Patricia Kirk

Patricia Kirk
Dealer Programs · SLS Financial

For dealers & manufacturers

Build payment into your sales process.

A branded or unbranded financing link on your website and QR codes on your lot. Your customers see real payment options in minutes, and your reps get notified at every step. Financing from $1K to $5M, soft pull to start.

Review & Accept Terms
Fast. Transparent. Built into your process.
Purchase Amount$62,500.00
Preferred Term60 Months
First Payment DueSept 15, 2026
Estimated Monthly Payment$1,214.00
Accept Terms & Continue
Illustration of the customer-side experience. Numbers are examples.
✓Built and run at no charge to you
✓One program across every location
✓Build payment into your sales process
Why this matters
82%

of equipment and software end-users use financing when acquiring equipment

78%

of industrial equipment and construction machinery acquisition volume is financed

62%

cite cash-flow optimization as a key reason for financing equipment

8 in 10

buyers expect a payment path. Without one, you create friction in the purchase journey

CAT Financial. John Deere Financial. GM Financial. The biggest manufacturers in the world all build payment into the sales process. This is how you do the same without the captive finance company.

Branded or unbranded

However much of your brand you want front and center

Both versions work exactly the same way. The only difference is whose name the customer sees.

Branded experience

A payment experience under your dealership’s name, on your website, matched to your look. Customers stay in your brand from the first payment quote to funding.

Your logo, your colors, your domain feel
Reinforces your dealership at the moment of decision
Works across single-store and multi-location operations
Unbranded experience

The same program running quietly behind the scenes. No new brand for your customers to learn, no change to how you present your business.

Identical process and identical notifications
Nothing to explain to your customers
Easy to pilot before you commit to branding it
How it works

From the lot to funded, in four moves

01 · SCAN
They find the link

Buyers click the link on your website or scan a QR code from a placard, the lot display, the trailer itself, or your sales desk.

02 · EXPLORE
They see real payments

A few quick preliminary questions and they see real payment options instantly. Soft pull only.

03 · APPLY
You get notified

They apply with ease. You and your reps are notified at every step, so your team always knows where a customer is on our end.

04 · BUY & ROLL
You get the deal

They get approved, take delivery, and put the equipment to work. If one lender says no, we have multiple behind the scenes.

We build it, launch it, and run it at no charge to you.
Our interests are aligned. We all succeed when you sell more.
What your reps see

Your team is notified at every single step

No black box. Every rep tied to a deal gets an email as the customer moves down the pipeline, so nobody has to call and ask for a status.

Application
Submit Required Documents
Approval
Ready for Documents
Documents Out
In Funding
Funded
Live notification from a branded dealer program: funded
Notification email showing every step complete on a funded deal
Live notification from a branded dealer program: another option
Notification email asking the dealer to discuss an alternative payment path with the customer
Change the decision calculus

Your reps stop defending price and start selling payment

Without built-in payment
Price becomes the issue
Sales reps feel pressure to discount
Customers shop lenders on their own
Dealers send buyers to multiple lenders
More friction, more drop-off
With built-in payment
Lead with monthly payment earlier
Protect price and preserve margin
One branded or unbranded path to purchase
Simpler experience for dealers and buyers
Faster, smoother equipment decisions
Improve your bottom line

What it does to your numbers

Increase sales

Make it easier for buyers to say yes. More approvals mean more closed deals.

Reduce pressure to discount

Offer a better answer to “that’s too expensive” without lowering price or margin.

Increase order size

Monthly payments make it easier for buyers to move up to the right unit or add options.

Capture lost opportunities

Turn buyers who might otherwise walk away into opportunities with a simple path to move forward.

Getting started

Silly simple to launch

We are a tech-forward lender. All we need is a quick intro to whoever manages your website, whether that’s an in-house person, a web agency, or just whoever has the login. We handle everything from there.

No charge to you

We build it, launch it, and run it at no charge. As the lender, we earn on the financing, which is why our goal is helping you sell more.

Built into your sales process

Put a simple payment path on your website, in your showroom, and in your reps’ hands so payment becomes part of the sale from the beginning—not an afterthought at the end.

One program, every location

One application and one experience for every customer, no matter which lot they walk onto.

Who is SLS Financial?

A national business lender since 1986

From Fortune 500 companies to thriving local businesses across America, growing companies have trusted SLS with their business lending relationship for more than 40 years. Uncomplicated business lending is what they do, and it is the balance sheet behind every program we build.

10,000+
Customers funded
40+
Years in business
$1K–$5M
Deal size
Highly Rated
Dun & Bradstreet
S&P Financial Services, SLS Business Lending, SLS Real Estate Investor Fund, and Express
Patricia Kirk
Your contact

Patricia Kirk

Patricia Kirk is a driven professional who has spent her career building deep expertise across two demanding industries, commercial equipment finance and high-volume real estate, where portfolio management, compliance, and relationship capital are everything. With direct experience managing 15+ national sources and in-house lending models, prior C-level operational roles, and tens of millions in combined annual solo production, she brings financial acumen and exceptionalism that are anything but typical. A relationship-first leader who invests genuinely in every person she serves, Patricia combines that warmth with relentless drive to build operations that scale, teams that perform, and customer loyalty that lasts.

I will probably be just as communicative with your customers AND your reps, as your reps are with your customers. Your team will always know what is happening & so will mine. It’s the reason I partnered with SLS Financial; they believe in the same level of care that not every lender out there does.

Put payment at the point of interest.

Tell me a little about your dealership and I’ll show you exactly what your branded and unbranded versions would look like.

Get Your Program Started