DEMO SITE · example deal data, and a waitlist form that isn't connected yet
StipflowPrivate beta

AI-powered deal operations · Equipment finance only

Deals that keep moving after your team goes home.

Stipflow puts AI on the file work for equipment finance brokers, banks and non-bank lenders. It qualifies applicants before they reach your team, brings back the ones who stop halfway, tracks every credit stipulation, drafts every follow-up and keeps your CRM current. Deals reach credit sooner, with fewer mistakes, and your team spends its time on credit decisions and clients.

Now in private beta with a small founding group of firms, onboarded one at a time.

Join the waitlistEstimate your time saved

Built for one asset class. We don't take real estate, merchant cash or consumer lending.

What changes

Less time on files. Fewer mistakes. Faster deals.

Our solution takes the repetitive file work off your team, checks every document as it arrives and keeps deals moving outside business hours.

Time saved

Your team gets its hours back.

Applicants who don't qualify are stopped before anyone works the file. Applications land in your CRM already filled in, requests for credit stipulations are drafted for you, and partners check deal status in the portal instead of calling. At Five West Financial, where our solution runs every day, the team estimates intake and document review alone save about an hour per application.

More hours for marketing, relationships and growth.
Fewer mistakes

Problems caught on arrival.

Every document is checked against your credit stipulations and program rules as it comes in: a missing month of statements, a missing page, an answer that doesn't fit the program.

Caught before credit opens the file, not at funding.
Faster turnaround

Deals move outside business hours.

Applications are sorted the minute they arrive, nights and weekends included. Missing items are requested before anyone has to ask, each file moves stages as documents land, and approved customers review their terms and document conditions online instead of waiting for a call.

Sorted on arrival, 24 hours a day.

Built into the application

Fewer bad applications in. Fewer good ones lost.

The application qualifies every applicant before your team sees the file, and our solution brings back good applicants who stop halfway.

Applicant qualification

Low-quality applications stop at the door.

Qualifying questions come first. Applicants who don't fit your programs are stopped or flagged before they finish, and answers lock once given, so nobody can go back and change them to get past a stop.

  • Personal-use luxury vehicleStopped
  • $8,000 request, under a $15,000 minimumStopped
  • Open tax lien with no payment planStopped
  • Startup in its first yearFlagged
  • Fake phone number or test emailBlocked

Examples. Your programs set the rules.

Abandoned application recovery

Applicants who stop halfway get brought back.

When someone leaves partway through, our solution drafts a reminder with a link that returns them to where they stopped. Reminders end after three, and unfinished files move to their own stage in your CRM.

  1. Applicant stops at the bank statements step
  2. Reminder 1 of 3 drafted, with a link back to that step
  3. Reminder 2 of 3 drafted
  4. Applicant returns, finishes and lands with credit

Example timeline. You set the timing and approve each draft.

Time savings calculator

See what our solution would take off your team's plate.

Set your monthly volume and where your deals come from. Intake, document preview and lender matching start from Five West Financial's own estimate of about an hour per application. Status questions and closing approved deals are added on top, and you can change any of the numbers below.

60
Where your deals come from
Estimated time saved
85hours a month

That's 85 more hours a month for marketing, building stronger relationships and other growth opportunities.

Per year
1,020 hours
Full-time equivalent
0.53 of a person
Per application
85 minutes
Check these numbers on a fit call

Minutes saved per application Change any of them

Intake and file prep · Five West's estimate

Status and closing · set these for your team

Estimates only, not a guarantee. The first three steps start from Five West Financial's own estimate of about an hour per application, and closing from its estimate of 30 to 45 minutes per approved deal, using the low end. Status questions and the approval rate are starting assumptions for you to set. Picking where your deals come from adjusts the steps to typical values for that source, and on a fit call we replace these numbers with yours.

Built for equipment finance and nothing else.

It already knows the paperwork, so setup starts from your programs, not from scratch.

EFAs$1 buyout leasesFMV leasesTRAC leasesLeasebacksPrivate-party salesTitled unitsVendor programsApplication-only filesStartups and co-signers

Who it's for

Built for every side of equipment finance.

The file work is the same whether you originate, broker or fund. Stipflow is set up around where your deals come from and who decides on them.

Brokers

More applications, fewer half-finished ones.

  • Equipment pages and guides that bring buyers in from search
  • An application that qualifies each applicant and sorts the deal by program before you open it
  • Lender-ready files with the credit stipulations already in
Join as a broker →
Banks

Grow equipment finance without adding headcount.

  • One standard application for vendors and branches
  • Credit stipulation requests, receipts and status tracked on every deal
  • Co-branded vendor program pages your dealers can share
Join as a bank →
Non-bank lenders

Broker and vendor flow, cleaned up before credit sees it.

