Five West Financial launches Deal Builder, a self-serve equipment financing tool
Eight questions to an estimated payment and rate range, with every rate discount itemized and the levers handed to the borrower. No credit pull, no contact information, no salesperson.
Tempe, Ariz. — September 3, 2026
Five West Financial today launched Deal Builder, a free tool that lets a business owner price an equipment purchase, an equipment lease, or a sale-leaseback on their own, in about two minutes. It asks eight questions, returns an estimated monthly payment and rate range, itemizes every rate discount the profile earned, and then hands over the controls so the owner can move the payment until it fits.
Deal Builder is live now at fivewestfinancial.com/deal-builder.html. It is free, requires no account, and works on a phone. Nothing about it pulls credit, and it does not ask for a name, an email address, or a phone number to show numbers.
We are in a business where the numbers usually stay behind a phone call, and we do not think that helps anybody. We are all about transparency and giving customers the tools they need to plan ahead. Deal Builder shows you the payment, the rate range, and every discount your profile earned before you give us your name. A business owner who can see the math is a better customer, not a harder one.
How it works
The flow is short on purpose. Deal Builder asks what a credit analyst would ask first, in the order that actually changes the answer, and it adapts as it goes. A business buying a machine answers eight questions. A business that already owns its equipment free and clear gets a ninth, because a sale-leaseback advances against what the equipment is worth today rather than what was paid for it.
- What kind of equipment, and who is selling it. Construction, trucking, medical and dental, manufacturing, food service, agriculture, material handling, or something else. New from a dealer, used from a dealer, private party, or already owned.
- Roughly how much. A ballpark is fine. The amount is a lever on the terms screen, so it can move later.
- Where personal credit sits. A range, not a number, and there is a corporate-only option for businesses that want no personal guarantee.
- Time in business, borrowing history, revenue, and working capital. The four things that decide which programs open and at what price.
- Then it builds. An estimated monthly payment, an estimated rate range, the financed amount, and an itemized list of the rate discounts the profile earned.
Features and benefits
Most payment calculators multiply a price by a rate somebody picked. Deal Builder runs the same profile factors an underwriter runs, shows its work, and then lets the borrower change the inputs they actually control.
Why we built it this way
The decision that took the longest was whether Deal Builder should show a payment before collecting contact information. The conventional answer in commercial finance is no: gate the numbers, capture the lead, let a salesperson deliver the rate. Five West went the other way.
The same reasoning drove the parts of the tool that work against a quick sale. Deal Builder shows a rate range rather than a single flattering number, because the final rate depends on the complete file. It shows the discounts a borrower did not earn. It caps the term at the useful life of the equipment even when a longer term would show a smaller payment. And it will tell a business owner that today is not the day, rather than routing them into an application that underwriting was always going to decline.
The tool tells you no when the answer is no, and it tells you why and what would change it. That is the part we are proudest of. Anybody can build a calculator that makes a payment look small. Sending someone away with a plan instead of an application is harder, and it is the reason people come back.
What Deal Builder is not
Deal Builder produces estimates for planning. It is not an offer, a quote, or a commitment to finance, and it is not a credit decision. Rates and payments shown are ranges for illustration, and an actual rate depends on the complete file, the equipment, and the program a business qualifies for. It can come in higher than the tool shows.
Credit is not pulled anywhere in the tool. A soft pull happens only if and when a business chooses to apply, and only once. Every deal built in the tool is still subject to credit approval and underwriting.
Availability
Deal Builder is available now to any business in the United States, its territories, and cross-border, at no cost. It prices equipment finance agreements, equipment leases, and sale-leasebacks against Five West Financial's network of 19 funding sources. Businesses that would rather talk it through can reach an advisor at (855) 957-9438 or move straight into an application from the terms screen.
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About Five West Financial
Five West Financial is a commercial equipment finance firm based in Tempe, Arizona, serving businesses nationwide as well as U.S. territories and cross-border. The company arranges equipment finance agreements, equipment leases, sale-leasebacks, and SBA 7(a) and 504 financing through a network of 19 funding sources, and designs vendor finance programs for equipment dealers, distributors, and manufacturers.
Five West Financial serves industries including medical, dental, chiropractic, vision and imaging; construction, manufacturing, machine tools, material handling and packaging; commercial trucking, auto repair, commercial laundry, and landscaping and forestry; audio visual, IT hardware and software; and state and local municipalities and non-profits.
More information is available at fivewestfinancial.com.
Media contact
Five West Financial
64 E Broadway Rd, Suite 262
Tempe, AZ 85282
support@fivewestfinancial.com
(855) 957-9438
Related guides
Background on the questions Deal Builder asks.
Build your own terms
Eight questions, no credit pull, and the levers are yours. See the payment before you talk to anybody.
Deal Builder produces estimated ranges for illustration only. This announcement and the tool are not an offer or commitment to finance. All financing is subject to credit approval and underwriting. Actual rates, terms, and payments depend on the complete credit file, the equipment, and the program a business qualifies for, and can be higher than the figures shown.