EQUIPMENT FINANCE

Be the First Lender to Say Yes

Assets slows you down, not the borrower. Uptiq reads invoices, builds collateral profiles, and applies your advance rates while your credit team still makes every call.

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Intake Agent
Running
Intake
Underwriting
Monitoring
150+
Institutions Trust Uptiq
The operating gap

The captive answered while you were still valuing. 

A vendor sends the same deal to four lenders and books the first approval, so while you identify the equipment, find a comparable, check useful life, and settle on an advance rate, the deal funds somewhere else.
Beaten to the answer
The dealer took the first approval. Yours came back Thursday, and it was the better structure.
Advance rates by judgment call
Two analysts, the same excavator, two different advance rates, and nothing in either file explaining why.
Residuals you learn about late
A collateral position that eroded quietly between funding and first review, because nobody was watching the schedule.
The shift

The asset stops being the bottleneck. 

Uptiq doesn't ask you to replace your LOS or core, or to change who approves the deal. It takes out the lookup work that sits between an invoice arriving and an answer going back.
The way it works today

The asset sets your pace

Equipment identified and researched by hand 
Advance rates set analyst by analyst
Deals lost while collateral is verified
Schedules tracked in spreadsheets after funding
The way it works with Uptiq

The asset arrives already profiled 

Invoices read and equipment classified on arrival
Advance rates applied from one policy
Answers back while the deal is still live
Collateral and covenants watched continuously
On a real application

Follow one invoice, quote to funding. 

Here's what happens from application to credit decision, with the asset work already done and your analysts approving every deal.
Stage 01
Intake

Every deal arrives ready to work.

Equipment deals arrive from vendors, dealers, and brokers in whatever shape they were sent. Uptiq engages the borrower, pre-screens equipment and credit against your policy, and assembles the complete package before anyone opens the file.
Borrower and equipment pre-screened against policy 
Invoices and financials collected and chased automatically
Underwriting-ready package assembled up front 
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Intake Agent
Running
Underwriting Agent
Running
Stage 02
Collateral

The asset, profiled in minutes.

A skid steer, a CT scanner, and a tractor-trailer depreciate on three different curves, so Uptiq reads the invoice and returns residual, useful life, and advance rate against your policy.
Equipment identified and valued from the invoice
Residual value and useful life applied by asset class
Advance rate set from your policy, not from judgment 
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Stage 03
Decision

The memo is drafted. You approve it.

Uptiq spreads the financials, reads borrower risk against collateral risk, applies your credit policy, and drafts the memo, so your analysts spend their hours on the call and not the write-up.
Borrower financials spread automatically
Borrower and collateral risk evaluated together 
Board-ready credit memo drafted in your format
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Monitoring
Running
Beyond origination

One platform. More lending workflows.

An equipment loan doesn't settle at funding, so the same platform tracks collateral and covenants for the life of the credit and covers renewals, servicing, and collections when they come.
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Account Opening Agent
Onboarding Agent
CRE Lending Agent
Equipment Finance Agent
SBA Lending Agent
Offer & Upsell Agent
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Account Opening Agent
Onboarding Agent
CRE Lending Agent
Equipment Finance Agent
SBA Lending Agent
Offer & Upsell Agent
Build your own
Deposit Operations Agent
Fraud Review Agent
Collections Agent
Portfolio Review Agent
Renewal Agent
Covenant Check Agent
Servicing Agent
Deposit Operations Agent
Fraud Review Agent
Collections Agent
Portfolio Review Agent
Renewal Agent
Covenant Check Agent
Servicing Agent
Why it holds up in production

Every agent runs on Qore.

The same foundation reads your documents, knows how equipment is valued, follows your credit and collateral policy, and connects to your systems, so one workflow becomes a way of running the desk, whatever you finance.
Document AI
Reads and interprets SMB lending documents
Automatically captures and extracts key information from bank statements, tax returns, financial statements, and other business documents with over 95% accuracy.
Financial Skills
Completes core SMB credit analysis
Evaluates cash flow, spreads financial statements, calculates key financial ratios, and generates underwriting-ready insights.
Knowledge
Enforces your lending policies
Operates within your approved credit policies, underwriting standards, workflows, and decision rules to ensure consistent execution.
Integrations
Connects with your existing lending stack
Works seamlessly with your core banking platform, LOS, CRM, and external data providers through more than 100 pre-built integrations.
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Proof, not promises

Measured on live equipment finance.

70%+
Shorter time to decision
100%
Policy-documented decisions
36%
Less manual extraction
95%+
Document accuracy
Basis: aggregate results across Uptiq deployments in commercial and small business lending.
150+
financial institutions already run on Uptiq
SOC 2 Type II
Independently audited security controls.
Your policies, enforced
Agents work from your approved knowledge and permissions. Your data stays yours.
Resources

Go deeper on equipment finance.

Bank
July 29, 2026

5 Key Takeaways: Why Millions in Tech Spend Still Leaves Manual Work Behind

Guides
July 22, 2026

The Future of Equipment Finance: AI-Powered Automation

Live Demo
July 30, 2026

Loan Intake to Underwriting Workflow in Agentic AI Age

FAQ's

Frequently Asked Questions

What does Uptiq's Equipment Finance solution include? 

Which agents are part of the Equipment Finance suite? 

How does the suite work end-to-end for an equipment finance deal?

Which equipment categories does the suite support?

Can we start with one agent and add others later?

How long does deployment take for the full suite?

How does the suite integrate with our LOS and core?

Start with one workflow

See what your next agent could do.

Bring us the workflow with the most drag. We’ll show you an agent running it.

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