  • Broker and vendor submissions standardized on arrival
  • Documents collected and checked against your credit stipulations
  • A partner portal where brokers and vendors see deal status
Join as a lender →

What our solution runs

Twelve workflows, from application to funding.

Each one is set up with your programs, rules and credit stipulations. Our solution does the work, and your team approves what goes out and makes every credit decision.

Applicant qualification

Qualifying questions come first. Applicants who don't fit your programs are stopped or flagged before the file reaches your team.

Stops: under your minimum · personal-use vehicle · open tax lien

Complete applications up front

The application collects the full deal picture and the financials in one pass, so your team isn't chasing the basics later.

Business · owners · equipment · financials

Abandoned application recovery

Applicants who stop partway get a drafted reminder with a link back to where they left off.

Reminders capped at 3 per applicant

Documentation preview

Every document is checked and previewed in the file before your team opens it, with anything missing called out.

Bank statements: 3 months · all pages · PDF

Credit stipulations

Requests go out for what's missing, uploads are checked, and the file shows what has cleared.

Requested · Received · Cleared

Condition reports

Private-party and leaseback deals get a guided condition report with photos for each unit, before credit has to ask.

Report and 5 photos per unit, saved as a PDF

Lender and program suggestions

Our solution suggests the lenders or programs that fit each deal, based on your credit rules.

Matched on credit, time in business and equipment

Approval Builder

Approved customers see their approval online, choose from the terms and structures you approved, and see the document conditions they need to clear, so closing no longer needs a 30 to 45 minute walkthrough call.

Terms · structure · document conditions

Follow-up drafts

Status and next-step emails are drafted in your mailbox. A person reviews and sends each one.

Drafted by our solution, sent by your team

Partner portal

Vendors and brokers check live deal status themselves, so your team stops fielding "what's the status?" calls and emails.

Vendor sees: Approved · Docs out · Funded

Vendor program pages

Co-branded financing pages and a payment estimator your dealers can share with their buyers.

Your vendor's logo · one application

CRM sync

Deals, stages, notes and documents land in your CRM without anyone keying them in.

Zoho CRM today · tell us yours
It drafts. Your people send.No email reaches a borrower, vendor or broker without a person on your team.
It flags. Your credit team decides.Our solution organizes and checks each file. It never approves or declines a deal.
It works in your systems.Your CRM, your mailbox and your document storage. Your data stays where it is.

Running in production

Built inside a working equipment finance brokerage.

Our solution runs deal operations every day at Five West Financial, an equipment finance brokerage in Tempe, Arizona. Every workflow was built for live deals first and offered to other firms second.

  • About an hour saved per application on intake and document review, by the team's own estimate
  • Applicants qualified and sorted into programs automatically
  • Abandoned applications brought back with drafted reminders
  • Condition reports with photos on private-party and leaseback deals
  • Every follow-up drafted for review, none sent on its own
  • A partner portal where vendors check deal status themselves
  • An Approval Builder where approved customers choose their terms and see their document conditions

Onboarding

From waitlist to live deals.

Founding firms go through the same four steps, one firm at a time.

  1. Request a spot

    Tell us your firm type, volume and CRM. It takes two minutes.

  2. Fit call

    We walk through your programs, credit rules, credit stipulations and funding sources, then quote setup and monthly pricing.

  3. Setup

    We configure our solution around your programs, credit stipulations and CRM stages, so it works the way your team already does.

  4. Run

    Our solution works every deal. Your team reviews drafts and makes the credit calls.

Why there's a waitlist

Each setup is built around one firm.

Your programs, credit box, credit stipulations and systems are your own, and our solution is set up around them. Getting that right means onboarding a few firms at a time. Founding firms keep their launch pricing for as long as they stay.

Equipment finance only. If most of your deals are real estate, merchant cash or consumer loans, Stipflow isn't built for you.

FAQ

What firms ask first.

Does Stipflow talk to our borrowers?
Not on its own. Emails are drafted in your mailbox, and someone on your team reviews and sends them.
Does it make credit decisions?
No. It organizes each file and flags it against your rules. Your credit team decides.
Which CRMs does it work with?
Zoho CRM today. Tell us yours on the waitlist form so we know what to build next.
Where does our data live?
In your systems: your CRM, your mailbox and your document storage.
What equipment does it cover?
All of it. Transportation, construction, medical, technology and manufacturing, new or used, dealer or private party.
What does it cost?
A one-time setup fee and a monthly fee. Both depend on your volume, your systems and how many programs we set up, so we quote them after the fit call. Founding firms lock in launch pricing.

Founding group

Request a spot.

We review every request and reach out to firms that fit the next cohort.

WhoBrokers, banks and non-bank lenders
Minimum25 or more applications a month
Asset classEquipment finance only
PricingSetup fee plus monthly, quoted after a fit call. Launch pricing locked for founding firms.