Commercial Bankers: Our Equipment-Only Loans Can Save Your Client Relationships

Especially in the current environment, many lenders are uncomfortable extending additional credit to borrowers. Instead of losing those borrowers to other lenders, Celtic Capital can solve the problem by offering an Equipment-Only Loan. This loan will enhance your existing relationships; not compete with them.

When you bring us in for a Term piece, all we look at are the equipment value and cash flow; nothing with any other part of your lending relationship.

The benefits are two-fold:

1. You have a solution to your client’s capital needs (and don’t run the risk of them looking elsewhere).
2. If a time ever comes when:
   • You want the Term piece, we’re happy to hand it over to you.
   • You want to exit the relationship; the fact that we’re financing the equipment makes it easier to take you out on the A/R.

We look at forced liquidation value for the equipment, and in recent months, those numbers have been lower as auctions have not been as robust as has been the norm. But with a detailed equipment list that provides the year the equipment was manufactured (not purchased) and a detailed description (make, model, serial number), we can (at no cost to your borrower) get an estimated value and come back to you with a proposal of what we can do.

So don’t risk losing clients when Equipment-Only Loans from Celtic Capital provide an easy solution.

In today’s risk-conscious credit environment, having flexible and reliable lending partners is critical. That’s exactly what Celtic Capital offers: a seamless, cooperative solution that supports, not replaces, your client relationships. We understand the importance of maintaining continuity within your portfolio, and our Equipment-Only Loans are designed to serve as an extension of your offering, without encroaching on your overall credit structure.

Commercial banks are facing increased scrutiny and regulatory pressures that can restrict traditional lending capacities. When clients require capital for growth, restructuring, or survival, these constraints often leave you with limited options. Celtic Capital’s Equipment-Only Loans fill that gap, helping you retain clients and continue generating revenue from the core elements of your existing relationship, while offloading only a targeted portion of the credit risk.

Our underwriting process is efficient and straightforward. We work quickly, with minimal disruption to your client, and maintain open lines of communication with you throughout the process. We keep you informed every step of the way, and our intention is always to preserve your position as the primary financial partner.

In many cases, we can provide approvals within days, and funding shortly thereafter. Because our due diligence is limited to the equipment and the business’s ability to generate cash flow, there’s no need for a dive into your broader credit relationship. This keeps things clean, transparent, and efficient.

And, we’re flexible on structure. Whether your client needs a short-term solution to bridge a gap or a longer-term payout, we can tailor terms that suit the situation. Our ability to customize based on the equipment profile and cash flow ensures a better fit and better outcomes for everyone involved.

Commercial bankers we partner with consistently tell us the same thing: our ability to offer Equipment-Only loans gives them a competitive edge. When a client hits a wall with traditional financing, you don’t have to say “no.”  Instead, you can say, “Let’s explore another option,” thereby preserving the relationship.

If your client base includes businesses with meaningful equipment assets, whether in manufacturing, construction, transportation, or other asset-heavy sectors, now is the time to consider how our Equipment-Only Loans can round out the service you can provide to your clients.

Let us help you retain your best clients, reinforce your position, and provide timely capital solutions without complicating your client relationships. Reach out today and discover how Celtic Capital can be the strategic ally your portfolio needs.

About Celtic Capital
Companies looking for working capital to cover operating expenses, fund growth, increase buying power and take advantage of vendor discounts and rebates turn to Celtic Capital. With an appetite for the more complex transactions, Celtic Capital has a history of success in crafting creative, flexible asset-based financing solutions from $500,000 to $8 million with no financial covenants.

As an independent lender, working with companies nationwide, Celtic Capital is willing and able to alter price and deal structure and expand lines of credit to handle its clients’ increased revenues; and when cash flow is an issue, will look toward providing an inventory facility to help offset lost cash flow.

If you know of, or are, a business in need of non-traditional financing, contact Mark Hafner at 800.742.0733 or mhafner@celticcapital.com, or visit us at celticcapital.com.