Field notes
The Quintel Blog
How the best desks source, underwrite, and place equipment-finance deals, and the public signals that surface them first.
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Equipment Vendor Programs: How Lenders Win Dealer Referrals
Dealers route their cleanest credits to the manufacturer's captive or their favorite outside lender. This guide covers why, where independents and banks have room, how to measure a dealer relationship, and why funding the dealer's own customer is the strongest opening.
Plant Expansion Leads: Finding Equipment Deals Before Vendor Selection
New plants leave a public trail before the equipment is financed. This guide covers the incentive awards, permits, and trade-zone filings that show up first, why the headline investment misleads, and what to ask a U.S. subsidiary of a foreign parent.
Equipment Finance Market Data 2026: Monthly Tracker
July 2026 set a record at $14.3 billion and ELFA now forecasts over $137 billion for the year. This tracker pulls volume, credit quality, confidence, rates, and end-market demand into one sourced page, updated after every CFI release.
UCC Leads vs. Buying Signals for Equipment Finance
UCC records show recorded filing activity; operating events can add a reason to investigate timing. Neither establishes financing intent, so use them together and verify interest directly.
Equipment Finance Cold Call Scripts: 7 Openers and Objection Responses
A useful script establishes three things separately: what equipment the business is considering, when it needs it, and whether financing is still being discussed. These seven cover cold calls, a dealer introduction, and follow-ups.
Equipment Finance Prospecting Software: A Buyer's Checklist
Ask any prospecting-software vendor to take five businesses and explain which ones deserve your team's attention this week. If it can't show the company, the dated source, the fit, and the next question, the record count on the pricing page doesn't matter.
Equipment Finance Market Intelligence: A Practical Guide
Equipment finance market intelligence connects a dated business event to a resolved company, a current credit box, and one honest next question. It does not turn public data into a financing request.
SBA 7(a) and 504: $10 Million Broker Routing Guide
The new $10 million cumulative limit is not one universal equipment loan. It is a coordinated path for qualified borrowers using a 7(a) loan first and a 504 loan for eligible fixed assets.
Equipment Finance Credit Memo Template: Build a Lender-Ready Deal Summary
A lender-ready equipment finance memo is not a sales pitch or a credit decision. It is a sourced, concise handoff that lets the receiving credit team understand the deal, find the evidence, and see every open question.
Equipment Finance Credit Box Template: The Fields That Make Prospecting and Routing Work
A useful credit box is more than ticket size and FICO. This template makes lender criteria dated, sourced, testable, explicit about UNKNOWNs, and usable from prospecting through submission.
FMCSA Motus Data for Equipment Finance: What New Authority and Power Units Actually Signal
Of 158 records in the August 17 Motus authority-history daily file, only 7 were actual grants. How to read FMCSA registration data before calling a carrier about equipment.
UCC Filing Search by State: The 2026 Bulk Data Guide for Equipment Finance
Official UCC search and bulk-data access compared across all 51 US filing jurisdictions: fees, formats, refresh cadence, and reuse limits, verified August 2026.
Equipment Finance Prospecting Guide for Originators
A weekly system for finding and prioritizing equipment finance prospects using credit-box fit, current demand signals, and evidence-backed reasons to call.
How Equipment Lenders Can Use DOT Contract Awards Before a UCC Filing
State DOT lettings name the apparent low bidder, the award confirms the winner, and mobilization forces the equipment question, all on a published public calendar. Here is the chain, what each record proves, and the eight-question worksheet that turns one award into a call decision.
How Do Equipment Finance Companies Find New Customers? The 2026 Channel Map
Equipment finance companies find new customers through eight channels, and the cheapest deals come from relationships the lender already has. Here is the full channel map, who each channel works for, and what the current numbers say.
The Year-End Equipment Rush Has Outlived Its Tax Reason: Bonus Depreciation, Section 179, and the 2026 Year-End Deadline
There is no longer a year-end tax deadline that shrinks an equipment deduction. 100% bonus depreciation is permanent, so buying in December no longer earns a higher deduction rate. December 31 only decides which tax year the write-off lands in.
The December Deadline Moved: Section 179, Permanent Bonus Depreciation, and the New Year-End Urgency in Equipment Financing
For 2026, the Section 179 deduction caps at $2,560,000 and 100% bonus depreciation is now permanent with no scheduled step-down. That second fact quietly killed the year-end pitch the equipment finance industry has leaned on since the phase-down began in 2023.
Equipment Finance Sales in 2026: A Working Guide to Filling the Top of the Funnel
Equipment finance sales in 2026 comes down to one constraint: deal flow, not credit. Approval rates hit 79.5% in June, the highest since 2021, and ELFA forecasts a record $129 billion in new business volume for the year.
When Does Equipment Financing Come Due? Timing the Call From a UCC Filing
John Deere Capital discloses a 56 month average original term on its retail notes and a 37 month average actual life. That 19 month gap is the whole timing problem: an originator who adds the contract term to a filing date finds the far edge of the renewal window, not the window.
Equipment Financing Leads: How to Actually Get Them in 2026
Bought lists are the most advertised and the least defensible, because every list is resold. The cheapest durable channels are the two nobody sells: your existing book and timing signals from public data.