When I was shopping online recently, a new option appeared on the checkout screen that presented me the opportunity to finance my purchase. This new offering is becoming pervasive across all asset types, from laptops to lift trucks, and including services such as vacation travel, on B2C, B2B and even P2P shopping sites.


The goal is to make it easier for customers to access financial services as they go about their daily lives. Rather than having to arrange financing or defer purchasing, buyers can finance in the moment and businesses can receive payment quickly.


Embedded specialty financing—lending and leasing—is coming. In fact, I think it’s a trend that’s likely to change the finance landscape within the next five years. So, auto and equipment finance companies need to start thinking now about how they can capitalize on it for the best advantage.