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Best White-Label Vendor Financing Providers for U.S. Manufacturers and Distributors

A manufacturer sells a $150,000 production machine. The customer wants to proceed but needs a manageable payment structure. The manufacturer's sales team now faces a choice: send the buyer to a bank or offer financing directly within its own sales process.

White-label vendor financing makes the second approach possible without necessarily requiring the manufacturer or distributor to become a lender.

However, not every provider offers the same service. Some specialize in equipment loans and leases, while others support branded trade credit, installment payments or B2B checkout financing.

Quick Answer: The best white-label vendor financing providers for U.S. manufacturers and distributors include Mehmi Financial Group, GreatAmerica, DLL, Wells Fargo Vendor Financial Services, TreviPay, Balance and Resolve. Equipment sellers should prioritize lender fit and funding coordination; wholesale distributors should evaluate trade credit and payment integrations. Branding capabilities, costs and eligibility vary by provider.

This guide compares seven providers based on their published capabilities, financing structures, customer experience and suitability for different B2B sellers.

How Did We Select the Best White-Label Vendor Financing Providers?

The providers were evaluated using publicly documented services, rather than advertised approval percentages or unverified customer satisfaction claims.

The comparison considers financing products, brand customization, industry suitability, application workflows, underwriting responsibilities, seller payouts and integration capabilities.

The selection includes three different types of companies: financing brokerages, equipment lenders or lessors, and B2B payments platforms. These are not interchangeable.

A manufacturer selling $300,000 CNC machines needs a different financing arrangement from a distributor offering Net 60 terms on recurring inventory orders.

This is an editorial assessment of provider fit, not a performance-tested ranking of rates or approval outcomes. Mehmi Financial Group publishes this article and is included as a provider. Readers should compare other firms independently.

For a broader evaluation framework, see our guide to comparing vendor financing providers.

Which White-Label Vendor Financing Providers Are Best in the U.S.?

1. Mehmi Financial Group — Best for Independent Equipment Manufacturers and Distributors

Best suited for: Independent manufacturers, equipment distributors and B2B sellers whose customers have different financing requirements.

Mehmi Financial Group provides commercial financing brokerage and intermediary services rather than lending directly.

Its embedded vendor financing program allows sellers to introduce financing through branded applications, website links and sales conversations.

Published capabilities include application-status tracking, document coordination, review of financing options and second-look routing when an initial financing source does not fit. Mehmi also states that standard vendor-program enrollment has no setup or membership fee; custom requirements and customer financing costs must be confirmed separately.

Mehmi Financial Group

The potential advantage is flexibility for sellers handling different customer credit profiles, equipment categories and transaction structures.

For example, a distributor selling forklifts, CNC machinery and commercial vehicles may encounter customers requiring different financing terms, ownership arrangements and underwriting approaches.

What to consider: Mehmi is not the lender. Independent financing providers determine approvals, rates, security, guarantees and funding conditions. Its published branded application capabilities should not be assumed to include a fully private-label API, custom domain or lender-hidden servicing experience without written confirmation.

U.S. coverage is also restricted in certain states, as explained below.

Manufacturers seeking more detail about the model can review our white-label equipment financing guide.

2. GreatAmerica Financial Services — Best for Established Equipment Vendor Programs

Best suited for: Equipment manufacturers, technology distributors and established vendors seeking customized private-label financing support.

GreatAmerica offers equipment financing programs for manufacturers, dealers and distributors.

Its published vendor capabilities explicitly include private-label programs, customization, marketing support, training, reporting and integrations.

GreatAmerica also offers custom billing, usage-based arrangements and as-a-service programs. These can be relevant to distributors selling technology and equipment together with recurring services.

GreatAmerica

Strength: A clearly documented private-label equipment financing offering supported by vendor-facing operational services.

What to consider: Confirm the supported equipment categories, transaction sizes, implementation requirements, eligibility criteria and overall economics. A sophisticated private-label program is not automatically the simplest or most economical choice for a seller handling only occasional transactions.

