2026 Converge – The Future of Credit & Risk Playbook

Download the 2026 Converge Credit & Risk Playbook sponsored by Solifi now.

Built from research across 100+ equipment finance firms and the insights of 250 industry practitioners. Discover four chapters covering underwriting gaps, fraud exposure, portfolio fragility, and sales-credit alignment. 

What This Playbook Is

This playbook was built from two sources that rarely come together in one place.

The first is original research – data drawn from an extensive study of commercial equipment finance portfolios, borrower behavior, and operational performance across more than 100 firms spanning bank-owned platforms, independents, captives, and private credit. The data points throughout this playbook reflect what is actually happening in the market, not what we assume or hope is happening.

The second is practitioner intelligence – the collective experience and insight of credit and risk professionals from across the industry.

In March 2026, nearly 250 equipment finance leaders came together for Converge 2026: Credit & Risk, a five-hour collaborative working session where they confronted these challenges head-on. Across six facilitated breakout groups, they assessed where the industry honestly stands today, imagined what credit and risk functions could look like without constraints, and designed practical strategies that can be implemented in the next 6 to 12 months. Their insights, debates, and recommendations are woven throughout every chapter of this playbook.

The result is a field guide that combines hard data with the judgment and experience of the people who actually do this work every day. It is not an academic exercise, a technology vendor pitch, or a theoretical framework.

How To Use This Playbook

Do not read it cover to cover. Start with the chapter that maps to your most pressing challenge:

• If you’re worried about what’s hiding in your portfolio, start with Chapter 1: Know What You’re Actually Underwriting.
• If fraud is keeping you up at night, go to Chapter 2: Fraud Is an Arms Race.
• If concentration risk, growth traps, or cycle exposure concern you, Chapter 3: Portfolio Fragility You Can’t See was written for you.
• If you’re navigating the balance between speed and credit quality, turn to Chapter 4: The Automation vs. Judgment Question.
• If your sales and credit teams cannot get out of each other’s way, Chapter 5: The Alignment Problem will resonate.

Each chapter stands alone. Each ends with practical recommendations. And the final chapter includes team conversation guides – structured discussions you can bring to your next leadership meeting, your next credit committee, your next all-hands.