Commercial Equipment Financing, Matched to Your Deal

EFN matches business owners with equipment lenders whose appetite actually fits the deal.

Most equipment finance leads get sold or blasted to a dozen lenders at once, and the borrower spends the next week fielding calls from institutions that were never going to fund the deal. Equipment Funding Network works the other way: your request is reviewed by a person against what each lender actually writes — asset type, age, credit profile, time in business, deal size, location — and introduced to a funding source only when there is a genuine fit.

Start a funding request

What happens after you submit

  1. 1. You submit. About five minutes. Soft pull only. It does not touch your score.
  2. 2. A person reviews it. Compared against lender appetite. Nothing is sent automatically.
  3. 3. You get a status link. You always know where the file is, and when it moves.
  4. 4. One lender at a time. That lender has 48 hours to claim it before it is offered to the next match.

How a match looks

Three illustrative files, drawn from real deal experience, showing how our scoring model reads a fit. Each one is an example, not a live borrower.

2021 Cat 320 Excavator in New Hampshire (example)

$186,000 · Dealer · credit 680-719 · 5+ years in business. Suggested match: Regional specialty lender (Specialty lender · Example match). This is an illustrative file, not a live borrower.

2018 Peterbilt 567 dump in Texas (example)

$142,000 · Dealer · credit 640-679 · 2-4 years in business. Suggested match: Vocational truck specialist (Specialty lender · Example match). This is an illustrative file, not a live borrower.

2022 John Deere 8R tractor in Iowa (example)

$285,000 · Dealer · credit 720+ · 5+ years in business. Suggested match: Agricultural credit union (Credit union · Example match). This is an illustrative file, not a live borrower.

Equipment finance is local, specialized, and completely opaque

Most buyers rely on whoever the dealer recommends, or call banks at random. The result: their credit gets shopped to a dozen lenders, most of whom were never a fit. EFN brings the routing intelligence that has been missing — structured intake, appetite-matching, and human review before a single lender receives your file.

Equipment type matters more than you think

Yellow iron, trucks, medical, and ag equipment all have different lender pools. A great credit score means nothing to a lender who does not fund your collateral type.

Geography is often the hard stop

Most equipment lenders are regional or state-licensed. Applying broadly without checking state coverage wastes everyone's time.

Credit shopping leaves marks

Every application to the wrong lender is a potential hard inquiry. EFN evaluates fit first, with a soft pull only. Your file only moves when there is a reason to send it.

How it works

  1. Describe the equipment. Type, category, year, condition, seller type, and purchase amount.
  2. Share your business profile. Location, industry, time in business, revenue range, and credit range.
  3. EFN identifies potential fits. Your request is compared to lender appetite profiles. Only fits are surfaced.
  4. Selective routing only. A human reviewer evaluates each match before your file moves forward.

The whole intake takes about five minutes.

Why we don't send your file to every lender

Most lead-gen services make money by volume. They sell your information to as many lenders as possible and let you sort out the rest. That means multiple hard pulls, unsolicited calls, and lenders who were never a fit in the first place.

EFN only earns a fee when a deal actually funds, and we bill the lender for it, never you. That means it is in our interest to send your file to the right lender, not the most lenders. A human reviews every match before your information leaves this platform.

How EFN compares

Credit pull at intake
EFN: soft pull only. Applying direct: hard pull common. A broker: varies.
Who sees your information
EFN: matched lender only. Applying direct: every lender you contact. A broker: often distributed broadly.
Lender appetite matching
EFN: matched to stated criteria. Applying direct: you research and guess. A broker: limited to that broker's network.
Routing control
EFN: selective, human reviewed. Applying direct: a new application each time. A broker: often submitted in bulk.
Fit feedback before sharing
EFN: shown before the file moves. Applying direct: only after a decline. A broker: rarely provided.
Cost to the borrower
EFN: free. Applying direct: free. A broker: a finder fee is often billed to you.

Built for the files banks pass on

Older iron, still fundable

Turned down for a high-mileage truck or an aged trailer? We route to lenders who specifically fund that collateral instead of declining on age alone.

The whole picture, not one score

Matched on time in business, revenue, and the asset, so a rough credit line does not end the conversation before it starts.

One lender, every step visible.

A person reviews the match before your information leaves the platform, and it goes to a single lender first. You always know where your file is.

What our lenders love

If you can write it off as equipment, they want to look at it. Trucks, yellow iron, medical, ag, kitchen lines, machine tools. Each category shows typical deal size and what usually stalls a file.

Commercial Trucks ($25,000 – $500,000 per unit; fleet packages to $2M+) · Dump Trucks ($40,000 – $350,000) · Construction Equipment ($30,000 – $2,500,000) · Trailers ($15,000 – $200,000) · Agriculture Equipment ($25,000 – $1,500,000) · Medical Equipment ($15,000 – $2,000,000) · Restaurant Equipment ($10,000 – $500,000) · Manufacturing Equipment ($25,000 – $3,000,000) · Vocational Trucks ($50,000 – $600,000) · Technology Equipment ($10,000 – $500,000)

All equipment types · Guides and articles

For lenders

Banks, credit unions, and specialty lenders define their appetite in detail, and EFN routes only to lenders whose criteria match the request rather than to a generic lead pool. Each qualifying lead goes to one lender at a time with a 48-hour window to accept before it moves to the next match, joining is free, and a referral fee applies only on funded transactions. Join the lender network or see what a routed deal looks like.

Common questions

Is EFN a lender?
No. Equipment Funding Network is a match and routing service. We are not a lender and do not make credit decisions.

Does this trigger a hard credit pull?
No. Submitting a match profile with EFN is a soft pull only and does not impact your credit score. Any formal credit review is initiated by a funding source, with your awareness, as part of a separate financing process.

What makes this different from a lead generation service?
Traditional lead generation blasts your information to as many buyers as possible. EFN routes selectively, only to lenders whose appetite criteria appear to fit your specific request.

What if my credit is below 620?
Some lenders in the network have appetite for challenged credit on a case-by-case basis, depending on equipment type, down payment, and time in business. There is no guarantee of a match, but low credit does not automatically disqualify a request.

See all frequently asked questions.

What EFN is

Equipment Funding Network is a match and routing service, not a lender. EFN does not make credit decisions and does not set your financing terms — the funding source does. Using EFN costs you nothing, and your information is never sold to third parties. Submitting a profile does not guarantee approval, financing terms, or lender acceptance. Final approval, terms, rates, and documentation requirements are determined by the funding source.