Almost every commercial client you bank buys equipment. LenderCloud gives your bank the technology, credit decisioning and structuring expertise to finance it, from $10K to $10M, under a model that fits your balance sheet. You keep the relationship.
Equipment is one of the most frequent financing needs your commercial clients have, and one of the easiest to lose to another lender.
The business with your operating account, your line of credit and your CRE loan is buying trucks, machines and technology every year. When that deal goes to a captive or a dealer's lender, so does part of the relationship.
A $60,000 skid steer deserves a decision in a day, not a full credit memo. Most banks can't underwrite small equipment deals profitably by hand — so they quietly pass on them.
Residual expertise, lease documentation, titling, UCCs, servicing and a technology stack are a multi-year build. A partnership gets you to market in weeks.
Every bank has a different risk appetite and capital plan. Pick the model that fits today, and change it as your program grows.
Refer clients through your own link or a co-branded application. LenderCloud underwrites, documents, funds and services. Your bank earns a referral fee on funded volume.
Best for: testing demand with no credit exposure
We originate, structure and service. Your bank participates in deals that fit a credit box you define up front — industry, ticket size, geography, term — and you can opt in deal by deal.
Best for: growing earning assets with control
Launch an equipment finance program under your bank's brand: a branded application, automated decisions on your credit rules, and a pipeline portal for your lenders. Book the assets on your balance sheet.
Best for: banks building a long-term equipment franchise
LenderCloud also originates directly with small businesses, enterprise borrowers and equipment sellers. Banks can buy participations in that flow by industry, ticket size and geography, adding earning assets beyond their own footprint.
The platform that powers LenderCloud's direct, enterprise and seller channels, pointed at your clients.
No tax returns or financial statements on qualifying deals up to $1M. Automated credit decisions mean your client hears back fast — and your lender looks good.
Larger and more complex transactions get a structuring team: FMV and $1-out leases, seasonal and step payments, and terms aligned to how the equipment earns.
Every referred or bank-branded deal shows up in a portal with its status, the documents outstanding and the next step. No more emailing for updates.
Submit applications, receive decisions and exchange documents programmatically. Plug equipment finance into the systems your bankers already use.
Your equipment-dealer customers can offer point-of-sale financing through the same program — giving them a reason to bank with you, too.
Every equipment conversation is a reason to talk treasury, payroll and merchant services. The deal stays inside your relationship, not a competitor's.
From first conversation to funded deals in weeks, not years.
We learn your markets, credit appetite and goals — fee income, earning assets or both — and recommend a starting model.
Agree the credit box, participation levels or referral economics, branding and reporting. Legal agreements and compliance review happen here.
Your team gets a referral link or bank-branded application, lender training and a co-marketing kit for your commercial clients.
Deals flow through automated decisioning and structuring. You track every deal live and receive portfolio reporting every month.
You're putting your name and your balance sheet behind this. The controls are built in.
Credit rules for participation and bank-branded programs are agreed in writing and applied consistently to every deal.
Each credit decision is stored with the application data and attributes behind it — ready for your credit review and examiners.
Sensitive borrower data is encrypted, documents sit in private storage, and access is role-based — your bankers see only your bank's deals.
Both. Programs support equipment finance agreements, loans, $1-out and FMV leases. We match the structure to the client's tax position, cash flow and how they use the equipment.
You do. In referral and participation programs we never cross-sell competing deposit or lending products to your clients. In a bank-branded program the client sees your brand.
Yes. Many banks start with referrals, then add participation once they've seen the deal flow. You can choose the model deal by deal.
$10,000 to $10,000,000. Deals up to $1,000,000 can be decided on the application alone; larger deals go to our structuring team for a full-file review.
Yes. Beyond your own clients, LenderCloud originates directly with small businesses, enterprise borrowers and equipment sellers. Capital partners can buy participations in that flow inside a defined credit box.
A 30-minute conversation is enough to know which partnership model fits your bank, and what it could add in fee income and earning assets.