3. DLL — Best for OEMs and Multi-Level Distribution Networks

Best suited for: Original equipment manufacturers with distributor networks, recurring equipment sales and complex channel financing requirements.

DLL specializes in asset financing for manufacturers, suppliers, distributors and dealers.

Its U.S. offering includes financing for end customers alongside commercial finance for distribution channels.

That distinction matters because a manufacturer may need to support two purchases: a dealer acquiring inventory and an end customer acquiring equipment.

DLL also documents branded and white-label financing arrangements, including customized manufacturer partnerships, as described in its U.S. vendor-finance solutions.

dllgroup.com

Strength: Equipment-lifecycle expertise and the ability to evaluate financing across more than one level of a distribution network.

What to consider: An OEM-focused program may require more coordination, onboarding and contractual customization than a simple referral arrangement. Confirm U.S.-specific white-label features and responsibilities rather than assuming a global program is identical in every market.

4. Wells Fargo Vendor Financial Services — Best for Large Manufacturer Financing Partnerships

Best suited for: Established manufacturers, commercial equipment suppliers and larger distribution organizations seeking a bank-affiliated vendor financing relationship.

Wells Fargo publicly offers point-of-sale financing partnerships for equipment manufacturers, dealers and distributors.

Its vendor services include private-label financing, referral programs, national and local support, and wholesale arrangements involving vendor financing documents.

It also identifies industrial, manufacturing, technology and construction equipment among its financing areas.

Wells Fargo Commercial Banking

Strength: Private-label and referral structures backed by an established equipment financing operation.

What to consider: The bank's published commercial-business focus may make it more relevant to larger, established programs than to a small seller needing an occasional financing referral. Confirm the customer sizes, asset types and program commitments the applicable team will actually accept.

For more context on these arrangements, see our U.S. vendor financing program guide.

5. TreviPay — Best for Enterprise B2B Trade Credit

Best suited for: Manufacturers, wholesalers and large B2B distributors that want to offer branded invoice-based purchasing terms.

TreviPay focuses on business payments, managed trade credit and accounts receivable administration.

It supports white-label arrangements where sellers retain their customer-facing brand while using the platform for credit evaluation, invoicing, payments and related administration.

TreviPay also describes API-enabled checkout and different risk-retention structures, meaning the provider agreement determines how much default exposure remains with the seller.

TreviPay

Strength: A trade-credit infrastructure option for organizations with repeat business buyers and substantial invoicing workflows.

What to consider: Net terms and invoice-based credit are different from a five-year secured equipment loan. TreviPay deserves evaluation where the main problem is extending purchasing terms, rather than financing long-lived industrial machinery.

6. Balance — Best for White-Label B2B Checkout and API Integration

Best suited for: Digital wholesalers, B2B marketplaces and distributors that want financing-related payment options embedded inside an existing checkout or ordering system.

Balance offers a white-labeled B2B checkout, hosted buyer portals and API-based payment functionality.

Its published solution supports digital trade-credit applications, Net 30/60/90 options, invoicing, collections and payment reconciliation.

info.getbalance.com

Strength: Flexible software integration for sellers that already manage significant transaction activity digitally.

What to consider: Implementation scope, platform fees, credit-risk arrangements and seller payment economics must be established before selecting the product.

A company needing straightforward equipment leases should not buy extensive payment infrastructure merely because it wants to place a financing option beside a quote.

Our B2B financing platform comparison explains the operating requirements beyond the checkout screen.

7. Resolve — Best for Wholesale Distributors Offering Net Terms

Best suited for: Established manufacturers, wholesalers and physical-goods distributors offering recurring trade-credit purchases.

Resolve provides net-terms financing and accounts receivable tools aimed at B2B sellers.

Its published offering includes a white-label payment portal, credit review, customer payment administration and options involving seller advances against qualifying invoices.

Resolve markets these arrangements to distributors offering Net 30, Net 60 or Net 90 purchasing terms.

