equipment early, they will still charge you the full interest for the entire term. Their focus is clearly on maximizing their profit, not being fair or transparent with customers.
They do not clearly disclose the breakdown between principal and interest, and important details are not explained upfront. Everything feels hidden until the last moment, which makes them very difficult to work with.
When I signed up, I was told there was no prepayment penalty and that I could pay off anytime. However, after 12 months when I tried to pay off my equipment, they told me I still had to pay all remaining interest for the full term -- as if I was keeping the loan for years.
On top of that, they include multiple clauses that heavily favor them, including strong lien terms when purchasing equipment.
After a year of payments, I found out that out of everything I paid, only about $3,000 went toward principal -- even though I had already paid nearly half of the scheduled payments and had excellent credit.
This has been one of the worst financial experiences of my life. If you value transparency, fairness, and your financial health, I strongly recommend choosing a more reputable and honest financing company.
Financing with bravo is like a marriage contract you only realize at divorce stage what you signed up for. read more