Equipment finance software is the system a lender uses to fund dealer inventory and track every serialized or non-serialized unit until it's paid off. On VeroOS it covers construction, ag, material handling, trucks, marine, powersports and rental, licensed to your team or operated by ours.
Advance rates and curtailment structures calibrated by vertical, to how each kind of inventory actually turns.
Compact and heavy equipment, from skid steers to excavators and cranes.
Tractors, implements, and turf equipment with seasonal curtailment structures.
Forklifts, industrial power, and warehouse equipment across locations.
Medium- and heavy-duty trucks and vocational vehicles with title control.
Boats, personal watercraft, and powersports with unit-level tracking.
Utilization-based monitoring for rental and fleet inventory.
Already floor equipment? License VeroOS to modernize funding, servicing, titles, audits and risk, and serve smaller facilities that used to cost too much to support.
Standing up wholesale inventory finance? Vero provides day-to-day servicing and operational support on VeroOS, including OEM- and distributor-sponsored programs, so you go to market fast and scale efficiently.
Track every unit by VIN, serial or lot, from a single excavator to a rack of attachments, with title and custody attached to the same record.
Schedules calibrated to how construction, ag or marine inventory turns, not one blunt rule.
Fund inventory from OEMs, distributors, and auctions with source-aware advance rates.
Title and custody tracking for titled and untitled equipment.
Real-time monitoring plus digital and on-site audits that cut friction and surprise.
Stand up sponsored finance for manufacturers and their dealer ecosystems.
Curtailments calibrated by vertical, titles tracked through the term, and audits that do not ambush the dealer.
The operational load of funding, servicing, portfolio management and risk is what historically kept lenders from serving smaller facilities economically. Vero carries it, so you can enter the market fast and grow across verticals with a modern borrower and partner experience.
Every function a floor plan program needs, built modular so you run only what you need and add the rest as you grow.
A commercial equipment finance company that has served manufacturers, dealers and distributors for decades went live on a Vero Lending-as-a-Service program, launching floor plan financing for its dealer network. It chose the LaaS route after weighing what it would have cost to stand up the program in house.
The program runs on VeroOS and pairs the platform with Vero's servicing team, covering daily risk monitoring, payment processing, portfolio reporting and collections support, while its dealers get real-time visibility into credit availability and utilization through a digital portal for funding requests, inventory management and day-to-day account servicing.
Explore Managed Services →“Our platform and servicing operations are designed exactly for this use case: helping sophisticated lenders launch new credit products quickly, with the controls, data, and dealer experience that institutional capital expects.”
What lenders ask before they floor equipment on VeroOS.
Serialized units are tracked one at a time. An excavator, a tractor or a forklift gets its own record by serial number or VIN. Aging and status stay live against the dealer's line. Non-serialized inventory, such as a rack of attachments, is tracked by lot. Parts can be floored against the invoice instead. VeroOS keeps title and custody on the same record either way, from funding through payoff.
A curtailment is a scheduled principal reduction on a unit that hasn't sold. Equipment doesn't turn at one speed. Ag and turf equipment sells on a season, and so does a lot of marine inventory. Construction and material handling move on their own cycles. VeroOS sets curtailment schedules per program and per vertical instead of one rule for every line. The Payments module tracks each schedule against the unit, so a missed curtailment shows up as work to be done.
Digital and on-site audits run in one workflow. Units that can be confirmed remotely get photo verification. The rest are assigned to an auditor on site. Unverified units escalate instead of sitting, and every closed audit leaves an evidence trail.
Titled equipment, such as trucks, runs through Title Management. Each title is verified against the loan record by OCR and filed in a coded, barcoded folder. Exceptions go to a queue, and releases ship with tracking. But untitled equipment has no certificate to hold, so its serial-number record carries the custody trail. VeroOS doesn't perform state filing, lien perfection or ELT. Those stay with your existing process or provider.
Yes. VeroOS supports programs sponsored by an OEM or a distributor, with the manufacturer's dealers applying through a branded portal. Suppliers submit invoices through the Supplier Portal, where program terms live too. Advance rates reflect where a unit came from: an OEM, a distributor or an auction. All three parties work from one data model. Credit decisions stay with the lender, including on a Lending-as-a-Service program.
License VeroOS if you already floor equipment and have a team to run it. Your team works the program on VeroOS, either as the core system of record or as modules beside the core you keep. Choose Lending-as-a-Service to offer equipment floor plan without building a back office. Your balance sheet funds the program, and Vero operators run the day to day under your brand. Our view: if launching means hiring a servicing team first, start with Lending-as-a-Service.
A 30-minute walkthrough mapped to your program, your operators, and your suppliers.
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