Innovation Finance® is building  the best, most trusted business equipment financing platform in the world.

Twenty-five years ago, first year Cornell Law School student Bill Verhelle, along with business partner Guy Klinger, founded First American Commercial Bancorp, Inc. (d/b/a First American Equipment Finance). They had a vision to establish a new, centralized, CRM-controlled commercial lending distribution model, before most business leaders were thinking about CRM technology. Over the course of two decades, the new business model succeeded wildly1 , and they became experts at running a national commercial lending business, serving the interests of some of the largest and most sophisticated business borrowers in America.

The company they established in the late 1990’s, First American Equipment Finance, became one of the largest commercial equipment finance businesses in the U.S.1 They sold First American Equipment Finance2, and three years later, in 2015, Bill departed as CEO to contemplate an entirely new embedded finance business model for the equipment finance industry. Innovation Finance USA LLC, the creator of QuickFi® was founded in 2018. Several top officers from First American (including its Chief Credit Officer and its Chief Technology Officer) co-founded the new company.


1Until the emergence of QuickFi’s embedded finance solution, most technology investments in banks and equipment finance companies involved sales-enablement and CRM enhancements, pursuing the prior business model Verhelle and Klingler introduced in the late 1990’s.

2Today, First American Equipment Finance is a wholly-owned subsidiary of the Royal Bank of Canada.

QuickFi CEO Bill Verhelle
Bill Verhelle
Equipment Finance Is Broken
The embedded finance opportunity.

Industry trends, and market research from firms such as Accenture, Bain & Company, and McKinsey and Company suggested a groundbreaking proposition: the more efficient, centralized sales model previously pioneered by Verhelle and Klingler will be disrupted by embedded finance within the coming decade.3

The embedded finance revolution began with payment processing at the point-of-sale with companies like PayPal, Square, Stripe and Apple Pay. More recently, embedded finance gained prominence in unsecured, consumer lending with firms like Klarna, Affirm, AfterPay and others.

Since the marketplace launch of QuickFi in 2021, QuickFi has been refining an end-to-end, 100% digital embedded finance solution for the $1 trillion4 per year B-to-B secured equipment finance marketplace. QuickFi partners with banks and global OEMs to provide SMB borrowers with direct access to instant business equipment financing at the point of sale.

The transition from traditional sales business models to digital borrower self-service business models is well underway in adjacent industries; however, business equipment financing still operates almost entirely on a traditional sales delivery model.

The embedded finance model improves the customer experience and unlocks massive cost savings and repeat business potential for banks and OEMs. QuickFi offers banks and OEMs an option to jump from where they are today, to a 100% mobile, digital, borrower self-service delivery model capturing massive cost and staff time savings.

Because QuickFi is an end-to-end white-labeled solution, there are no complex systems integrations. QuickFi can be operational for a new bank or captive manufacturer business partner in less than 30 days. Because QuickFi requires no up front cost and no long-term commitment, the decision to implement QuickFi is risk-free.


3See recent Accenture LLP, Bain & Company, and McKinsey & Company articles predicting the expansion of embedded finance into secured lending, here.

4The Equipment Leasing and Finance Foundation’s 2023 Market sizing study, here.

The borrower experience.

QuickFi’s build a new, embedded finance lending platform to better serve creditworthy corporate borrowers using the latest technology. QuickFi® was designed to dramatically improve the small and medium business (SMB) borrower experience. QuickFi incorporates artificial intelligence, machine learning, blockchain, facial recognition, as well as other emerging mobile, cloud, and data technologies to empower an entirely new, nearly instant borrower, self-service experience at the point of sale.

QuickFi will revolutionize your lending business in less than 30 days. Contact the QuickFi team at (585) 207-0100 or email our CEO at bill@QuickFi.com with questions or a 30-minute virtual meeting request.

QuickFi Equipment Financing Platform for Manufacturers
Award-winning technology recognized across the globe
Award Winning QuickFi 2022 Fast Company World Changing Ideas
Award Winning QuickFi 2022 Lendit Fintech Industry Awards Finalist
Award Winning QuickFi 2022 FinovateSpring Best of Show
Award Winning QuickFi 2022 Fintech Breakthrough Awards
QuickFi wins Digital Direct 2 Consumer Development at the 2021 Asset Finance Connect UK Conference and Awards
QuickFi Awards 2021 Pan Finance Award Winner
QuickFi Best Tech Startup New York