---
title: How Earth & Turf Simplified Equipment Financing with APPROVE
description: Learn how Earth & Turf uses APPROVE to simplify equipment financing, reduce follow-up work, and give customers a more personal financing experience.
---

[APPROVE Blog](https://www.approvepayments.com/blog-approve)

# [How Earth & Turf Simplified Equipment Financing with APPROVE](https://www.approvepayments.com/blog-approve/how-earth-turf-simplified-equipment-financing-with-approve)

 Written by [Jordan Deger](https://www.approvepayments.com/blog-approve/author/jordan-deger) | Sep 29, 2026, 7:50:22 PM

For Pennsylvania-based [Earth & Turf](https://www.earthandturf.com/), selling equipment often means working directly with customers across the country to find the right machine for a specific application.

Earth & Turf manufactures commercial-grade compost spreaders, topdressers, and other specialized spreading equipment for landscapers, turf professionals, growers, homeowners, and other customers. The company operates as part of Conestoga Manufacturing, which also manufactures a line of manure spreaders.

Because Earth & Turf serves a specialized market, its sales model includes both equipment dealers and direct-to-customer sales. When there is not a local seller available, the team can work directly with the customer to help them select and purchase the equipment they need.

That direct relationship makes having a simple equipment financing process especially important.

## When Equipment Financing Creates More Work Than It Solves

Before APPROVE, offering financing was anything but simple for Earth & Turf.

“I think the best word would probably be a mess,” said Jeb Fregm, Sales Representative at Earth & Turf.

The company had access to financing through another provider, but Fregm found the process difficult to navigate. Different contacts handled different parts of the process, making it harder to know where a deal stood or what needed to happen next.

“It just got confusing,” he explained. “It really was not streamlined. It was not effective.”

For a smaller business where employees are already balancing sales, marketing, customer service, and other responsibilities, a financing process that requires significant hands-on management can quickly become a burden.

Earth & Turf needed something simpler.

## A Simpler Way to Offer Financing

With APPROVE, Fregm can introduce financing to a customer without having to manage every step of the process himself.

“Now it’s so easy because I can send a pre-filled application page to a customer and it’s so straightforward,” he said.

From there, the APPROVE team helps customers move through the financing process while keeping Earth & Turf informed along the way.

That combination of technology and personal support is especially valuable to Fregm. He can use the APPROVE portal to check applications and deal progress when convenient, while also having people available to answer questions and help when needed.

“There are times I’ve driven 14, 16-hour days,” he said. “During those days I can’t stop and bring out my computer and dig into this and that.”

In those situations, being able to call or text an actual person makes it easier to stay connected to a deal without interrupting the rest of his work.

## Giving a Small Business More Time to Focus on Sales

For Earth & Turf, the value of that support extends beyond convenience.

As a smaller business, the company has to be thoughtful about where its team spends its time. Taking on another specialized process internally means learning it, managing it, and following up with customers when documents or information are still needed.

APPROVE helps take that work off their plate.

“We fit the small business category for sure,” Fregm explained. “That means that we’re limited on resources as far as people, time, understanding things.”

Rather than requiring the Earth & Turf team to become financing experts, APPROVE gives them access to a dedicated team that can help customers navigate the process and keep deals moving.

“It’s so worth it when I can just hand things off and it’s taken care of,” he said. “I’m not bogged down with levels of work.”

That means less time spent managing financing details and more time available for the work Earth & Turf knows best: helping customers choose the right equipment.

## A Financing Partner Earth & Turf Trusts With Its Customers

Ultimately, the most important part of the relationship for Fregm is knowing that customers will receive the same kind of personal support Earth & Turf strives to provide itself.

When customers ask who Earth & Turf works with for financing, his answer is easy.

“I always just tell them APPROVE. They’re real people.”

For a company built around working directly with customers and helping them find the right equipment for their needs, that matters.

“The most helpful thing for me is that I can send a customer your way and I know they’re in good hands,” he said.

APPROVE also handles many of the follow-ups that would otherwise fall back on Earth & Turf’s sales team, from collecting information to helping customers understand what comes next.

“I don’t like doing all the nitty gritty, like, ‘Hey, did you get this paper in?’” Fregm explained. “The customers are taken care of.”

For Earth & Turf, that has turned financing from a complicated process into something much easier to offer alongside an equipment sale.

And for other equipment sellers considering APPROVE, Fregm’s recommendation is simple:

“I would recommend APPROVE for any other small or large business.”

[View full post](https://www.approvepayments.com/blog-approve/how-earth-turf-simplified-equipment-financing-with-approve)

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