SLS Financial Services

Name

SLS Financial Services

Legal name

SLS Financial Services

Website

https://slsfinancial.com

Company type

Private

Founded year

1986

Operating status

Operating

Headcount range

11–50 employees

Ownership category

akta.pro rank

Product category

Commercial Equipment Financing

NAICS

Commercial and Industrial Machinery and Equipment Rental and Leasing (5324)

SIC

Mortgage Bankers & Loan Correspondents (6162), Services-Equipment Rental & Leasing, Nec (7359)

akta.pro primary industry

Private Credit — Structured Credit (CLOs, ABS, Private Securitizations) (FSAHAJAH)

Keywords

• Equipment financing
• Commercial lending
• Lease-to-own programs
• Real estate investment loans
• Broker funding services

Headquarters

HQ city

Kansas City

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Equipment Financing: Provides financing solutions for commercial equipment purchases including heavy equipment, trucks, trailers, and vehicles. Revenue generated through interest income and origination fees on financed equipment.
2. Lease-to-Own Programs: Offers lease-to-own options for equipment dealers and business owners, particularly those who may not qualify for traditional financing. Revenue generated through lease payments with potential ownership pathways.
3. Real Estate Investment Financing: Provides financing for real estate investors including fix-and-flip projects, rental property acquisitions, and commercial real estate deals.
4. Broker Funding Services: SLS assists brokers by providing a consistent and reliable source of funding for a wide variety of customer financing situations, earning referral fees and origination revenue.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels4 records

Core offering

SLS Financial Services is a commercial business lender that finances equipment (heavy equipment, trucks, trailers, and vehicles), provides lease-to-own and traditional term-loan programs, funds real estate investor projects (fix-and-flip, rental, and commercial), and serves brokers and equipment dealers with referral and dealer-floor financing. Its offering is unified under one partner rather than split across multiple lenders and is delivered through a proprietary platform featuring the SecureLink pre-qualification tool and the 360° Commercial Credit Scoring Model.

Product overview

SLS Financial Services is a business lending company founded in 1986, offering a unified financing platform with multiple products designed to serve businesses, equipment sellers, brokers, and real estate investors. The core offerings include Lending Solutions for business capital, Equipment Seller Financing programs (Drive Sales Growth), Broker Funding, and Real Estate Investor Financing. The company provides two primary financing mechanisms: Lease-to-Own Programs for businesses needing flexible payment options and Traditional Financing for creditworthy borrowers. The SecureLink pre-qualification tool serves as the customer-facing application interface. The company also operates sub-brands including E-Commerce & Small Ticket financing via expresslinkfunding.com for point-of-purchase BNPL solutions. Together, these products form an integrated ecosystem designed to provide unified financing options under a single partner, covering the full spectrum from small-ticket equipment to large commercial real estate transactions.

Differentiator

Problem solved

Functional benefit

Products and services

• Financing for Your Business (Lending Solutions) Core business lending services providing capital for growth across asset classes and business needs, serving companies from Fortune 500 to local businesses through lease-to-own and traditional financing structures.
• Drive Sales Growth (Equipment Seller Financing) Customer finance programs for commercial equipment sales teams and dealers that help close sales by embedding financing options directly into the dealer's buyer experience.
• Broker Funding Funding solutions that give brokers a consistent and reliable source of capital for a wide variety of customer situations, expanding broker reach and earning referral/origination revenue for SLS.
• SecureLink Pre-Qualification A pre-qualification tool/portal that lets applicants see term and payment options by answering basic questions about their business and request, enabling them to shop for equipment, trucks, or trailers with confidence before applying.
• Lease-to-Own Program Flexible financing option allowing businesses to acquire equipment with structured payment plans, building equity over the lease term and providing a path to ownership—particularly suited to startups and borrowers with challenged credit.
• Traditional Financing Conventional financing solutions with competitive interest rates and extended repayment terms for businesses with strong credit profiles, providing ownership from day one.
• E-Commerce & Small Ticket Financing Point-of-purchase financing solutions for e-commerce and small-ticket equipment purchases, including buy-now-pay-later options for business customers buying through online marketplaces and dealer websites.
• Real Estate Investor Financing Financing solutions for real estate investors, supporting fix-and-flip projects, rental property acquisitions, and portfolio expansion via bridge and short-term loan products.

Quantifiable outcome

• Serving over 10,000 customers across America
• +1 more outcomes

Named customers5 records

Segments5 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Partnerships

Two partnerships are on record, tiered core and minor.

• Equipment Dealers (CFA, Equipment Trader, Commercial Truck Trader, and 70+ others)coreChannel Partner/ Reseller/ DistributorSLS Financial partners with equipment dealers, manufacturers, and e-commerce sellers through their SecureLink platform, allowing these partners to offer financing directly to their customers. Partner logos displayed include CFA, Equipment Trader, Commercial Truck Trader, Greenway Equipment, Industrial Vacuum, Highway Trailer Sales, Rush Truck Centers, BendPak, and many others.
• E-Commerce PlatformsminorChannel Partner/ Reseller/ DistributorSLS provides financing solutions for e-commerce equipment purchases through point-of-purchase payment platforms and BNPL-style options, serving businesses buying through online marketplaces and dealer websites.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• OnDeck (Enova): OnDeck, now part of Enova, offers online term loans and lines of credit to SMBs. While more digitally native, it competes for the same underserved SMB borrower and represents the fintech-style version of SLS's traditional direct-lending model.
• Marlin Capital Solutions: Marlin provides equipment financing and working capital solutions for small and mid-sized businesses. Its product mix (equipment loans, leases, working capital lines) closely parallels SLS Financial's integrated lending platform.
• Balboa Capital: Balboa Capital is a direct lender offering equipment financing, small business loans, and commercial financing. Its equipment leasing and SMB lending products directly overlap SLS's core offerings and target similar customers and dealer channels.
• National Funding: National Funding provides working capital loans, equipment financing, and merchant cash advances to SMBs across the U.S. It is one of the closest direct competitors to SLS, offering similar small-ticket equipment finance and lease-to-own style programs to the same underserved SMB customer base.
• Crest Capital: Crest Capital specializes in equipment financing and leasing for SMBs, with a sales-led distribution model similar to SLS. It serves commercial equipment dealers and end-buyers with leases and loans for trucks, trailers, and industrial equipment.
• BlueVine: BlueVine provides online business financing including lines of credit and term loans to SMBs. It competes for the working capital and growth-financing segment that SLS serves via traditional and lease-to-own programs.
• TimePayment Corp: TimePayment is an equipment leasing company focused on point-of-sale financing through vendors and e-commerce platforms. It mirrors SLS's SecureLink-based dealer integration strategy in small-ticket equipment lease-to-own.

Emerging players

• Fundbox: Fundbox is a fintech platform providing SMBs with access to working capital and credit. It overlaps with SLS's small-ticket equipment/working capital segment but reaches customers through a more automated, digital-only flow.
• LendingHome: LendingHome provides fix-and-flip and rental property financing to real estate investors — directly comparable to SLS's Real Estate Investor Fund product line. It's a digital-first peer in the same investor-financing niche.

Broad incumbents

• CIT Group (First Citizens Equipment Finance): CIT Group's equipment finance arm, now part of First Citizens Bank, is a large-scale player in commercial equipment financing and leasing. It competes with SLS on commercial equipment loans and vendor finance, but at meaningfully greater scale and balance sheet depth.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• Xx.com/slsfunding
• Facebookfacebook.com/slsfunding
• LinkedInlinkedin.com/company/security-leasing-services
• Instagraminstagram.com/slsfunding

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Subsidiaries5 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about SLS Financial Services