(801) 461-3337
Direct Lender
Broker Success
$250,000 to $100M+ Per Project
Have a Financing Question?
The Bank Overflow Financing Desk from Commercial Funding Partners is where commercial banks turn when a good client's equipment project falls outside their credit policy. CFP structures the complex equipment financing from $250,000 to $300 million — and returns the client to their banking partner stronger than before.
For Commercial Banks · VP Equipment Finance Officers - Commercial Loan Officers
Every day, commercial banks decline outstanding equipment financing opportunities, not because the borrower is unqualified, but because the transaction falls outside the bank's lending policies.
At Commercial Funding Partners (CFP), we believe many of these projects deserve a second look.
Our Bank Overflow Desk™ was created specifically for commercial banks, relationship managers, equipment finance officers, and engineering partners who need a trusted resource for complex equipment financing. If a deal has already been declined elsewhere, our Second Opinion program gives it a fresh underwriting review. We help preserve valuable banking relationships while delivering the capital your client needs to move forward.F
Many of the largest equipment projects are declined for policy reasons rather than credit quality. Common reasons include:
These are often excellent businesses with viable projects. The financing structure, not the borrower, is frequently the challenge. You can see how we've structured similar deals in our recent transactions and case studies.
The Bank Overflow Desk™ allows commercial banks to retain valuable client relationships while providing access to institutional equipment financing for transactions outside their lending parameters. Our philosophy is simple:
When a good client needs equipment financing outside your credit box, CFP helps preserve the relationship while delivering the capital. Rather than competing with banks, we complement them.
One of the greatest concerns banks have when referring a customer is losing the entire banking relationship. CFP was built differently. We do not seek to replace the bank. Instead, we become an extension of its lending capabilities. Our commitment includes:
Our objective is simple: Help the client complete the project and return them to their banking partner stronger than before.
The Bank Overflow Desk™ provides commercial lenders with a reliable solution when projects exceed internal lending guidelines. Our referral partners receive:
Most commercial bankers simply need a trusted partner when the deal no longer fits inside their credit policy. We work hard to be the first call to take care of their customer. Brokers and referral partners can learn more about compensation and process on our Broker Success page.
We actively partner with professionals throughout the banking industry, including:
Together, we help clients continue moving forward without disrupting long-standing banking relationships.
Traditional banks excel at financing conventional assets. CFP specializes in transactions that require creativity, flexibility, and sophisticated capital structures. We routinely finance projects involving:
Our team understands projects that require customized funding structures rather than standardized lending programs.
CFP structures equipment financing for projects that often exceed the capabilities of traditional lenders. Our programs can include:
Whether the project involves one production line or an entire manufacturing expansion, we help clients preserve liquidity while implementing growth initiatives. For clients who need to unlock capital from equipment they already own, our equipment sale-leaseback program is often the right complement.
The best financing solutions begin long before equipment is ordered. CFP is building relationships with organizations that influence major capital projects during the planning stages. These include:
By participating during project development, we help ensure financing supports—not limits—the engineering solution.
Equipment manufacturers and distributors lose qualified opportunities every year because customers cannot obtain financing. CFP helps vendors close more business by becoming an extension of their sales organization. Vendor partners benefit from:
Every successful vendor relationship creates a repeat source of qualified financing opportunities.
Commercial Funding Partners is more than a financing company. We are a capital partner focused exclusively on helping businesses complete large equipment projects that traditional financing sources cannot accommodate.
Curious whether leasing or financing is right for your client's situation? See Why Lease.
The Bank Overflow Financing Desk allows commercial banks to retain valuable client relationships while providing access to institutional equipment financing for transactions outside their lending parameters. Our philosophy is simple: Take care of the client first and everything else just works.
Whether you are a commercial banker, senior-level loan officer, or branch manager — if you have a good client needing new equipment and you can't help them, let CFP fund the equipment while you keep the banking relationship. Have questions first? Visit our Financing FAQs or contact us directly.
