⸺ YOUR FINANCING PROCESS IS COSTING YOU SALES ⸺
⸺ YOUR FINANCING PROCESS IS COSTING YOU SALES ⸺
Built to grow equipment sales.
30+ lenders competing for your buyer — all in one portal.
30+ lenders competing for your buyer
— all in one portal.
Same-day approvals with zero paperwork.
Same-day approvals with zero paperwork.
Keep customer data off your servers.
Keep customer data off your servers.
Real-time tracking and updates.
Real-time tracking and updates.
Onboard your existing lenders.
Onboard your existing lenders.
2-minute setup.
2-minute setup.
$5K-$5M
$5K-$5M
24-74 Months
2-6Y Terms
New & Used
New & Used
A-D Credit
A-D Credit
Maximize flexibility for every customer.
One-click matching. One application → 30+ lenders that compete for your customer.
Earn revenue share. Put up to 40% back in your pocket, or pass it on to your customer.
Real-time visibility. Track app status, upload docs, all in a single portal.
Win more deals with tailored terms for every customer.
One-click matching. One application -> 30+ lenders that compete to get your customer the lowest rate.
Cover every customer. We support $1K to $20M, 1-72mo terms, every credit profile, and all financing structures.
Get multiple offers in minutes. With flexible terms, transparent rates, and the power to choose what works best for your business.
Win more deals with tailored terms for every customer.
One-click matching. One application → 30+ lenders that compete to get your customer the lowest rate.
Cover every customer. We support $1K to $20M, 1-72mo terms, every credit profile, and all leasing/financing types.
Smarter workflows, faster deals. AI handles the paperwork so you and your customers save hours and close faster.
HOW DOES IT WORK?
HOW DOES IT WORK?
Built for simplicity—with zero risk or overhead for you.
One APPLICATION
One APPLICATION
One APPLICATION
Your customer submits a single 5-minute application.
Your customer applies on a portal with your branding.
multiple offers in < 24 HOURS
multiple offers in < 24 HOURS
multiple offers in < 24 HOURS
30+ lenders compete to give your customer the best deal.
30+ lenders compete to give your customer the best deal.
GET PAID UPFRONT
GET PAID UPFRONT
GET PAID UPFRONT
Funds are wired as soon as your customer signs docs.
Funds are wired as soon as your customer signs docs.
ENGINEERED FOR EASE AND PRIVACY
ENGINEERED FOR EASE AND PRIVACY
Avoid liability while reducing friction.
No more logging into multiple portals.
No more logging into multiple portals.
No more endless PDFs.
No more endless PDFs.
No more sending SSNs over email.
No more sending SSNs over email.
White-label and digital.
Customers apply through a clean, branded online experience.
White-label and digital.
Customers apply through a clean, branded online experience.
Modern securitY.
PII never touches your servers. Less liability, more automation.
Modern securitY.
Encrypted dashboards make sending data easy and safe.
Centralized tracking.
Monitor applications, approvals, and updates all in one place.
Centralized tracking.
Monitor applications, approvals, and updates all in one place.
MANAGE ALL YOUR LENDERS IN ONE PLACE
REAL-TIME TRACKING
MANAGE ALL YOUR LENDERS IN ONE PLACE
Track, manage, and optimize every deal in one dashboard.
SEE LIVE APPLICATION STATUSES
SEE LIVE APPLICATION STATUSES
Real-time insights for your sales and finance teams.
Real-time insights for your sales and finance teams.
SEE LIVE APPLICATION STATUSES
Real-time insights for your sales and finance teams.
keep the best performers
keep the best performers
Bring your own lenders and customize your waterfall logic.
Bring your own lenders and customize your waterfall logic.
keep the best performers
Bring your own lenders and customize your waterfall logic.
AVAILABLE ANYWHERE YOU SELL
AVAILABLE ANYWHERE YOU SELL
Increase conversion with Substrate at every point of sale.
Easy, flexible payment options anywhere you sell.
Easy, flexible payment options anywhere you sell.
Website & Checkout.
Native integrations with out-of-the-box APIs or code snippets.
Website & Checkout.
Native integrations with out-of-the-box APIs or code snippets.
Website & Checkout.
Native integrations with out-of-the-box APIs or code snippets.
Emails & Texts.
Generate links so customers can apply the moment they’re ready.
Emails & Texts.
Generate links so customers can apply the moment they’re ready.
Emails & Texts.
Generate links so customers can apply the moment they’re ready.
Quotes & Invoices.
Insert monthly payment options in every quote.
Quotes & Invoices.
Insert monthly payment options in every quote.
Quotes & Invoices.
Insert monthly payment options in every quote.
POWERING ALL OF INDUSTRY
POWERING ALL OF INDUSTRY
Substrate supports essential equipment in every industry.
GET STARTED
GET STARTED
Learn how Substrate can help you grow equipment sales:
Made for every
vendor type.
Made for every
vendor type.
Made for every
vendor type.
OEMs
OEMs
Support direct and dealer sales with your own plug-and-play captive.
Support direct and dealer sales with your own plug-and-play captive.
Learn more
→
Dealers
Dealers
Close bigger deals and increase sales velocity.
Close bigger deals and increase sales velocity.
Learn more
→
Distributors
Accelerate sales and increase order sizes.
Learn more
→
Auctions
Auctions
Attract more bidders and drive higher bids—and get paid upfront.
Attract more bidders and drive higher bids—and get paid upfront.
Learn more
→
International OEMs
International OEMs
Grow US sales with flexible, compliant payment options.
Grow US sales with flexible, compliant payment options.
Learn more
→
Embedded Partners
Embedded Partners
Monetize financing and grow platform stickiness.
Monetize financing and grow platform stickiness.
Learn more
→
System Integrators
System Integrators
Finance end-to-end installs with no extra lift.
Finance end-to-end installs with no extra lift.
Learn more
→
guaranteed lowest rates.
Competing lender marketplace powers the lowest APRs for customers.
guaranteed lowest rates.
Competing lender marketplace powers the lowest APRs for customers.
MODERN AND SEAMLESS.
Manage applications in real-time with modern, AI-powered dashboards.
MODERN AND SEAMLESS.
Manage applications in real-time with modern, AI-powered dashboards.
same-day APPROVALS AND payouts.
Your customers get approved within hours. You get paid the day they sign.
same-day APPROVALS AND payouts.
Your customers get approved within hours. You get paid the day they sign.
Your brand, your checkout.
White-labeled and integrated at your point of sale. We do the work, you get the credit.
Your brand, your checkout.
White-labeled and integrated at your point of sale. We do the work, you get the credit.
Earn up to 40% revenue share.
Stop sending deals away for free. Share in monthly financing revenue.
Earn up to 40% revenue share.
Stop sending deals away for free. Share in monthly financing revenue.
BRING YOUR OWN LENDERS.
Easily onboard your existing partners and set your custom waterfall logic.
BRING YOUR OWN LENDERS.
Easily onboard your existing partners and set your custom waterfall logic.
GET STARTED
GET STARTED
Start offering financing today.
contact
Substrate, Inc © 2026. All rights reserved.
contact
Substrate, Inc © 2026. All rights reserved.
contact
Substrate, Inc © 2026. All rights reserved.
Real-time tracking and updates.
Real-time tracking and updates.