You Work Directly With Me — Not a Call Center

I’m Ryan, and I’ve spent the past 17+ years in private financing. When you call EFS, you’re not routed to a rotating cast of loan officers or a sales floor — you’re talking to the person who will actively source your financing and stay on the file until you’re funded.

There’s no team to hand you off to. That’s on purpose. It means:

• One point of contact, start to finish — I know your file because I built it.
• Faster answers — no waiting on someone else’s schedule or approval chain.
• Accountability — if something’s unclear, you can ask me directly, not a rep reading from a script.

Why I Do This Differently

Over the years, I’ve talked to hundreds of business owners who came to me after a bad experience with another broker or finance company — usually because of the same two problems:

1. Fees they didn’t know about until closing. Origination fees, documentation fees, and other fees — buried in fine print or never mentioned at all.
2. Early payoff terms that cost more than expected. Some financing structures penalize you for paying early, or don’t disclose the discount (or lack of one) upfront.

I run EFS on a simple standard: you see every fee and every payoff term before you sign, not after. If a lender’s structure isn’t fully transparent, I tell you so — and I’ll steer you toward one of the 100+ lenders in my network who will be.

A Nationwide Network, a Personal Approach

EFS is an independent equipment finance broker with access to 100+ private lenders across the country. That network means:

• Financing from $15k–$2M
• Options for construction, dental, paving, utility, waste management, and more
• Solutions for even some credit-challenged files that banks turn down
• Approval updates often within 1 business day

I’m not tied to a single bank’s rate sheet or a single lender’s approval criteria — me and my lender network underwriter review your file to find you the best fits, and I tell you why I’m recommending the option I recommend.

My Commitment to You

• Full fee disclosure, always. You’ll know every cost before you commit.
• Early payoff terms explained upfront — not discovered later.
• No broker fees to you — my services are free to clients, dealers, and vendors.
• Honesty over the sale. If a deal isn’t right for your business, I’ll tell you, even if that means no deal at all.

If you are looking for an equipment finance broker who does business the right way, you’ve come to the right place.  Click on the Call button or the Get Prequalifed button at the bottom of the page to reach me and we can go over your needs so I can source the best finance options for you.