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A Smarter Lending Partner for Professional Orignators

S & P Financial helps brokers close more deals by thinking beyond rigid credit boxes. We use common-sense underwriting, flexible structuring, and real-world experience to find ways to say yes when others say no.

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We Don’t Just Think Outside the Box.

We Think Outside Industry Credit Boxes, Too.

Most lenders rely on rigid guidelines and automated declines. S & P takes a different approach — one built on experience, flexibility, and common sense. Whether it’s a startup, a story credit, or a transaction that falls outside traditional lending boxes, we focus on structure and the full picture to find a path forward.

What Makes S & P Different?

Common-Sense Underwriting

We evaluate the full deal — not just a scorecard — balancing credit, cash flow, collateral, and story.

Fewer Auto-Declines

No rigid reliance on minimum FICO, collateral age, or industry restrictions when the deal makes sense.

Flexible Structuring

We focus on how to approve — using structure, collateral, and creativity to make deals work.

Startups & Story Credits

We regularly fund startups, challenged credits, and deals that don’t fit traditional molds.

Fast Digital Process

API submissions, digital docs, and streamlined workflows help you close deals faster.

Broad Collateral Flexibility

From hard assets to softer collateral, we finance deals others often decline.

Private Party & Refinance

Private sales and cash-out refinances are welcome — helping you win more business.

Built for Brokers

Competitive commissions, flexible deal sizes, and a true partnership approach.

Capabilities

Flexible programs, practical structure, and broker-focused execution.

Credit & Deal Flexibility

S & P helps brokers place more deals.

Credit & Deal Flexibility

  • Application-only programs available
  • No minimum FICO with full financials
  • Startups and newer businesses welcome
  • Private party transactions allowed
  • Soft collateral considered
  • No hard & fast comparable credit rules

Broker-Friendly Terms

Structure, speed, and support with brokers in mind.

Broker-Friendly Terms

  • $5,000 to $5,000,000 deal sizes
  • 12–60 month terms, longer by exception
  • Fast approvals and funding
  • Risk-based pricing across A–C credit
  • Your customer stays your customer
  • Competitive commission structure

More Deals. More Flexibility. A Better Lending Partner.

At S & P, we don’t just fund deals — we help brokers grow. If a deal makes common sense, we’ll work to find a way to get it done.

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