Frequently Asked Questions for Lenders
Answers to the questions equipment finance companies ask most often.
How are applicants generated?
We run a national digital marketing operation focused specifically on trailer buyers — paid search, SEO for trailer financing and near-me queries, blog content across dozens of trailer categories, partnerships with dealer sites, and remarketing. Every applicant fills out our multi-step application on WeFinanceTrailers.com and self-identifies their segment (business vs consumer, dealer vs private seller, startup vs established) before hitting the routing engine.
How are applications routed to lenders?
Each application is scored against every active lender program in the panel. Matches are made on state, credit tier, time in business, entity type, industry, trailer type, seller type, and ticket size. Only applications that fit your published credit box are sent to you — we do not blast every file to every lender.
Is there any exclusivity or volume commitment?
No. There is no exclusivity requirement, no minimum monthly volume commitment, and no lockup. You accept the flow that matches your box, decline what doesn't fit, and only pay a per-funded-deal fee on loans that actually close.
How are applicants pre-qualified before we see them?
The application captures identity, business or personal purpose, credit self-report, time in business, industry, entity type, requested amount, trailer type, and seller type. We do not pull hard credit at intake, but we screen out obvious mismatches (out-of-footprint states, restricted industries, ineligible collateral) before an application is ever sent to your queue.
What is the commercial structure?
Per-funded-deal compensation, paid monthly, reconciled against your funded deal report. Exact terms are agreed during onboarding and vary by segment (prime business, startup, consumer, subprime, private party).
How do we receive applications?
Two options: email delivery of a full applicant PDF and structured data to a named intake address, or delivery into a shared portal your team can review, decision, and status. Larger partners typically move to a lightweight API integration once flow scales.
How long does onboarding take?
Most partners are live and receiving matched applicants within two to four weeks of the first discovery call, depending on how quickly the credit box questionnaire and the lender agreement are executed on your side.