Smog Equipment Finance (SEF), an EFS company, is in the business of catering to the unique requirements of the emissions testing industry. At SEF, we understand that smog technicians have a lot on their plates every day. Arranging financing and leasing for equipment can not only be a daunting task, but outside of their core competency. For this reason, SEF has been established to take the emissions equipment procurement and financing task out of our customer’s hands. We understand our customer's objectives, financial constraints, and equipment needs. Our account managers are highly trained and possess a deep understanding of the emissions testing industry, thereby allowing our customers to focus on doing what they do best.

We continuously scrutinize our business model in order to achieve greater levels of efficiency and effectiveness. Looking back at what we have accomplished thus far, we are confident in being able to offer the following for the future:

• The most aggressive pricing in the equipment finance industry.
  For "A" quality commercial credits, we typically offer more competitive financing than the largest brand name banks. Our strategic relationships with major domestic and global funding institutions allow us to pass on our volume discounts to our clients.
  
• The ability to accommodate the entire spectrum of credit quality.
  SEF operates within multiple tiers of lending. We are able to fund transactions that represent higher levels of risk such as "start up" businesses and companies that are in a weaker credit / financial position that require structuring.
  
• An unwavering focus on customer satisfaction.
  From our initial contact with a client to the final completion of a transaction, every individual in our firm strives to exceed our client's expectations. We understand that money is a commodity. Nevertheless, even in a commodity market, we differentiate ourselves by adding the personal attention that every client deserves.
  
• High standards in all business dealings.
  The foundation of our company is built upon timely actions. SEF has a heightened level of urgency with respect to all transactions and we know that any job worth doing is worth doing well.