Equipment Financing
Technology equipment financing helps businesses acquire servers, computers, networking equipment, software, and IT infrastructure. When banks or vendor programs decline, alternative lenders may evaluate deals based on equipment collateral, revenue, and structure. Brokers and technology vendors can refer opportunities through the referral partner process.
Businesses need capital to upgrade IT infrastructure, deploy new systems, and stay competitive. Banks often restrict technology lending due to rapid obsolescence, intangible software assets, or business size. When traditional sources decline, equipment financing through alternative lenders may create options depending on deal structure, collateral, and revenue.
Technology vendors and brokers routinely encounter buyers who were declined by banks or in-house programs. Without a referral channel, those deals may not move forward. Technology equipment financing through referral partners provides a path for deals that may qualify depending on structure, revenue, collateral, and lender guidelines. Financing options vary by lender; what one source declines, another may consider.
IT equipment and software may have shorter useful life than industrial machinery. Lenders may use different terms or structures for technology deals. See what is equipment financing and financing for equipment vendors for broader context on how equipment deals are evaluated.
Situations where technology equipment financing is often sought:
Technology equipment financing operates through referral networks. A broker, technology vendor, or advisor with a signed referral agreement submits the deal. The financing partner evaluates the opportunity and, if appropriate, matches it to a lender in their network. The referral partner does not broker the loan—they introduce the opportunity and may receive revenue share when the deal closes.
Deals are reviewed based on multiple factors: credit profile, revenue, time in business, equipment type and value, industry, and structure. Opportunities may qualify depending on how these factors align with lender appetites. No approval is promised—each deal is evaluated on its merits.
Server purchase declined by vendor program. A company needs new data center equipment; the vendor's in-house program declined due to credit. The vendor refers the deal to a referral partner network. An alternative lender with equipment-backed financing may consider the deal depending on structure and collateral.
Software deployment declined by bank. A business needs to finance enterprise software; the bank declined due to intangible asset or size. The business's consultant refers the client to a financing partner. Technology financing may create options depending on revenue and structure.
Broker deal outside lender box. A broker has a solid technology equipment deal that does not fit any of their current lenders. They submit to a referral partner network for evaluation. The network may match the deal to a lender with different guidelines.
Brokers use technology equipment financing when deals fall outside their primary programs. Technology vendors use it when in-house financing declines a buyer. Consultants and CPAs use it when clients need IT equipment or software and have been declined elsewhere. The common thread: a need for a different evaluation than the first lender provided.
Equipment financing is not a guarantee. It is an additional path to explore when the first path did not work. Send declined business loans and hard-to-place business loans for review through the referral partner process. Review the referral agreement before submitting.
Submit borrower and equipment details by email.
We evaluate the opportunity and identify possible funding paths based on multiple factors.
Partners stay informed throughout the process.
When a deal closes, partners may receive 35% revenue share per the agreement.
FAQ
Servers, computers, networking equipment, software licenses, point-of-sale systems, and other IT infrastructure. Lenders evaluate equipment type, useful life, and resale value. Eligibility varies by lender and program.
Banks may decline due to business size, credit, rapid obsolescence of tech assets, or intangible software. Alternative lenders may evaluate technology equipment deals differently based on collateral, revenue, and structure. Each deal is evaluated on its merits.
Technology vendors with a signed referral agreement can refer buyers declined by in-house programs. Vendors introduce the opportunity; the financing partner evaluates it. Learn how vendors get paid for referring financing when deals close.
Credit requirements vary by lender. Equipment-backed deals may consider borrowers with lower credit when equipment collateral and revenue support the transaction. Approval is not guaranteed—each deal is evaluated on multiple factors.
Software licenses and subscriptions may qualify for financing depending on lender guidelines. Some programs treat software as equipment when properly structured. Eligibility varies by lender and program. Each deal is evaluated on its merits.
Yes. Brokers and vendors who refer deals must have a signed agreement with the financing partner. The agreement defines compensation, protects both parties, and establishes the process.
Lenders may use shorter terms or different structures for technology with faster depreciation. Eligibility and terms vary by lender and equipment type. Each deal is evaluated on structure, useful life, and collateral.
Have a technology equipment deal?
Review the referral agreement, sign it, and submit opportunities for evaluation.
