Industry Forecast: Expect More Bank Tightening Ahead

When Banks Bail on Lending, Brokers Have a Big Role To Play

When banks bail on lending, brokers and alternative funding sources have a big role to play.

Where we were: After the March bank failures, many observers were asking where the regulators were.

  • It’s a good question. But during most crises, they enter the game late—and this year was no exception.

What’s next: Enter the new BASEL III capital adequacy requirements for banks.

  • A host of new capital restrictions are headed to banks near you—and are likely to impact how freely capital is distributed.

The clear takeaway:

  1. Most brokers have experienced the recent credit tightening firsthand. But with the very real possibility of more on the way, there has never been a better time to diversify your stable of lenders and adjust your origination strategies accordingly.


  1. Targeting more small-ticket opportunities for app flow—where rate has a lower impact on purchase decisions and credit approvals might come easier—could be key.


We can help. As a long-time funder of the broker channel and strong specialty in smaller-ticket transactions, TimePayment offers flexible monthly payment options for equipment needs starting at $500 and reaching $500,000 and beyond. We bring the technology tools to help you win where the opportunities are.

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*2023 Sawbux Greenwich Study of Commercial Finance Decision Makers

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