Equipment Financing Partner Program for Dealers

An equipment financing partner program for dealers solves the single biggest deal killer in equipment sales — the customer who wants the machine but can't get approved. Northwood Capital Group's dealer partner program gives equipment dealers a financing resource for every customer profile — prime, near-prime, challenged credit, and ITIN borrowers — with fast decisions, light paperwork, and referral compensation paid at funding.

Every equipment dealer loses deals to financing. The buyer is there, the price is right, but their bank said no or the timeline doesn't work. With a financing partner in place, those deals close instead of walk.

How the Equipment Financing Partner Program for Dealers Works

When one of your customers needs financing, you refer them to Northwood. We handle the application, underwriting, lender placement, and funding. You stay focused on selling equipment. When the deal funds, you receive a referral fee — up to 4 points on the funded amount, paid at closing.

There are no upfront fees to participate, no monthly minimums, and no exclusive agreements. You refer deals when it makes sense for your customer and your business. No commitment, no overhead, no captive restrictions.

What Types of Equipment Dealers Work With Northwood

The dealer referral program is built for dealers across all commercial equipment categories:

• Construction equipment dealers — excavators, cranes, skid steers, compactors, bulldozers
• Agricultural equipment dealers — tractors, harvesters, planters, sprayers, irrigation systems
• Commercial truck dealers — semi trucks, dump trucks, flatbeds, box trucks, vocational vehicles
• Manufacturing and industrial equipment dealers — CNC machines, presses, fabrication systems, packaging lines
• Medical and dental equipment dealers — imaging, surgical, diagnostic, and dental equipment
• Material handling dealers — forklifts, pallet jacks, conveyor systems

New and used equipment both qualify. Private party and auction purchases are also eligible — if your customer is buying from a third party and needs financing, we can still structure the deal and you still get paid.

Customer Profiles We Approve

The biggest advantage of the Northwood dealer financing program is credit tier coverage. Most captive financing programs only approve prime borrowers. Northwood approves across the full spectrum:

• 700+ FICO — Best terms, application-only to $250K, same-day decisions on most files
• 660–699 FICO — Standard approval for established businesses, fast turnaround
• 620–659 FICO — Near-prime programs with 5% to 10% down in some cases
• Below 620 FICO — Story credit reviewed individually. Strong revenue and time in business can offset a low score. 10% to 20% down typically required
• ITIN borrowers — Eligible across all equipment categories. Bilingual Spanish service available — a significant advantage in agricultural and construction markets with large Spanish-speaking buyer populations who are routinely turned away by captive lenders

What Dealers Get From the Vendor Financing Program

Close more deals. Customers who can't get bank financing or captive approval get approved through Northwood. Deals that would have walked get closed. Your sales volume goes up without changing your inventory or pricing.

Fast credit decisions. Most files get a credit decision in 24 to 48 hours. Application-only to $250K means minimal paperwork for your customer and no friction at point of sale.

Referral compensation. Up to 4 points on the funded amount, paid at closing. On a $150,000 equipment deal that's up to $6,000 per transaction. On a $500,000 deal that's up to $20,000.

No captive restrictions. You're not locked into one lender's programs, credit boxes, or approved equipment lists. Northwood works across 50+ lenders to find the best fit for each customer file.

One point of contact. A single advisor handles every deal from application to funded. No hand-offs, no call centers, no status chasing for you or your customer.

What the Process Looks Like for Your Customer

• Customer visits our application page and completes a short application — soft pull only, no impact to credit
• Northwood advisor calls within one business day to confirm program and documents needed
• Credit decision in 24 to 48 hours with clear terms — no surprises
• Customer signs electronically and funding is wired directly to your dealership

From application to funded, most point of sale financing deals close in 2 to 5 business days. Time-sensitive deals — auction purchases, inventory holds, end of month closes — get prioritized. Just flag the deadline upfront.

California and Central Valley Equipment Dealers

Northwood Capital Group is headquartered in California with active relationships across the Central Valley, Inland Empire, Los Angeles, Orange County, and San Diego markets. We understand the agricultural and construction equipment markets in these regions specifically — the seasonal cash flow cycles, the large ITIN borrower population, and the used equipment market that dominates transactions in the Valley.

According to the California Department of Food and Agriculture, the Central Valley produces a substantial share of the nation's food supply — and the equipment dealers serving that market need a financing partner who understands the agricultural borrower, speaks their language, and can approve profiles that captive lenders routinely decline.

California dealers serving Spanish-speaking customers benefit from our bilingual service and ITIN eligibility, which opens financing to a buyer segment most lenders turn away — and most dealer financing programs don't even attempt to serve.

How to Become an Equipment Financing Partner Dealer

Getting set up as a dealer partner takes one conversation. Call (714) 679-8886 or visit our dealer partners page to get started. There are no upfront fees, no commitments, and no monthly minimums. You refer a deal when it makes sense and get paid when it funds.

The equipment financing partner program for dealers is designed to be a zero-friction addition to your sales process — not another system to manage, not another portal to log into, not another captive lender with a narrow credit box. Just a financing resource that works for your customers and pays you at closing.

Equipment dealers who offer point of sale financing close more deals, retain more customers, and generate referral income on transactions they'd otherwise lose to a competitor with a financing program. Northwood's dealer partner program is built to be simple — one call, one advisor, fast decisions, and compensation at funding. Visit our dealer partners page or call (714) 679-8886 to get set up today.