BUILT FOR

BUILT FOR

BUILDERS, OPERATORS, AND DOERS.

BUILDERS, OPERATORS, AND DOERS.

When lenders compete,
you win.

One application connects you to 30+ competing lenders. Get approved under 24 hours.

One application.
30+ competing lenders.
Get approved in under 24 hours.

One application connects you to 30+ competing lenders. Get approved in under 24 hours.

Apply in 5 minutes

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, 1-72 month terms, new or used equipment, financing or leasing.

“In six hours, I got a lease 62%

cheaper than my bank’s rates.”

David Liu
Ex. Head of Prototyping

“Getting approved fast gave me

peace of mind to focus on my business.”

Syed Saquib
CEO

“By far the smoothest

financing process I've seen.”

Will Drewery
Ex. Head of Procurement

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, 1-72 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, 1-72 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

30+ lenders bid to get you the lowest rate with the most flexible terms.

30+ 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.

Refer a vendor

LoweST rates, guaranteed.

30+ lenders compete to win your business

LoweST rates, guaranteed.

30+ 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 1-72mo terms, any financing or lease structure.

Maximum flexibility.
Apply for 1-72mo 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.

Apply now

contact

about

Embedded partners

Terms and Conditions, Privacy Policy

Substrate, Inc © 2026. All rights reserved.

contact

about

Embedded partners

Terms and Conditions, Privacy Policy

Substrate, Inc © 2026. All rights reserved.

contact

about

Embedded partners

Terms and Conditions, Privacy Policy

Substrate, Inc © 2026. 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.