What a routed deal actually looks like

For lenders — the exact fields EFN sends, and what stays withheld.

Before you commit to anything, here is the information EFN sends when a deal matches your appetite, and what stays withheld until you say you want it. The page shows illustrative figures against the real fields; it is not a real borrower.

Stage one — what arrives in your inbox

Enough to underwrite the fit. No identity, so an unclaimed deal costs the borrower nothing. The fields sent are:

• Equipment, make and model, year and condition, mileage or hours, seller type, and where it is kept
• Purchase price (rounded), down payment, desired term, and how soon the borrower needs funding
• Business state and industry
• Time in business, self-reported credit range, and annual revenue range
• How many owners are guaranteeing, or that no personal guarantee is offered, and how the borrower prefers to be contacted
• Match score, and the deadline to respond — 24 hours from delivery

Stage two — released when you express interest

You say so in your lender portal — the new-deal email links straight to it. The borrower's contact details unlock at that moment, and not before. With a signed participation agreement, the full application opens in your portal too — never by email. What unlocks:

• Contact name, company, email and phone, and their preferred way to be contacted
• Entity type and business address
• Ownership breakdown, and whether each owner authorized the credit checks
• The full application, including EIN, and each owner's SSN masked to its last four digits

Social Security numbers are encrypted at rest and are never included in the stage-one match summary. An owner's full SSN is shown only when a signed lender asks for it, one owner at a time and only for an owner who authorized the inquiry, and every view is logged.

Join the lender network to define the appetite profile these matches are checked against.