Resolve

Strength: Combining customer purchasing terms with seller liquidity and receivables administration.

What to consider: Confirm the actual advance percentage, reserves or holdbacks, program fees, timing and contractual recourse provisions. Marketing descriptions of advance amounts should never replace the written agreement.

Resolve's model should not be treated as interchangeable with equipment leasing. A distributor might use Resolve for recurring wholesale invoices and a separate equipment finance provider for machinery sales.

Are Other U.S. Vendor Financing Companies Worth Considering?

Yes. Two additional equipment financing firms warrant evaluation, although their publicly reviewed material did not establish the precise scope of a fully private-label implementation.

PEAC Solutions publishes customized programs for manufacturers and distributors, including equipment financing and dealer tools. Its manufacturer financing program is relevant for sellers seeking an equipment-focused partnership. Confirm the extent of white-label branding and integration before classifying a proposed arrangement as private label.

Ascentium Capital offers dealer and manufacturer financing, online quoting, reporting, sales support and financing structures for commercial equipment. Its vendor financing offering deserves consideration where equipment underwriting and quoting matter more than extensive branded software. A fully white-label interface would need specific confirmation.

Neither should be excluded simply because a custom branding specification is not prominently disclosed online.

How Should Manufacturers and Distributors Choose Between These Providers?

The first decision is the type of purchase being financed.

An equipment manufacturer selling an industrial machine that may remain productive for seven years is usually better served by a financing structure that recognizes equipment value, useful life and the buyer's long-term cash flow.

That can involve an equipment loan, finance lease or other suitable equipment agreement.

A wholesale distributor offering terms on recurring materials purchases may instead need a trade-credit solution.

In practical terms:

High-value machinery: Prioritize equipment financing providers and intermediaries such as Mehmi, GreatAmerica, DLL or Wells Fargo.

OEM and dealer-network financing: Evaluate DLL, Wells Fargo or another provider with an appropriate channel-finance offering.

Recurring wholesale purchases: Evaluate trade-credit platforms such as TreviPay or Resolve.

Digital B2B checkout: Consider Balance or another platform with suitable integration capabilities.

Mixed customer profiles and equipment: Evaluate whether a brokerage model can coordinate more than one potential financing route.

These categories are useful starting points, not promises of eligibility.

Manufacturers selling equipment and consumables may need more than one financing arrangement.

Our guide on how suppliers can offer customer financing explains how those transaction types fit different third-party structures.

What White-Label Financing Features Actually Matter?

A branded application alone is not enough to determine whether a vendor program will work.

Start by establishing exactly what the provider means by white label.

At the simplest level, a seller might place its logo on an application page. A more developed arrangement could involve a custom buyer portal, branded communications, CRM integration, quoting tools and transaction reporting.

Those capabilities have different costs and operational implications.

The key evaluation questions are whether the provider can accommodate your equipment or products, whether buyers receive appropriate repayment options, and whether your sales team can follow a transaction from application to payout.

Also examine the commercial agreement.

Ask about setup charges, platform subscriptions, referral compensation, financed-transaction fees, seller-paid promotional-rate subsidies and termination provisions.

A seller-paid rate subsidy, sometimes called subvention, reduces the customer's financing cost by having the seller absorb an agreed expense. It can support a promotion but must be included when measuring sale profitability.

A vendor also needs to understand whether it must repurchase a contract, refund financing proceeds or assume other obligations when equipment is not delivered, an invoice is inaccurate or a transaction is cancelled.

A program described as non-recourse may still impose specific seller obligations.

For a closer look at the technical and commercial distinctions, read our guide to white-label B2B financing platform features and costs.

How Much Does White-Label Equipment Financing Cost?

White-label financing has two separate financial dimensions: what the business customer repays and what the manufacturer or distributor receives.

The buyer's costs depend on the specific credit agreement. The vendor's costs depend on its separate program agreement.

A low monthly payment can still involve substantial total interest, upfront charges, residual payments or restrictive payoff provisions.

