The team at XS Financial has a diverse skill set of combined experience in management, finance, underwriting, and business development. Our industry experience and vendor partners enable us to provide the best equipment solutions for growing businesses.

1 Outstanding lease exposure to depreciated value of equipment (as of 6/1/2020)
2 Weighted average lease length based on exposure and excludes short term purchase contracts
3 <50% concentration in California
4 Transaction opportunities in discovery, underwriting, or under active term sheet (as of 6/1/2020)


Growing businesses require large amounts upfront capital which can put a strain on the bottom line. Accessing cash to pay for equipment and technology can also be a major obstacle for all businesses.

XS Financial relieves this burden by providing leasing solutions to vendors and processors for their growing businesses, reducing their overhead or allowing them to unlock already invested capital.


The Company works directly with equipment vendors to provide point of sale leasing options as well as working directly with manufacturers across the supply chain.

Equipment Sales & Procurement

Experienced in identifying and sourcing the right equipment to meet the distinctive needs of each customer. Through the Preferred Vendor Program, the Company has access to an expansive variety of equipment, enabling XS Financial to source the right equipment from the right vendor with attractive payment options.

Equipment Leasing Solutions

Equipment leasing solutions offer customers the ability to defer significant up-front capital across manageable monthly payments with flexible terms and, affordable down payments. Term lengths generally range from 24-48 months and are considered on an individual basis.

Sale-Leaseback Solutions

The sale-leaseback offering allows customers the opportunity to leverage existing equipment to unlock working capital for general operating expenses, expansion equipment, and growth initiatives without any disruption to existing operations.

Customer Support

Provides a customer-focused experience and underwriting process. Whether it is working with our customers’ finance team to identify the appropriate lease structure for state tax implications, to working with the procurement team to identify equipment from our Preferred Vendors, XS is focused on the customer first.