Vendor finance: offering finance under your own brand
Vendor finance is finance you offer your own customers, in your name, at the point where they are deciding whether to buy. If you sell equipment you already know where the sale stalls: the customer wants the machine, the numbers work, and then they leave to talk to their bank. Some come back. A vendor finance program closes that gap by putting a funding option in front of them while they are still with you, in your branding, with a real indicative figure in under two minutes.
What vendor finance actually is
Vendor finance, sometimes called supplier finance or a partner program, is an arrangement where the business selling the equipment also offers the finance for it. The customer deals with you throughout. The funding is arranged behind that.
White label is the fuller version of the same idea. Your logo, your colours, your product names and your pricing, so the quote looks like it came from you because it did. Some suppliers want the whole program in their own brand. Others simply want their customers and dealers to have easy access to finance without the branding work. Both are normal.
The product your customer gets
Rent to Own. Your customer pays a fixed amount every month across a term they choose, then makes one or two final monthly payments, depending on the arrangement, and owns the equipment outright. No large upfront outlay, and no residual waiting at the end. See how Rent to Own works for the full detail.
It funds all types of equipment and vehicles under one arrangement, so your customer is not chasing separate paperwork for the machine, the fit out and the vehicle that services it.
What stays yours
Your catalogue. You build your products with your own descriptions and your own retail pricing, and your reps quote from it.
Your pricing. What you charge is your commercial decision.
Your running costs. Consumables, service, maintenance and insurance can be added to the quote as one-off or ongoing items, so your customer sees a single all-in monthly figure rather than a finance payment plus a pile of separate bills to add up themselves.
Your network. If you supply through dealers, they can be linked to your catalogue and quote from it, without seeing each other.
How your reps use it
Each rep gets their own link into the platform. From there they can price a machine straight out of your catalogue, or price something off-catalogue from a free-typed amount, add running costs, and send the customer an indicative quote in your branding.
Quotes are attributed to the rep who sent them, so you can see which of your people are putting finance in front of customers and which deals came from where.
On your website
A live repayment widget can sit on your product pages, so a visitor sees a monthly figure next to the machine rather than only a purchase price. From there a full quote opens in under two minutes.
You also get a referral link you can put anywhere, which lands the customer in the same branded flow.
How and when you get paid
You are paid once the rental contract is signed. Your customer's payments run from there and are no longer your concern.
That is the practical argument for offering finance at all. It converts a customer who was going to think about it into a customer who has signed, without changing anything about how or when you receive the money for the equipment.
What we will not do
We do not tell your customer they are approved before that is true. We do not put our brand in front of yours on your own customer. And we do not go around you to the customer you introduced.
Figures shown are ex GST and indicative. How the arrangement is treated in anyone's accounts is a question for their accountant.
Getting set up
Most suppliers are quoting within a week. We build your catalogue with you, set up your branding and walk your reps through it. There is no cost to set up and no lock in. We work with businesses across Australia.
If you would like the overview on one page, see our vendor finance page.
Common questions
What is vendor finance?
It is finance offered to your customers by you, the business selling the equipment, rather than the customer arranging it separately. Ecolease arranges the funding behind it while your customer deals with you.
What is the difference between vendor finance and white label?
White label is vendor finance carried fully in your branding, so your customer sees your logo, colours and pricing on the quote. You can also run a program without the branding work if you prefer.
Does my customer know Ecolease is involved?
The quote is in your branding and carries a small Powered by Ecolease mark. We arrange the finance and we do not put our brand ahead of yours.
What does it cost me to offer this?
Nothing to set up, and no lock in.
When do I get paid?
Once the rental contract is signed.
Can my dealers use it too?
Yes. Dealers can be linked to your catalogue and quote from it, and they cannot see each other.
Can I include service and consumables in the figure?
Yes. Running costs can be added as one-off or ongoing items so your customer sees one all-in monthly figure.
How long does setup take?
Most suppliers are quoting within about a week.
Ecolease arranges your finance. This quote is indicative, and any offer is subject to credit assessment and the lender's approval.
Talk to us about offering finance under your brand
Tell us what you sell and someone from our team takes it from there.
Start the conversation