Help your customers say yes with point-of-sale financing
Equipment vendor financing means the seller offers or arranges financing so the buyer can pay over time. Most vendors do it through a finance partner, so they get paid up front while the customer makes monthly payments. Here is how it works and the 7 programs you can offer.
7 vendor financing programs you can offer customers
Having more than one structure ready lets you match the payment to how each customer's business earns.
Financing in-house vs. through a finance partner
| Vendor finances in-house | Through a partner like Liberty Capital | |
|---|---|---|
| Who carries the risk | You do | The lender |
| When you get paid | Over the life of the loan | Up front, usually 1–5 days after signing |
| Credit decisions | Your team | Our underwriters and lender network |
| Customers with weaker credit | Hard to approve safely | Several credit tiers, startups considered |
| Paperwork | You create and track it | We handle applications and documents |
Most dealers choose a partner so they can offer financing without tying up their own cash or taking on credit risk.
Meet Liberty Capital Group
Funding your equipment.
Your trusted source for business capital.
What financing does for vendors and buyers
What your customer submits
- The one-page Customer Credit Application
- Your invoice or quote (multiple vendors can be combined into one payment)
- 3–4 months of business bank statements
- Down payment if required by their credit profile
- Financial statements for larger deals
See where you stand with the approval indicator.
Less-than-perfect credit is not a dead end
Customers with marginal credit or a new business can often still be approved with a down payment, commonly somewhere between 5% and 40% depending on the profile. We pre-qualify with a soft inquiry, so your customer's score is not affected just to see options. A lender runs a hard inquiry only once the deal moves forward.
How to start offering financing
- Enroll as a vendorComplete the Vendor Profile or enroll online.
- Quote paymentsShow a monthly payment next to your price.
- Customer appliesOne-page application plus your quote and bank statements.
- You get paidWe fund you directly once documents are signed.
Equipment vendor financing questions
What is equipment vendor financing?
It is financing offered at the point of sale by the equipment seller, usually through a finance partner, so the buyer can pay over time while the vendor is paid up front.
Does offering financing cost the vendor anything?
There is no cost to enroll in our vendor program. See the Vendor Program Guide for program details, including referral fees on funded deals.
Can customers with bad credit be approved?
Often, yes, usually with a down payment. Startups and past credit issues are considered.
Can a customer combine equipment from several vendors?
Yes. Equipment from multiple vendors can be bundled into one approval and one monthly payment.
Does applying affect my customer's credit?
We pre-qualify with a soft inquiry that does not affect their score. A hard inquiry happens only once the deal moves forward.
What is the difference between a lease and an EFA?
With an EFA the customer owns the equipment from day one. With a lease, the lender owns it until the end of the term. See lease vs. EFA.
Ready to offer financing to your customers?
Download the Vendor Profile, or call us to talk through the program.
All financing subject to credit approval. Promotional structures are approval-dependent. Liberty Capital Group, Inc. NMLS #2009539 · CA DFPI #60-DBO49692.