Software for equipment leasing and vendor finance
An equipment lease involves the lessee, the vendor, the funder, an insurer and usually a broker, and every one of them phones somebody to ask where the deal stands. The work is not the credit decision. The work is keeping five parties informed and one document package complete.
Capital and credit. A file opens, documents get collected, a third party decides, money moves, and every step has to be auditable. We have run this machine in production.
Sub-niches covered: Broker-lessors and lease originators, Vendor finance programs, Captive finance arms of equipment dealers, Micro-ticket and application-only lessors, Municipal and healthcare equipment finance, Software and technology leasing.
You likely have this problem if:
Vendors phone the desk for status because there is no other way to know.
The same lessee details get typed into three different documents.
A funding was delayed by an insurance certificate nobody was chasing.
Commission splits are reconciled at month end, not known per deal.
You cannot rank vendors by volume or approval rate without building a report by hand.
What breaks operationally:
Vendors call the desk for status because they have no other way to know whether their customer is approved.
The same customer details get re-keyed into the credit application, the lease schedule and the funding package.
Insurance certificates and delivery confirmations arrive by email and stall funding without anybody noticing for days.
Commission and residual splits are reconciled in a spreadsheet at month end rather than known per deal.
What we build:
Vendor portal. Vendors submit applications and see live status on their own deals without calling, which removes the single biggest source of inbound interruption.
Structured credit application intake. One intake that populates the credit app, the schedule and the funding package, so equipment details and lessee information are captured once.
Funding conditions tracker. Insurance certificates, delivery confirmations and landlord waivers tracked as blocking conditions with automated chasing against each one.
Commission and residual ledger. Splits calculated per deal at funding rather than reconstructed at month end from a spreadsheet.
What does a vendor portal need to show a dealer?
Three things and nothing else: which of their submitted deals are approved, what document is holding up the ones that are not, and when funding is expected. Everything beyond that adds support burden without reducing phone calls.
Can this sit on top of our existing lease accounting system?
Usually, and it normally should. Lease accounting and portfolio servicing are solved problems with real regulatory weight behind them. The origination workflow, the vendor experience and the document chase are where the gap is, and those integrate cleanly with what you already run.
How do you handle application-only versus full financial packages?
As two different document checklists on the same file, with the threshold that separates them as a setting rather than a rule buried in code. Desks change that threshold with market conditions and should not need a developer to do it.
Is it worth building if we fund fewer than fifty leases a month?
At that volume the argument is rarely headcount. It is deal velocity and vendor retention: vendors send their next deal to whoever answered fastest last time, and a portal that answers without a human wins that comparison consistently.
Last reviewed 22 August 2026