BUILT FOR YOUR CUSTOMER, NOT THE BANK.
BUILT FOR YOUR CUSTOMER, NOT THE BANK.
Grow equipment sales with
1-84 month payment options.
Grow equipment sales with
1-84 month payment plans.
Get paid upfront.
Get paid upfront.
Same-day approvals.
Same-day approvals.
Share up to 40% profits.
Share up to 40% profits.
Win more deals by maximizing flexibility for every customer.
One-click matching. One application → 17 competing lenders, so your customer gets the lowest possible rates in under 24 hours.
Cover every customer. We support $1K to $20M, 1-84mo 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.
Win more deals with tailored terms for every customer.
One-click matching. One application unlocks 17 competing lenders, so your customer gets the lowest possible rates.
Cover every customer. We support $1K to $20M, 1-84mo 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 unlocks 17 competing lenders, so your customer gets the lowest possible rates.
Cover every customer. We support $1K to $20M, 1-84mo 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 → 17 competing lenders, so your customer gets the lowest possible rates in under 24 hours.
Cover every customer. We support $1K to $20M, 1-84mo 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.
Win more deals with tailored terms for every customer.
One-click matching. One application → 17 competing lenders, so your customer gets the lowest possible rates in under 24 hours.
Cover every customer. We support $1K to $20M, 1-84mo 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. Oh, and it's 100% free.
Your Brand, Live in 5 Minutes
Your Brand, Live in 5 Minutes
Your Brand, Live in 5 Minutes
Launch a white-label application portal in minutes.
Your customer applies on a portal with your branding.
multiple offers in < 1 day
multiple offers in < 1 day
multiple offers in < 1 day
Substrate's lenders bid to give your customer the best deal.
Substrate's lenders bid to give your customer the best deal.
Save hours with AI
Save hours with AI
Save hours with AI
Free dashboards with automated workflows for getting deals done.
Free dashboards with automated workflows for getting deals done.
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.
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.
ENGINEERED FOR EASE AND PRIVACY
ENGINEERED FOR EASE AND PRIVACY
A seamless experience your customers love. 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.
Encrypted dashboards make sending data easy and safe.
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.
NO MORE ENDLESS EMAIL CHAINS.
REAL-TIME TRACKING
NO MORE ENDLESS EMAIL CHAINS.
Track, manage, and optimize every deal in one dashboard.
SEE LIVE APPLICATION STATUSES
SEE LIVE APPLICATION STATUSES
Every incomplete app is a warm lead. Follow-up instantly.
SEE LIVE APPLICATION STATUSES
Track leads who stall on apps and follow-up in real-time.
keep the best performers
keep the best performers
Bring your own lenders, customize the waterfall, and replace low performers.
Bring your own lenders, customize the waterfall, and replace low performers.
keep the best performers
Bring your own lenders, customize the waterfall, and replace low performers.
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
→
SEE THE PLATFORM
SEE THE PLATFORM
Book a demo to see how your company can use Substrate.
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 60% revenue share.
Stop sending deals away for free. Share in monthly financing revenue.
Earn up to 60% revenue share.
Stop sending deals away for free. Share in monthly financing revenue.
Seamless integrations.
Connect your own lenders and 3rd-party tools for smooth workflows.
Seamless integrations.
Connect your own lenders and 3rd-party tools for smooth workflows.
GET STARTED
GET STARTED
Start offering financing today.
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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.
contact
Terms of Use, Privacy Policy, Disclaimers
Substrate, Inc © 2025. All rights reserved.