Illustrative example: Financing a $120,000 manufacturing machine

This example is hypothetical and does not represent a Mehmi Financial Group offer, a competing provider's quote or an actual customer transaction.

Assume a U.S. manufacturer sells a piece of industrial equipment under the following terms.

Equipment purchase price: USD $120,000

Customer down payment: USD $20,000

Amount financed: USD $100,000

Assumed fixed nominal annual interest rate: 9.00%, calculated monthly

Financing term: 60 months

Payment frequency: Monthly, in arrears

Separate documentation fee: USD $750, paid upfront

Final balloon or residual: None

Assumed vendor deduction: None

Estimated monthly payment

$2,075.84

Total loan repayment

$124,550.13

Total estimated interest

$24,550.13

Total cash outlay, including deposit and fee

$145,300.13

Totals use the unrounded amortization calculation, with payment rounding and final-payment adjustments as necessary. The example excludes sales taxes, insurance, installation, maintenance, collateral-registration charges, late fees and potential early-payoff costs. The 9% assumption is a nominal note rate, not a fee-inclusive APR.

Cash-flow test: If the customer has $4,000 available monthly after operating expenses and existing debt payments, the new payment leaves approximately $1,924.16.

If a slow month produces only $2,000 of available cash, the payment creates a shortfall of approximately $75.84.

That is a meaningful warning even when the transaction is otherwise financeable.

From the vendor's perspective, the illustrative $20,000 deposit plus $100,000 financed purchase amount would cover the $120,000 invoice, provided the funding conditions are satisfied and no deductions apply. The timing must still be documented.

For more details on comparing customer costs and seller proceeds, read how to compare customer financing programs in the United States.

What Do Financing Providers Review Before Approving a Customer?

For equipment financing, the business customer and the asset both matter.

Providers may review business cash flow, credit history, operating experience, existing obligations and the proposed financing amount.

A customer with strong revenue but substantial existing debt may still struggle to support another monthly payment.

Documentation can include recent business bank statements, financial statements, tax returns, credit authorizations, ownership information and a current equipment quote.

Equipment review may require the make, model, age, condition, serial number, purchase price and information about the seller.

Used machinery and specialized production equipment can create additional concerns about residual value, recoverability and remaining useful life.

A loan secured by business equipment may involve a UCC security interest and related filings. As explained in Cornell Law School's UCC financing statement guidance, the financing statement helps establish public notice and collateral priority. Titled vehicles and other assets can involve additional rules.

Leases require a separate ownership and end-of-term review. The IRS explains that the tax classification of an equipment arrangement depends on the substance of the contract, not merely its label.

Manufacturers should not promise a universal credit score, down payment or minimum revenue requirement.

Our U.S. customer financing requirements guide provides additional details on documentation, credit review and funding conditions.

Are White-Label Vendor Financing Programs Available in Every U.S. State?

Not necessarily.

State eligibility can depend on the entity providing credit, the activities performed by intermediaries, the financing product, and applicable licensing, registration or disclosure requirements.

A financing platform's website being accessible nationally does not establish that every product is available in every state.

Mehmi Financial Group's published terms of use currently restrict general commercial financing brokerage applications involving borrowers or recipients located or principally based in California, Illinois, Missouri, Nebraska, North Carolina, North Dakota and Vermont, unless applicable authorization or an exemption is confirmed in writing.

Additional product-specific restrictions apply to certain sales-based financing activity in Connecticut, Virginia and Texas.

These are Mehmi's operating restrictions, not statewide prohibitions against commercial financing.

U.S. vendors should also establish how their salespeople can describe financing. The Federal Trade Commission's advertising guidance requires advertising claims to be truthful, non-deceptive and supported by evidence. The Consumer Financial Protection Bureau's Regulation B also addresses prohibited discrimination in credit transactions.

For a national vendor program, the appropriate parties should review geographic eligibility, application handling, disclosures, broker activity and compensation before launch.

How Can a Manufacturer Launch a White-Label Financing Program?

