By: Nicol Henning, Vice President of Sales – TimePayment
Is there such a thing as “too small” a deal? Not as part of a well-rounded sales strategy.
When are the smallest deals a great opportunity? Now, as you look for ways to maximize your Q4 and end 2025 on a high note.
Want to read more? The following is an excerpt from Nicol Henning and TimePayment’s recent article in the Q3 2025 issue of NEFA Note, reprinted with permission.
I’ve discussed micro-ticket financing in these pages before—see “The Big Benefits of Micro-Ticket Financing” in last spring’s NEFA Note—but today I want to put the smallest of small deals under the magnifying lens: nano-ticket deals.
Nano-Ticket Deals Examined
Nano-ticket deals are micro-ticket financing deals in the $500–$5K range. These transactions represent 16% of all equipment financing volume, our research partner Sawbux Marketing reports. And while they seem modest, they are an engine for generating consistent commissions at a pace that larger deals can’t match.
Small businesses need nano-ticket financing for specialized equipment for daily operations, emergency replacements, upgrades to meet changing regulatory requirements, and timely equipment purchases intended to capitalize on new business opportunities and create new revenue streams.
Banks that require $25K minimums miss this massive market segment entirely, and even alternative credit providers often only go as low as $5–$10K. This typically forces entrepreneurs to drain their cash reserves or load up their credit cards to acquire badly needed equipment, leaving them short on working capital or exposed to high credit card rates and fees.
Brokers can close this gap—provided they 1) see the opportunity and 2) are partnered with a FinTech funding partner whose technology and processes deliver the speed and convenience that rewards brokers serving this category.
Benefits Magnified
To strengthen your plan this Q4 and position for growth in 2026, nano-ticket deals deserve a closer look.
Volume compensates for transaction sizes: Micro- and nano-ticket deals close an average 3x faster than large transactions. They also require far less documentation. You’re likely to process 5–7 small deals in the time required to send one major equipment package through your pipeline. (If you have a partner like TimePayment, that offers instant approvals on qualified deals under $25K and fast funding, you can achieve even speedier deal velocity.)
For five more benefits of nano-ticket deals and the big takeaway for brokers, you can read the rest of the article on pp. 25–27 of the Q3 2025 issue of NEFA Note.
