Layered financing gains traction
Industry voices are pushing layered lender financing and portfolio strategies as a sustainable way to scale commercial finance—stacking different capital sources helps manage liquidity cycles and underwriting loads. That approach is increasingly recommended for firms navigating private‑credit volatility. (x.com)
Private credit now tops roughly $2.1 trillion globally, a rapid expansion that market observers say increases the incentive for lenders to design multi‑layered funding structures. (imf.org) U.S. banks reported nearly $300 billion of lending to private‑credit providers as of June 2025, creating a point of interdependence that firms are managing by blending bank lines, warehouse facilities and alternative capital. Most commercial equipment falls into five‑ or seven‑year MACRS recovery periods, driving lenders to align shorter working‑capital tranches with longer term leases to reduce mismatches from accelerated depreciation. Rosenthal & Rosenthal moved into equipment finance using Solifi’s platform after its Accord Equipment Finance acquisition, executing the implementation in roughly eight weeks to support new short‑term working‑capital products. A multinational captive auto finance client went live on Solifi’s CALMS after a 15‑month program to consolidate hire‑purchase, leasing and vehicle‑data workflows across Germany, Austria and Switzerland. (solifi.com) Floorplan markets have shown acute cycle risk — floorplan ABS issuance plunged materially in prior years even as selective lenders expanded dealer lines — prompting dealers and funders to combine revolving floorplan facilities, term warehouse lines and ABS executions. (autofinancenews.net) Competitor platforms such as FIS’s Asset Finance emphasize configurable product engines and integration for securitization and compliance, while specialist LOS vendors (Northteq’s aurora, Odessa) are winning mandates for rapid origination automation in equipment and working‑capital lenders. (fisglobal.com) Solifi client outcomes tied to layered‑capital strategies include an originations release that improved automated asset ingestion and reporting, Kawasaki Motors Finance’s wholesale portal rollout that freed dealer self‑service capacity, and Rosenthal’s accelerated go‑live to add equipment and working‑capital products. (nefassociation.org)
