Turn Equipment Needs Into Deeper Relationships
Equipment funding should be your wedge to deeper relationships, more deposits, and greater fee income—with the flexibility to keep all, part, or none of the asset on your books.
The Strategic Opportunity
Equipment payment solutions aren't just another loan product. They're the entry point to comprehensive business relationships.
The contractor who needs equipment payments needs business checking, deposits, commercial real estate financing, treasury services. The manufacturer needs working capital lines, merchant services, employee banking.
Payment solutions open the door. The relationship multiplies from there.
But only if you can offer sophisticated solutions that meet real business needs.
Flexible Partnership
Structure Risk Your Way
Keep 100% on your books. Participate at whatever percentage makes sense. Refer entirely and earn fee income. Your choice, deal by deal.
Portfolio Management
Serve customers without stretching equipment concentration. Access smarter structuring, secondary-market insight, and modern technology—without the overhead.
Strategic Capital Efficiency
Why build an expensive equipment team when you can partner with proven expertise? Open new opportunities while managing risk exactly how you want.
Expertise Access
Structures Beyond Standard Loans
Seasonal payment structures. Usage-based models. Contract-aligned terms. As-a-service models. Solutions that win relationships standard commercial loans can't serve.
New Business Opportunities
Your sellers need vendor programs. TPOs need lending support. Customers need structures banks don’t offer. Partnering with us opens these opportunities while you stay the key relationship.
Partnership Models
Referral Programs — Refer opportunities, earn fee income. Keep the customer relationship. We handle transaction complexity.
Co-Lending Structures — Participate at whatever level makes sense for your balance sheet. Share credit risk. Share revenue. Maintain the relationship.
Participation Options — Lead the transaction with your customer. We participate at predetermined levels. You manage the relationship.
White-Label Possibilities — For larger ambitions—infrastructure, expertise, and technology under your brand.
What You Get
- Partnership that expands business banking capabilities
- Flexible risk management on your terms
- Access to payment structuring expertise without building a team
- Fee income and relationship expansion opportunities
- Technology and infrastructure without capital investment
- Support for your business banking strategy
Ready to align payments with your institution’s strategy?
Flexible partnership on your terms, deal by deal. Originate through CapVex to submit and track referrals in real time.