Start with a limited pilot rather than requiring every product and sales channel to support financing immediately.

Choose a representative equipment category and several realistic buyer profiles. Include an established customer, a newer business and a transaction that could require additional equipment documentation.

Agree on which party collects the application, communicates underwriting requests, provides payment estimates, prepares agreements and confirms seller payout.

For custom-manufactured equipment, clarify whether the financing can accommodate deposits, production milestones, installation and final customer acceptance. Approval for a completed machine does not automatically mean the financing provider will release funds before production.

Then train salespeople to introduce financing as an option, not as a guaranteed result.

Our vendor financing program setup guide explains the operational steps, while how to launch customer financing covers onboarding, seller payouts and pilot testing.

A successful pilot should demonstrate that the process is understandable, documented and commercially viable before further investment in software integration.

Frequently Asked Questions About White-Label Vendor Financing

Can a manufacturer offer financing without becoming a lender?

Yes. A manufacturer can partner with a commercial lender, leasing company or financing intermediary to provide eligible business customers with financing options.

The manufacturer sells the equipment, while the applicable financing provider makes the credit decision.

However, the manufacturer's contractual responsibilities depend on the program agreement and applicable law.

What is the difference between white-label and co-branded financing?

White-label financing generally emphasizes the seller's brand within the financing experience.

Co-branded financing makes both the seller and financing partner more visible.

Neither structure removes the need for accurate creditor identification, contractual disclosures or appropriate customer communications.

The actual branding scope should be confirmed in the agreement.

Can white-label financing cover used equipment?

Potentially. Used equipment may be eligible when the lender or lessor accepts the asset's age, condition, value and remaining useful life.

Specialized or older machinery may require additional verification, valuation or customer equity.

The vendor should supply accurate asset documentation and confirm any existing liens.

How does a manufacturer get paid when a customer finances equipment?

In a typical third-party equipment financing arrangement, the seller receives the agreed proceeds after the customer and financing provider complete the applicable funding requirements.

Those requirements can include executed contracts, customer contributions, equipment verification, insurance and delivery acceptance.

Payment timing should never be assumed from a preliminary credit approval.

Does white-label vendor financing require an API?

No. A manufacturer may begin with a dedicated application link, hosted form or controlled referral workflow.

An API becomes more valuable when financing needs to interact automatically with product quotations, customer accounts, order management or transaction reporting.

The additional cost should be justified by expected usage and operational savings.

Can distributors offer both equipment financing and Net 60 terms?

Yes, potentially through separate arrangements.

Equipment financing can help customers acquire durable capital assets.

Net 60 trade credit allows approved buyers to pay for goods according to an agreed invoice schedule.

A distributor might use an equipment financing provider for warehouse machinery and a trade-credit platform for recurring wholesale orders.

Is the cheapest financing provider always the best choice?

No. Pricing is important, but financing suitability also depends on repayment structure, customer eligibility, total costs, seller proceeds and contractual risk.

A low advertised payment may reflect a longer term, substantial down payment or end-of-term obligation.

Manufacturers should compare written offers using consistent transaction assumptions and avoid steering customers toward financing they cannot reasonably support.

Discuss White-Label Vendor Financing With Mehmi Financial Group

Manufacturers and distributors should select a financing program that fits their actual sales process, equipment or product mix and customer base.

Mehmi Financial Group can discuss branded customer-financing workflows, equipment financing arrangements and potential third-party funding options for eligible business customers.

To evaluate a program, share your typical financing amount, whether your customers operate in the United States or Canada, their state or province, the equipment or other use of funds, and the expected purchase, delivery or program-launch timing.

Call Mehmi Financial Group at 833-863-4644 or contact our vendor financing team to discuss the next steps.

Mehmi Financial Group is a commercial financing brokerage and intermediary, not a direct lender. All financing remains subject to applicable provider review, geographic eligibility, credit approval and final terms.

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Best White-Label Vendor Financing Providers in the U.S.