Introduction:

Starting with our family farm roots of a mixed small grains and livestock operation I grew up with the daily chores from helping with livestock, carrying water and firewood to the farmhouse and later working with the various stationary and mobile equipment.  Even after college while progressing through various lending and management positions at branches across Saskatchewan I drove weekends and my personal holidays back to help with the family farm.

For the next four decades working with equipment manufacturers, vendors, and lenders, I continued to utilize our farm’s experiences to understand every situation.  Those experiences allowed me to better understand our clients and corporate partners of my employers.  Progressing through thousands of loan requests and collecting scheduled payments allowed me to expand my understanding of different operations and how they varied from each other. As in the past all of those previous transactions will help me to now better assist you with your transaction.  

By working on thousands of equipment deals I have learned that every deal has specific differences whether the buyer, programs, sales quote structure or seasonal pressures. But to maximize profits for the various sellers and lenders within the industry all partners have moved to standardize their workflows.  But this cookie cutter treatment of the buyers by all of the equipment lenders has streamlined their processes to a single non complicated work process. Unfortunately, this focus on eliminating operating expenses like extra time spent by employees on deal variations has at times resulted in future hardships for the buyers.  While at times ends up causing future difficulties to all parties involved which required me to resolve through collection and legal means.

While working on thousands of sales transactions over the decades I have been able to continually grow my personal skill sets making me more effective for my employers. By continually drawing upon my diverse experiences I was able to positively contribute to the development, launch, or growth of six different equipment financing portfolios for my employers that today each exceed billions of dollars.

Over the years I have expanded my understanding of the equipment industry beyond being an owner operator at our farm by doing all of the various duties representing the other side of sales desk and equipment industry.

Later working with the credit and marketing departments of various manufacturers and lenders I processed thousands of sales quotes submissions. Required to verifying marketing program terms and conditions as well as authorizing and structuring the credit applicant’s approval terms. After working with thousands of requests in the field positions I began to modify and develop retail sales programs and marketing guidelines while in higher managerial positions. Always remembering how the sales quoting steps happened between the sellers and buyer.

From sitting with our family across the desk from our local dealer to having thousands of conversations with salesmen and dealership owners about sales quoting. Personally, visiting over 7oo different dealership locations across North American I have continually been exposed to the full spectrum of sales techniques while trying to learn something each and every day.

Recently since the 2008 financial market collapse, a majority of the surviving lenders have continued to modify their old behaviors by limiting their submission and processing parameters for their office teams. Time cost management has shown that using a computerized approval system can reduce the required supervision of skilled credit individuals, reduce human mistakes to just input mistakes,  and handle more request volumes when the variations are limited to just a handful of variables such as down payment percentages, payment frequencies, term, and specific model program conditions. Any extension outside of these cookie cutter formats requires additional personal attention and therefore additional wage costs.

Being a manager at different segments throughout the entire equipment industry has given me a greater understanding which I can use as we work together.  From personally working on each and every step of your equipment process starting at the manufacturer plant to local dealership and then with the signing of the lenders’ contracts I can now use that knowledge for you. By using one of my services we can begin to discuss your current situation by contributing information not previously available to help you on the path of more savings and cost avoidance to make a better decision. Saving which are possible with a small investment.

Hopefully this brief glimpse into my personal history can show you how I have been using the background of our family farm while being employed for different corporations within the equipment and banking industries. I am confident we can take smarter and better steps by using all of my knowledge gained on thousands of equipment transactions just like yours.