About Us

Our Business Model

Equipment-centric robust and disciplined business model across diverse business verticals

Today, what differentiates SEFL from the rest is the ability to provide an integrated ‘asset solution’ instead of being just the financier. The company assists the clients across the life‐cycle of assets from procurement, deployment, maintenance, second life financing to exit. We are able to leverage our capabilities and relationships to be present across the entire equipment value chain, support customer requirements across the equipment life cycle and reinforce customer loyalty. Our offerings at different stages of the equipment lifecycle include:

Equipment Acquisition:  At this stage, we provide assistance in equipment procurement through customised solutions comprising loans and leases (where customers benefit from our OEM relationships and OEM risk participation).


Equipment Deployment:  During this stage, if a customer requires, we help in matching equipment financed by us to projects/jobs to allow efficient deployment of idle assets.


Equipment Maintenance: During this stage, we provide equipment maintenance assistance through spare parts financing and enable our customers to access our strong OEM and dealer relationships for maintenance support.


Second Life Financing:  We have also introduced branded refurbished equipment solutions for our customers. During this stage, we help our customers in acquiring branded refurbished equipment in conjunction with our OEMs partners.


Equipment Exit: At this stage, we facilitate various services including equipment valuation and inspection, auctioning and other equipment disposal services. Our 88 stockyards across the country are important to our ability to offer these exit services efficiently. Our used equipment financing, refurbishment programmes and exchange programmes assist customers to dispose of their old equipment.


Co-lending business model with Public Sector Banks and Private Banks to benefit B2B, B2C segments through product cross-selling

In September 2018, RBI introduced the co-origination model between banks and NBFCs. SEFL, once again, capitalized on the first mover advantage and leveraged its growth opportunities through its latest capital light co-lending business model with both, public and private sector banks which enables SEFL to access enhanced liquidity as well as allows the company to collaborate and widen its market and customer base, thereby helping it maintain its strong market leadership. While banks have access to SEFL’s strong customer relationships, OEM relationship and programs, domain expertise, risk prognosis tools arising out of three decades of experience and the company’s tested process and policies; it also offers customers a win-win scenario with access to affordable financial solutions and other banking products under one umbrella. This model enables SEFL to emphasize on fee income and maintain cost efficiency, thereby helping it deliver improved performance matrices.  The co-lending arrangement operates through a digital platform for loan origination, loan dues collection, auction of equipment, valuation of equipment and several other facilities. Visit www.iquippo.com to know more about the digital platform.