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Partner programsYour buyer wants the equipment. Financing is how it closes.
Five West Financial builds financing programs for equipment manufacturers, dealers, and resellers, at three levels of commitment. Refer a customer with zero setup, put your logo on our tools, or run a full private-label program under your own brand. We handle the credit, the paperwork, and the funding either way.
Three ways to work with us.
Every vendor sells differently. A manufacturer running national trade shows does not need the same program as a two-location dealer. Pick the tier that matches the volume you already do, and move up when it makes sense.
All of these programs come at zero cost to you. No setup fee, no monthly fee, nothing to buy — depending on the tier, we ask for a certain amount of application volume instead, and the 3rd Party Financing tier has no minimum volume at all.
Private Label
More setup, huge payoff.
Your finance program, under your brand. Built from the ground up and wired into the systems your sales team already uses.
- Everything in Co-Branded, plus:
- Build customer finance programs from the ground up
- CRM integration
- Partner Portal for live deal tracking
- Annual sales meeting sponsorships
- In-person trade show and event support
- 90 day trial period
- $500k minimum monthly application volume
- Partner program agreement between Five West and the dealer or manufacturer
Co-Branded
Easy setup, big payoff.
Your logo on our tools. Your customers get a financing page and a payment calculator that look like yours, and you build none of it.
- Co-branded payment calculator
- Co-branded online website, with no setup on your end
- Add the Five West apply-online link to your website
- Continued training and support
- 100% funding upfront on orders
- Work with a dedicated finance rep
- 90 day trial period
- Minimal setup: your logo, time to train your sales team, and a quick guide on adding the apply-online button to your site
- $100k minimum monthly application volume
- 1 deal funded per quarter
3rd Party Financing
No setup, instant upside.
Nothing to build and nothing to sign. Send us the customer and we take it from there.
- Offer finance options to a wide variety of clients through a single point of contact
- Give your customers competitive terms and world-class service whenever they need financing
- Work with a dedicated finance rep
- Zero setup. Start referring customers to support@fivewestfinancial.com, or contact us and we will assign you a named point of contact to send them to instead
- $0 minimum monthly volume
| Private Label | Co-Branded | 3rd Party Financing | |
|---|---|---|---|
| Cost to the vendor | $0 — no setup fee, no monthly fee | $0 — no setup fee, no monthly fee | $0 — no setup fee, no monthly fee |
| Minimum monthly application volume | $500,000 | $100,000, and one funded deal per quarter | None |
| Setup | Full build under your brand, wired into your CRM | Minimal: your logo, a short sales-team session, an apply-online button on your site | None. Refer the customer and we take it from there |
| Trial period | 90 days | 90 days | Not applicable |
| Customer-facing tools | Customer finance programs built under your brand | Co-branded financing page and payment calculator, apply-online link | Five West application and Quote Builder |
| Partner Portal | Live deal tracking, team access | Live deal tracking, team access | Available on request |
| Support | Dedicated finance rep, trade show and sales meeting support | Dedicated finance rep, continued training | Dedicated finance rep or named point of contact |
| How you are paid | 100% of the invoice on funding | 100% of the invoice on funding | 100% of the invoice on funding |
| Best for | Manufacturers and multi-location dealers running financing as a sales channel | Dealers with steady volume who want a branded experience without building it | Any vendor, from the first deal |
Customer approvals use a soft credit inquiry. Most submissions get a first response within 1 to 2 business hours; funding follows in as little as 24 to 48 hours once documents are signed. Transactions run from a $15,000 usual minimum to $5 million and above.
Every deal, every stage, on your phone.
Partners on a Five West program get a sign-in to the Partner Portal: your customers' financing from application to funding, payment estimates for the next sale, and a quick app your reps can send from wherever they sell, in the office, on a call or online.
Screens show an example account. The businesses, people and deals are made up.
What your customers get.
Available structures vary by transaction, credit profile, and program. These are the tools most often used to get a vendor deal across the line.
Four steps from first call to first funded deal.
Tell us how you sell
Equipment, typical ticket, customer profile, and where financing currently loses you deals.
