About Solutions Financial Services

Lending to the Trades Since 2001

We're a direct lender in Salt Lake City. Construction and excavation are the heart of our business, and we lend to any industry that needs $100,000 or more and has collateral to back it. The people behind SFS have owned and run companies for more than 35 years.

Founded2001
HeadquartersSalt Lake City, UT
Businesses funded500+
AccreditationBBB Accredited

Two crew members talking beside a dozer on a job site

Our story

Built on a Simple Frustration

We kept watching solid contractors get turned down because a lender saw one bad quarter or a low credit score and stopped reading. So in 2001 we started SFS to read the whole file.

We came to lending from the other side of the desk. The people behind SFS have owned and run companies through good years and lean ones. A slow winter or a used machine doesn't scare us. We've dealt with both ourselves.

We lend our own money and make every decision in house. Each client gets one account manager, and that person's job is to find a way to yes, even when it takes an unusual route.

Since then we've funded more than 500 businesses. Most are contractors and excavators, and the rest run everything from trucking fleets to food processing plants.

We built SFS for the good businesses that don't fit a bank's boxes.

Why SFS exists

Who we lend to

Rooted in Construction and Excavation

That's where most of our loans go and where our experience runs deepest. We're also a general alternative lender, so the industry matters less than the basics: a need of $100,000 or more and collateral to back the loan.

Our specialty

Construction

General contractors and specialty trades. Equipment, working capital and project funding for businesses with uneven cash flow.

Our specialty

Excavation

Site work, grading, paving and demolition. New, used and auction machines, financed fast enough to win the next bid.

Outside construction? Two things matter.

You need $100,000 or more
You have collateral to back the loan, such as equipment, trucks, vehicles or real estate

Industries that often fit

Trucking & logisticsManufacturingAgriculture Food processingLandscapingEquipment rental Real estate developmentMining & aggregatesLogging & timber Oil & gas servicesWaste & recyclingAuto & fleet services

Don't see yours? If you meet those two, ask us.

The group behind us

Part of a Family of Operating Companies

SFS is part of a larger group of companies working in the same trades our borrowers do. When we look at your file, we're drawing on what those companies deal with day to day.

1,200+Employees across our sister companies

4States where the group operates

35+Years owning and operating businesses

UtahIdahoNevadaWyoming

01
Equipment Sales
Our sales side prices used and auction machines all the time, so we have a good idea what yours is worth.
02
Vehicle Repair
Downtime costs real money. Our shop sees it every time a truck rolls in.
03
Rental Services
Our rental business runs the own-versus-rent math constantly.
04
Manufacturing
Payroll, inventory, long production runs. We've managed all of it.
05
Land Development
Projects get bid, staged and paid in pieces. Our land work runs the same way.

What it means for you

Your File Gets Read by People Who Know Your Work

Used and auction equipment is welcome

We value machines the way the people who sell and repair them do, so older or auction equipment can still anchor a strong loan.

Seasonal revenue is expected

Slow winters and lumpy contract payments are normal in the trades, and we underwrite with that in mind.

Tough files get a real look

Negative cash flow, a young business or odd collateral won't end the conversation with us.

What we stand for

Four Principles Behind Every Loan

We've lent this way since 2001.

Fast, Because We've Done This a While

Most loans close within 24 hours. Twenty years of lending taught us which paperwork actually matters.

Your Whole Story Counts

Where your business has been, where it's headed, why you need the money now. We ask about all of it.

One Person, One Relationship

One account manager from your first call to funding. You won't get bounced around.

We Plan on Working Together Again

Most equipment owners need another machine eventually. We lend like we expect to be there for that one too.

An operator at the controls of a compact excavator

Working with us

One Account Manager, Start to Finish

When you apply, one account manager takes your file and stays on it. You talk to the same person every time.

They'll know your business before they quote you a number, and they'll see the loan through to funding.

What your account manager does

1Learns your business, your equipment and what the capital is for
2Shows you how much you qualify for, with no hard credit pull
3Finds the path to approval, including unconventional ones
4Walks you through closing and funding, in as little as 24 hours

The consultation is free, and you're under no obligation.

Common questions

Getting to Know SFS

Quick answers about who we are. If your question isn't here, ask your account manager.

Are you a broker?

We are a direct lender. We fund loans with our own money and make every decision in house, so you deal with the people who actually approve your loan.

Do you only lend to construction companies?

Construction and excavation are our specialty, and most of our loans go there. We lend to any industry that needs $100,000 or more and has collateral to back the loan, such as equipment, trucks, vehicles or real estate. Trucking, manufacturing, agriculture, food processing and real estate development are all common fits.

Where do you lend?

Nationwide, except California, New York, Hawaii and Alaska. We are headquartered in Salt Lake City, Utah.

How much can I borrow?

Loans run from $100,000 to $3 million, with a personal credit floor of 600.

Will getting a quote affect my credit?

We run no hard credit check to give you a quote, so you can see where you stand first.

Do you finance used or auction equipment?

Yes, routinely. Our sister companies buy and sell used equipment every day, so we know how to value it.

What if my business is less than a year old?

We consider businesses under one year old. Your account manager will look at the full picture with you.

How fast can I be funded?

Most clients receive funds in as little as 24 hours after approval.

Let's talk

See What We Can Do for Your Business

Tell us about your business in about a minute. Your account manager will reach out with how much you qualify for, with no hard credit check.

Get My Free Quote

Solutions Financial Services

4901 West 2100 South
Salt Lake City, UT 84120

Founded2001
Lender typeDirect lender
AccreditationBBB Accredited