Static credit models freeze risk in time, but Scott Nelson and Khrystyna Voloshyn argue that profitable equipment finance comes from tracking how borrowers adapt in herds, spotting behavioral patterns early and managing risk as the living, shifting force it really is.

As the year draws to a close, the days fill with a familiar hustle and bustle. Homes glow a little brighter, calendars fill a little faster, and offices buzz as teams scramble to wrap up projects, clear off desks, and set their out-of-office messages.

As the year ends, a few smart accounting decisions can make a meaningful difference to your tax bill and cash flow. Many business owners miss opportunities simply because they act too late. Before joining Tamarack, I spent 20 years as a CFO for an equipment finance company and experienced the busyness of year-end firsthand. As you enter this season, it is important to review non-performing assets and corporate taxes.

Artificial intelligence is reshaping the equipment finance sales process from a numbers game into a precision science — changing not just how we sell, but who we sell to.

The 2025 Equipment Leasing and Finance Association Annual Convention in Marco Island felt less like a routine industry meetup and more like an inflection point—a moment where optimism, technology, talent and policy all converged into a clear story: Equipment finance is gearing up for a new era of growth, but only for organizations willing to evolve.

The news beat on AI continues as, “You must have it!” But now we also hear “companies are struggling with AI” too. One recent survey found that 71% of CFOs are "flying blind" and struggling to monetize AI. Initiatives built around a disruptive technology like AI are always challenging because both the technology and its applications are unfamiliar. In the case of AI they can also be abstract. “Work smarter not harder” is a great tagline, but “smarter” is hard to measure without standardized testing.

Each year on Veterans Day, we honor all those who have served and even given their lives for this country. Please join us in recognizing the significance of their sacrifices. Many of our team members have family who are veterans. This year, we’d like to honor Staff Sgt. (E-6) Robert Harris, son-in-law of Timothy Appleget, director of SaaS products at Tamarack.

AI is reshaping risk management in equipment finance, helping lenders use data not just to avoid or transfer risk but to predict, engage and manage it more strategically. Managing risk is core to equipment finance operations and capital. Risk — the potential of unwanted outcomes — emerges in all shapes and sizes and the industry has instinctively looked to data to help manage risk.

This time of the year the Midwest is filled with scenes of the harvest. And of course, this month brings a cornucopia of sports. Then there are the colors of autumn. The fall season also brings contemplation at work as companies start preparing for the next year.