We build the program
Co-branded apply page, payment tools, and the structures that fit your equipment and buyers.
Train the reps
A short session so your team can raise financing confidently and hand off cleanly.
Submit and fund
Your customer applies, we underwrite and approve the file, and you get paid on funding.
Who this works best for
Partner programs run best where the equipment carries a real ticket, the buyer is an operating business, and the purchase is tied to capacity or revenue. Most transactions we fund sit with established companies, generally two or more years in business. Select programs exist for experienced operators launching a new venture with strong personal credit and working capital behind them. We tell you early when a deal will not work, rather than sitting on a file for a week to say no.
For vendors weighing a program.
Questions vendors ask before they start.
How does Five West fund a vendor's transactions?
Every submission is matched to the program that fits: the sharpest pricing when pricing is the priority, or approval and funding under the Five West direct lending program when speed, certainty, or structure matters more. That gives vendor partners two funding paths behind a single submission.
How fast are vendor approvals?
Most submissions receive a first response within 1 to 2 business hours. Approvals on clean equipment finance files can come back in as little as 30 minutes. Applications use a soft credit inquiry, so the customer's credit score is not affected.
Does it cost a vendor anything to set up a financing program?
No. Every tier is free to the vendor: no setup fee, no monthly fee, nothing to buy, and no application fee for your customers. Five West builds the co-branded apply page, payment tools, and campaign collateral at no cost. What the upper tiers ask for is volume rather than money: $500,000 in monthly application volume for Private Label and $100,000 for Co-Branded, each starting with a 90-day trial period. 3rd Party Financing has no minimum and no setup at all.
Is there a minimum volume to start?
Not on the 3rd Party Financing tier. Send one deal a quarter or one a day. Co-Branded asks for $100,000 in monthly application volume and one funded deal per quarter after its 90-day trial; Private Label asks for $500,000 in monthly application volume after its 90-day trial. Most partners start as 3rd Party and move up once the volume is steady.
When and how does the vendor get paid?
You are paid 100% of the invoice directly by Five West on funding, after your customer signs and the equipment is delivered and accepted. Where the equipment requires it, deposit funding can be released once documents are signed, with the balance on delivery. You carry no receivable and do no collecting; the customer's obligation runs to the funder, not to you.
What credit profile do my customers need?
Most transactions we fund are with established businesses, generally two or more years in business and 600+ FICO on many programs. Select startup programs exist for experienced operators, typically with 700+ personal credit, relevant industry experience, and working capital after the purchase. A file is weighed as a whole, so cash flow, the equipment, and money down all move the answer.
What can be financed, and can soft costs be included?
If it is tangible business equipment and the buyer is an operating company, it is usually financeable: new, used, refurbished, and private-party equipment, titled or non-titled. Application-only decisions are available up to $500,000 on qualifying transactions without full financials. Freight, installation, training, software, and extended warranties can be included on qualifying transactions so the customer sees one payment for the whole project.
What happens if a customer is declined?
The file is reviewed for a restructure before it is declined: money down, a shorter term, a co-signer or corporate co-guarantor, or a different program can turn many borderline files into approvals. Because every submission has two funding paths, a decline from a bank program does not end the deal. When a file cannot be placed, we say so plainly so your rep can move on.
What are the three partner program tiers?
Private Label is a full financing program under your brand: CRM integration, the Partner Portal for live deal tracking, and sales meeting and trade show support. Co-Branded adds a co-branded payment calculator and financing page, the apply-online link for your site, continued training, a dedicated finance rep, and 100% funding upfront. 3rd Party Financing is a referral with no setup: send the customer to your point of contact and we handle the rest.
How do I start a partner program?
Complete the short vendor application or email support@fivewestfinancial.com. For a Co-Branded or Private Label program we build the tools, train your reps, and go live; for 3rd Party Financing you can refer your first customer today.
“Coming together is a beginning; keeping together is progress; working together is success.”
Let's see what a program would look like.
Fifteen minutes on the phone is usually enough to tell which tier fits, and whether this is worth building for your business.