Common-Sense Underwriting
We evaluate the full deal — not just a scorecard — balancing credit, cash flow, collateral, and the story.
Professional broker & originator programs
A smarter lending partner.
S & P Financial helps professional originators be and accomplish more.
PARTNERSHIP, WITHOUT THE RIGID BOX.
More ways
to say YES.
to say YES.
BUILT FOR BROKERS ↗
Beyond the box
We don’t just think outside the box. We rethink it.
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 outside traditional lending boxes, we look at the full picture and work toward a practical path forward.
The S & P difference
More flexibility. Less friction.
Eight reasons professional brokers choose to work with S & P Financial.
Fewer Auto-Declines
No rigid reliance on minimum FICO, collateral age, or industry restrictions when the application makes sense.
Flexible Structuring
We focus on how to approve — using structure, collateral, and creativity to make transactions work.
Startups & Story Credits
We fund startups, challenged credits, and applications that don’t fit traditional molds.
Fast Digital Process
API submissions, digital docs, and streamlined workflows help you close transactions faster.
Broad Collateral Flexibility
From hard assets to softer collateral, we finance transactions 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 transaction sizes, and a true partnership approach.
Broker capabilities
Programs built around the opportunity.
Flexible programs, practical structures, and broker-focused execution.
Common-Sense Underwriting
Credit & Application Flexibility
S & P helps brokers place more applications.
- ✓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
Flexibility & Support
Business-Friendly Terms
Structure & support with you and your customers in mind.
- ✓$5,000 to $5,000,000 transaction sizes
- ✓12–60 month terms, longer by exception
- ✓Fast approvals and funding
- ✓Risk-based pricing across A–C credit
- ✓Technology-forward underwriting and service
- ✓Referral/fee structures available
A lending relationship built to last
A better partner.
We don’t just fund transactions — we help our partners grow. If an opportunity makes common sense, we’ll see if there's a way to get it done.