Understanding the Difference
Banks play an important role in business financing, especially for established companies with strong financials. However, when flexibility, speed, creative structuring, or preserving bank credit lines is important, equipment financing can often provide a more effective solution
Traditional Bank
- Balance sheet lending with one credit policy
- Best suited for established businesses with strong financials
- Limited flexibility outside credit parameters
- Less adaptable to startups or unique credit situations
- Efficient when the deal fits the box
- Can tie up bank lines of credit
- May require blanket liens on business assets
- Annual financial reporting requirements
SCL Finance Model
- Built for flexibility, creativity, not a credit box
- One simple application process
- Fast credit decisions and funding for transactions under $350,000
- Personalized service with one dedicated point of contact
- No annual financial reporting
- Soft-cost financing (installation, freight, training, software, taxes, and warranties)
- Industry knowledge in food processing, packaging, manufacturing, recycling, healthcare, and construction
We are not here to replace your bank relationship.
We are here to make equipment acquisitions easier and more affordable – Since 1992