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Vendor and dealer financing programs

Published October 5, 2026

A vendor program connects an equipment seller, such as a dealer, manufacturer or distributor, with one or more lenders so customers can finance a purchase at the point of sale.

For buyers

• Financing can be arranged alongside the quote, which speeds up delivery.
• Manufacturer-backed promotions, such as reduced-rate or deferred-payment offers, are sometimes available.
• Compare any vendor offer with independent quotes, because the convenience may or may not come with the best terms.

For vendors

• Offering financing can raise average deal size and close rates.
• Programs vary in how they handle applications, approvals, documentation and funding. Ask how quickly a deal moves from application to funded.
• Some programs are fully white-labelled. Others are referral-based, with the lender dealing directly with your customer.
• Ask about recourse, buy-back requirements and how fees or subsidies are handled.

Questions to ask any program

1. Who underwrites, and what credit profile do they serve?
2. How are approvals communicated, and how long do they take?
3. What are the documentation and funding requirements?
4. Who owns the customer relationship afterwards?