Join the Lender Network

Define exactly what you want to fund. Receive only what fits.

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. Joining is free.

How participation works

• Exclusive 24-hour window. Each lead goes to one lender at a time, yours first. You have 24 hours to accept before it moves to the next match, with no competing calls from other lenders.
• Pre-screened, appetite-matched. Every match is human-reviewed against your credit box before it reaches you. You only see deals that fit your stated criteria, geography, and equipment types.
• No cost until a deal funds. A referral fee applies only on deals that actually fund. Pay nothing for leads you pass on.
• Ranked on fit, never on price. One flat referral fee for every lender in the network. No lender can pay to be routed ahead of another.

The appetite profile you define

Geography

National or regional. Specify which states you serve, plus any county restrictions, border states, or preferred markets.

Equipment categories

Select what you fund across trucks, trailers, construction, agriculture, medical, and more.

Credit box

Minimum FICO, PayNet score, startup appetite, challenged-credit comfort, time in business, and home-ownership requirements.

Deal size parameters

Hard minimum, maximum, and preferred sweet spot.

Documentation thresholds

App-only limits and full-doc requirements by deal size.

Asset and collateral rules

Equipment age limits, mileage caps, new versus used, and private-party acceptance.

Commercial terms

Brokered submissions, referral arrangements, or existing agreement status.

Before joining, you can see exactly what a routed deal looks like — the real fields, with no login required.