BUILT FOR
BUILT FOR
BUILDERS, OPERATORS, AND DOERS.
BUILDERS, OPERATORS, AND DOERS.
Get the lowest equipment financing rates—guaranteed.
One application connects you to 17 competing lenders. Get approved under 24 hours.
One application.
17 competing lenders.
Get approved in under 24 hours.
One application connects you to 17 competing lenders. Get approved in under 24 hours.
Get the lowest APRs with 24-hour approvals.
One-click matching. One application → 17 competing lenders, so you get the lowest possible rate.
Same-day approvals. 95% of customers get approved within 24 hours.
Maximum flexibility. We support $1K to $20M, 1-84 month terms, new or used equipment, financing or leasing.
"Substrate found me a lease
-57% cheaper than my bank."
David Liu
fmr Head of Prototyping @ Neuralink
"By far the easiest financing
process I've ever gone through."
Syed Saquib
CEO @ brd BOT
"Finally, a lender that doesn't
ask for sensitive info by email."
Will Drewery
fmr Head of Procurement @ Tesla
Get the lowest APRs with 24-hour approvals.
One-click matching. One application → 17 competing lenders, so you get the lowest possible rate.
Same-day approvals. 95% of customers get approved within 24 hours.
Maximum flexibility. We support $1K to $20M, 1-84 month terms, new or used equipment, financing or leasing.
Get the lowest APRs with 24-hour approvals.
One-click matching. One application → 17 competing lenders, so you get the lowest possible rate.
Same-day approvals. 95% of customers get approved within 24 hours.
Maximum flexibility. We support $1K to $20M, 1-84 month terms, new or used equipment, financing or leasing.
Get the lowest APRs with 24-hour approvals.
One-click matching. One application → 17 competing lenders, so you get the lowest possible rate.
Same-day approvals. 95% of customers get approved within 24 hours.
Maximum flexibility. We support $1K to $20M, 1-84 month terms, new or used equipment, financing or leasing.
Get the lowest APRs with 24-hour approvals.
One-click matching. One application → 17 competing lenders, so you get the lowest possible rate.
Same-day approvals. 95% of customers get approved within 24 hours.
Maximum flexibility. We support $1K to $20M, 1-84 month terms, new or used equipment, financing or leasing.
HOW DOES IT WORK?
Your fastest path to the equipment you need—at the best possible price.
one credit app
one credit app
Apply once—it takes 5 minutes.
Apply once—it takes 5 minutes.
multiple offers in < 1 day
multiple offers in 24h
17 lenders bid to get you the lowest rate with the most flexible terms.
17 lenders bid to get you the lowest rate.
real time tracking
real time tracking
Approvals, funding, and updates—track live in your free dashboard.
Track approvals, funding, and updates live in your free dashboard.
BUILT FOR EASE AND PRIVACY
Apply securely. Never send personal information over email again.
FULLY DIGITAL.
Apply through a clean, modern interface. No printers or PDFs.
FULLY DIGITAL.
Apply through a clean, modern interface. No printers or PDFs.
Modern security.
Encrypted dashboards make sending data easy and safe.
Modern security.
Encrypted dashboards make sending data easy and safe.
Centralized tracking.
Track and manage applications in your free, personal dashboard.
live tracking.
Track and manage applications in your personal dashboard.
POWERING ALL OF INDUSTRY
Substrate supports essential equipment in all industries.
REFERRAL PROGRAM
Know an equipment seller? Refer them to Substrate and share 5% of lifetime revenue.
LoweST rates, guaranteed.
17 lenders compete to win your business.
LoweST rates, guaranteed.
17 lenders compete to win your business.
Lightning speed.
95% of applicants are approved same-day
Lightning speed.
95% of applicants are approved same-day
REAL-TIME TRACKING.
Get updates on every step instantly.
REAL-TIME TRACKING.
Get updates on every step instantly.
Maximum flexibility.
Apply for 1-84mo terms, any financing or lease structure.
Maximum flexibility.
Apply for 1-84mo terms, any financing or lease structure.
enterprise-grade security.
No more sending SSNs via email. Protect your privacy with secure dashboards.
enterprise-grade security.
No more sending SSNs via email. Protect your privacy with secure dashboards.
frictionless.
Apply, compare, and sign—all fully digital.
frictionless.
Apply, compare, and sign—all fully digital.
GET STARTED
Apply for financing today.
Questions? Call/text 216-465-7864 or email support@joinsubstrate.com.
contact
Terms of Use, Privacy Policy, Disclaimers
Substrate, Inc © 2025. All rights reserved.
contact
Terms of Use, Privacy Policy, Disclaimers
Substrate, Inc © 2025. All rights reserved.
contact
Terms of Use, Privacy Policy, Disclaimers
Substrate, Inc © 2025. All rights reserved.
HOW DOES IT WORK?
Built for simplicity—with zero risk or overhead. Oh, and it's 100% free.
one credit app
Your customer applies on
a portal with your branding.
multiple offers in < 1 day
Financing terms are underwritten and vetted by the Substrate lending network.
real time tracking
Close and get paid 100% up front.