We help technology providers transform one-time sales into recurring revenue while building stronger customer relationships and driving long-term business growth.
From financing and Hardware as a Service to lease administration and Technology Lifecycle Management strategy, we help maximize every customer relationship long after the initial sale.
Hardware as a Service
Technology has become a commodity. What separates one technology provider from another isn't the equipment—it's the value you continue to deliver after the sale.
Traditional break-fix relationships are reactive. Customers call when something isn't working, and the relationship revolves around solving problems.
Hardware as a Service transforms that relationship into a proactive partnership. Instead of waiting for equipment to fail or become obsolete, it creates an ongoing opportunity to help customers maximize their technology investment, adapt as their business evolves, and plan for what's next.
The result is more than predictable recurring revenue. It creates stronger customer relationships, positions your team as a trusted technology advisor, and establishes a framework for continuous engagement throughout the life of the technology.
Reactive. The customer makes contact when something isn't working.
Proactive. Engagement is built into the life of the technology.
Nothing about your cash changes. Everything about your revenue does.
Recurring revenue usually sounds like waiting years to collect what you used to collect at signing. Structured this way, it isn't.
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1
The finance agreement funds you in full
At inception, you're paid the entire amount for equipment and installation. It works exactly the way a cash sale does. You're not financing your customer—the finance company is.
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2
An assurance plan is layered into the contract
Support and service sit alongside the equipment in the agreement rather than being rolled into the financed amount. That's what keeps your customer's monthly payment low while still covering everything they need.
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3
The finance company bills, collects, and pays you monthly
They handle invoicing and collection on the assurance portion, and remit it to you as it comes in. You carry no paper, chase no payments, and the recurring revenue lands without you building a billing operation to support it.
Your customer gets one predictable monthly payment. You get paid at close, and again every month for the life of the agreement.
End-of-term structures vary, and the right one depends on the customer and the equipment. What stays consistent is what happens next: across JL Financial's portfolios, these agreements upgrade 75% more often than $1 buyout leases, where the customer simply keeps the equipment at the end. The close of one term is usually the opening of your next sale.
Technology Lifecycle Management
The greatest opportunity for growth isn't finding new customers.
It's maximizing the value of the ones you already have.
Technology Lifecycle Management provides the strategy that turns recurring revenue into long-term growth.
Instead of treating each technology purchase as a separate transaction, Technology Lifecycle Management views the customer's entire technology environment as a connected ecosystem. Voice, network, security, surveillance and audiovisual systems should work together—and evolve together.
By bringing multiple technologies into a single Hardware as a Service strategy, customers gain one predictable monthly investment while maintaining access to current technology across their organization.
JL Financial supports that process through proactive lifecycle touchpoints, helping your team identify refresh opportunities, prepare for future technology needs, and have meaningful conversations with customers before opportunities are missed.
Technology Lifecycle Management transforms a series of individual technology purchases into one long-term customer strategy.
Each technology bought, funded and managed on its own.
Voice, network, security, surveillance and AV on one plan — one predictable monthly investment.
Lease Administration
Recurring revenue shouldn't create operational complexity.
Instead of a single invoice and a completed project, every customer relationship now includes ongoing agreements, monthly billing, refresh planning, and multiple customer touchpoints. As recurring revenue grows, so does the complexity of managing it.
Lease administration isn't an accounting function—it's a customer success, operations, and revenue function.
That's where JL Financial Consulting becomes an extension of your team.
Our Lease Administration services provide the operational support needed to confidently manage Hardware as a Service and financing portfolios. We help organize and track agreement details, contract terms, equipment schedules, renewal dates, notice periods, end-of-term options, lender coordination, reporting, and customer documentation—giving your team complete visibility into every customer relationship.
When you know what's renewing, what's nearing end of term, which customers are ready for a technology refresh, and where opportunities exist across your portfolio, lease administration becomes more than an administrative function—it becomes a growth strategy.
You focus on growing the relationship.
We'll help you manage everything behind it.
Every agreement adds terms, schedules, renewal dates and documentation.
Tracked and visible to your whole team — with renewals and end-of-term flagged ahead of time.
CommWest went from under 10% recurring revenue to nearly half.
CommWest is an interconnect in Grand Junction, Colorado. When premise phone systems began their long decline in the early 2000s, the maintenance contracts that had carried the business went with them—and break-fix wasn't going to replace them.
JL Financial built a Hardware as a Service model designed around their margins, gave their team the go-to-market strategy to sell it, and ran the back office behind it. Eight years later recurring revenue had grown from under 10% of total revenue to nearly half, and the business had moved from transaction-dependent to acquisition-ready.
- ~50% Of total revenue now recurring, up from under 10%
- 8 years To make the shift
- 6 → 14 Team size over the partnership
- 25 years Working with JL Financial
With the leasing model we were able to help clients stick to a fixed operational cost and still maintain the equipment and replace items as they were needed. The ones that did the leasing with us continue to be leasing clients.
Recurring revenue helped Nathan position CommWest for an acquisition. It sold in January 2026, and he has since retired.
Meet Jessica Lipscomb
For more than 25 years, I've helped technology providers use financing as a strategic tool, not just a way to close a deal.
I believe the strongest technology companies aren't built on one-time transactions. They're built on recurring revenue, long-term customer relationships, and predictable growth.
My mission is to help our partners create more valuable businesses by transforming financing from a transaction into a long-term growth strategy.
This is sold in every marketplace, on every type of equipment.
Dealers tell us their market is different, or that what they sell doesn't fit. It hasn't held up yet.
It works on a five-thousand-dollar solution and on a hundred-thousand-dollar one. The size of the deal has never been what decides it.
What decides it is whether you're the partner who helps your customer get the most out of their technology—or just the person who sold it to them.
Let's talk about turning your next sale into a recurring one.
A short strategy call to talk through what recurring revenue could look like in your business, and what it would take to get there.
Schedule a Strategy Call