How we make money

We are paid when a reader we introduce to a lending partner goes on to fund a deal. This page explains that arrangement plainly, because you should be able to judge our research knowing how we are compensated.

What we are

We are a publisher. We research how equipment financing works and write it up. When a reader asks to be contacted about financing, we pass their details to a lending partner licensed to do that business, and the partner deals with them directly.

What we are not

• We are not a lender. We do not have money to lend and we make no credit decisions.
• We are not a broker. We do not negotiate your terms, shop your file between lenders, or represent you in a transaction.
• We do not price your deal. Any rate or term you are offered comes from the lender, not from us.

How the payment works

Partners pay a referral commission on funded deals. The amount is agreed with each partner in advance and does not vary with the terms you accept. We are not paid more if you take a more expensive offer, and we are not paid at all if your deal does not fund.

We do not sell contact details to anyone. A submission goes to a lending partner because you asked to be contacted about financing, and to nobody else.

Where this could bias us, stated honestly

An arrangement that pays on funded deals gives us a reason to want you to finance something. That is a real incentive and we would rather name it than pretend it does not exist. Our protection against it is editorial: we say plainly when buying outright is better than financing, when leasing is worse than a loan, and when the answer is to buy used and pay cash. If you find a page where we failed that standard, tell us and we will correct it.

Rate and term claims

Lending terms move. Any page that states a rate, a term or an approval requirement carries a named source and a date by which we will check it again. If you find a figure without one, it is a mistake and we want to know.