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.
Join the lender networkUS lenders. US businesses.
How participation works
- 24 hours to claim it. You get first look. Claim it within 24 hours and it's yours; if you pass, it moves to the next best fit. 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
- Referral arrangements and existing agreement status.
Before joining, you can see exactly what a routed deal looks like — the real fields, with no login required.
More for lenders: Equipment finance deal flow, matched to your credit box · How an equipment financing referral reaches your desk · For second-look equipment lenders: the files the bank passed on · Looking for equipment finance brokers? A referral network for lenders instead · Equipment finance lead sources: where deal flow comes from, and what each one asks of you · Equipment leasing referral partners: what a good one looks like · How to get more equipment finance applications without buying leads · Pay only on funded deals: how a success-based referral fee works · Application-only equipment deal flow, matched to your program · Second-look equipment and truck deals, for the lenders who fund them · Small-ticket equipment deal flow, sized to your program