{"type":"rich","version":"1.0","provider_name":"Transistor","provider_url":"https://transistor.fm","author_name":"Portfolio Perspective: Managing Risk & Seizing Opportunity","title":"A Turning Point in Equipment Finance: Where Banks Pull Back, Independents Step In","html":"","width":"100%","height":180,"duration":2857,"description":"In this episode of ACS Portfolio Perspective, Andrew Pace sits down with Jeffry Elliott, CEO of Elevex Capital, to explore the structural shifts reshaping the equipment finance industry.After decades inside large bank environments, Jeffry shares why regional banks are increasingly focused on deposit-driven lending and how that shift is forcing them to pull back from transactional finance, including equipment finance. As banks consolidate, manage regulatory pressures, and prioritize core relationships, new gaps are emerging across the market.The conversation explores how independent platforms are stepping in to fill that void, particularly in underserved middle market and specialty segments. Jeffry also shares the thesis behind Elevex Capital, including its focus on technology, capital markets, and asset management, and how those pillars position the company for the next phase of industry evolution.At its core, this episode is about a turning point—where the structure of the market is changing, and new opportunities are being created for those prepared to move into them.Key Topics Discussed:Deposit-driven lending and its impact on banksWhy regional banks are pulling back from equipment financeThe effect of bank consolidation and regulatory pressureThe long-term impact of Silicon Valley Bank and Signature Bank failuresWhere lending gaps are emerging across the marketThe role of independents in filling underserved segmentsThe legacy and exit of GE CapitalMiddle market and specialty lending opportunitiesThe importance of asset-based structuring and residual riskElevex Capital’s three pillars: technology, capital markets, asset managementAI and automation in equipment finance operationsThe growing shortage of experienced asset managersRebuilding training and development in the industryNotable Takeaways:“They’re less focused on profitability… and more focused on core banking relationships that bring deposits.”“They don’t view equipment finance as deposit gathering… so...","thumbnail_url":"https://img.transistorcdn.com/YAp1sD8605iAhnj8hdb-ZqxhPWIeBVU1K5D-1nxaW4Y/rs:fill:0:0:1/w:400/h:400/q:60/mb:500000/aHR0cHM6Ly9pbWct/dXBsb2FkLXByb2R1/Y3Rpb24udHJhbnNp/c3Rvci5mbS9mNWJj/NzczNGQxNzczMmFi/MmY2MjYwYTY4NDRl/MWUwNC5qcGc.webp","thumbnail_width":300,"thumbnail_height":300}