For Equipment Dealers, Manufacturers, and Auctioneers
For Equipment Dealers, Manufacturers, and Auctioneers
Your financing platform
costs $12,000+ per year.
Ours is free, forever.
Your financing platform costs $12,000+ per year.
Ours is free, forever.
Our competitors charge you $12,000+/year to do the same thing as Substrate, but worse.
Get more approvals, faster decisions, with way less overhead.
All for $0/mo, plus earn up to 40% revenue share.
Our competitors charge $12,000+/year
to do the same thing as Substrate, but worse. Get more approvals, faster decisions, with way less overhead.
All for $0/mo, plus earn up to 40% revenue share.
Our competitors charge $12,000+/year to do the same thing as Substrate, but worse.
Get more approvals, faster decisions, with way less overhead.
All for $0/mo, plus earn up to 40% revenue share.
90% Approvals
90% Approvals
30-Min Approvals
30-Min Approvals
24-72 Months
2-6Y Terms
$5K-$5M
$5K-$5M
A-D Credit
A-D Credit
30+ Lenders (Or Bring Your Own)
30+ Lenders
Stop paying for worse results.
Stop paying for
worse results.
Financing, credit, insurance, compliance — all in one workflow.
Financing, credit, insurance, compliance — all in one workflow.
Book a demo →
See why top equipment sellers are switching every day
See why top equipment sellers are
switching every day
The Substrate Difference
The Substrate Difference
$12,000+/year vs. $0.
Our competitors charge you monthly fees, setup fees, and per-user fees.
Substrate is free for dealers, forever.
The catch? None.
We get paid by our lenders and insurance partners
only when your customer closes. Then, we share
up to 40% of that back to you.
Substrate only makes money when we help
you make more money, faster.
What You Get From Switching
What You Get From Switching
Everything you have now, and so much more.
Financing, credit, insurance, compliance, app
tracking, point-of-sale, lender routing,
e-commerce, and more—all in
one portal.
Financing, credit, insurance, compliance, app tracking, point-of-sale, lender routing,
e-commerce, and more—all in
one portal.
30+ CompETING LENDERS
Competitive lender marketplace means the lowest APRs for your customers.
30+ CompETING LENDERS
Competitive lender marketplace means the lowest APRs for your customers.
BRING YOUR OWN LENDERS
Route apps automatically to your lenders first, and use ours as backup.
BRING YOUR OWN LENDERS
Route apps automatically to your lenders first, and use ours as backup.
INSTANT APPROVALS
Your customers get approved within minutes. You get paid the day they sign.
INSTANT APPROVALS
Your customers get approved within minutes. 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.
REAL-TIME VISIBILITY
Every app, approval, and update in one place. Know where deals stand at all times.
REAL-TIME VISIBILITY
Every app, approval, and update in one place. Know where deals stand at all times.
AUTOMATIC WORKFLOWs
Save time and overhead with fully automated workflows.
AUTOMATIC WORKFLOWs
Save time and overhead with fully automated workflows.
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
→
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Substrate, Inc © 2026. All rights reserved.
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Substrate, Inc © 2026. All rights reserved.