Stacked performance for where you need it most.

Scalable where it matters, customizable where you need it.

Mesa’s platform is built like a stack—strong at the core, with flexible layers at the edges that can be tailored to your business. Each layer adds capability, scalability, and support, so whether you’re an OEM, franchisor, or funder, you get a platform that performs out-of-the-box while adapting to the unique needs of your customers.

Customer Experience

Integration

Core Platform

Funder Integrations

Operations & Support

Customer Experience

Mesa’s 2-part customer experience layer combines application portals, self-service tools, and omni-channel support into a seamless system.

For OEMs, franchisors, and tech providers, this means the ability to present financing as part of their brand story—modern, flexible, and consistent across funding sources. For end customers, it creates a single, streamlined access point to applications, support, and information, eliminating confusion and building trust in the financing process.

Application & Self-Service portals

Mesa’s application and self-service portals give customers an easy, modern way to apply, track, and manage financing in real time. For OEMs and franchisors, they provide branded, configurable templates that maintain consistency while allowing flexibility across unique scenarios. For end customers, the experience is intuitive—everything they need in one place, without navigating multiple systems or funders. Prefer to embed financing in your existing Customer Experience? Our embedded finance option has you covered.

Customer Service

Omni-channel customer support is embedded directly into the platform, meeting people where they are—whether by phone, SMS, chat, or email—with seamless handoffs across channels. For OEMs and franchisors, this ensures a consistent and high-quality service experience that reflects their brand. For end customers, it means fast, frictionless support, whenever and however they need it.

Integration

At the integration layer, Mesa’s decision engine, origination workflows, servicing, and financials connect data, compliance, and contracts into one secure, scalable framework.

For OEMs and franchisors, this offers speed, confidence, and flexibility—instant decisions, customized rules, and the ability to scale globally. For customers, integration delivers simplicity: instant credit checks, seamless onboarding, and reliable financial processes they don’t have to think twice about.

Core Platform

The core platform provides the backbone of Mesa’s SaaS solution. Decisioning, origination, servicing, and end of term all live here, built to support multiple asset types, geographies, and compliance needs.

For OEMs and franchisors, it ensures confidence that programs can grow with them without disruption. For customers, it guarantees a secure, efficient financing experience—every asset tracked, every contract managed, with clarity at every step.

Decision Engine

Mesa’s decision engine leverages compliance and credit data providers to deliver instant, rules-based credit responses. OEMs and franchisors benefit from customizable filters and criteria, ensuring financing programs fit their market needs. For end customers, it translates into instant answers and clarity at the application stage.

Origination

The origination layer is a workflow engine that manages documentation, supplier input, and contracts with rigorous quality control. For OEMs and franchisors, this ensures scalability and compliance across every transaction type, from micro-ticket to structured finance. For end customers, origination makes financing feel seamless—contracts flow smoothly without added burden.

Servicing

Mesa’s servicing system handles financing across multiple entities, currencies, and geographies, all with asset-level flexibility. For OEMs and franchisors, this means scalability without compromising control—every asset can be managed independently. For end customers, it ensures each asset is treated uniquely, giving them confidence that their financing is adaptable to their needs.

Financials

At the foundation is Mesa’s integrated financials, connecting payables, receivables, fixed assets, inventory, and the general ledger. For OEMs and franchisors, this removes the complexity of portfolio management while delivering the data needed for business oversight. For end customers, it ensures their financing is backed by a secure, well-managed system they can trust.

Funder Integrations

Mesa separates capability from funding, giving you access to a wide network of financial partners.

From large, diversified sources that bring stability, to niche and specialty providers that deliver flexibility and custom solutions, Mesa ensures your financing options are both broad and adaptable. This approach means OEMs and franchisors can scale with confidence, while customers gain access to financing that fits their unique needs.

Prime Funders

Mesa partners with large, diversified funding sources to provide stability and broad credit options. OEMs and franchisors gain access to reliable funders across the credit spectrum. For end customers, it means more consistent approvals and financing options they can count on.

Specialty Funders

Beyond prime funders, Mesa integrates specialty providers such as industry experts and venture-backed firms. OEMs and franchisors benefit from added flexibility, competitive pricing, and custom-fit solutions. For end customers, specialty funders bring more choice and programs that adapt to their unique needs.

Operations & Support

Beyond software, Mesa provides a full, 3-part operational coverage: customer service, billing, collections, end-of-term management, training, audits, and platform support.
‍
For OEMs and franchisors, this means not just a system, but a partner who manages the lifecycle of financing with discipline and expertise. For end customers, it means every interaction is backed by a team that ensures their needs are met—quickly, clearly, and without compromise.

Operations

Mesa provides end-to-end operational support, covering customer service, billing, collections, and end-of-term processes. For OEMs and franchisors, it means they don’t just get software—they get a team that ensures financing runs smoothly. For end customers, it means a professional, reliable support system throughout the financing lifecycle.

Business Support

From training to audit support, Mesa’s business support team ensures clients and users operate at their best. OEMs and franchisors benefit from guidance and resources that keep their programs compliant and effective. End customers gain peace of mind knowing their unique scenarios are backed by knowledgeable, responsive experts.

Platform Support

Powered by VIP Apps Consulting, Mesa’s platform support ensures continuous improvement, upgrades, and integration of new capabilities. OEMs and franchisors benefit from always-current, secure technology. End customers experience a platform that evolves with their needs, offering ongoing improvements without disruption.

Contract-based solutions given the enterprise nature and customization requirements

Pay for what you use with per-transaction servicing models available.

Contact Sales for Custom Solutions

Starter

Ready to launch a financing program quickly without building everything from scratch?

What's Included

Ready-to-use templates for customer portals, eCommerce solutions and self-service applications.
Embedded financing and Point-of-Sale availability through our eCommerce integrations.
Pre-configured platform to support leases and loans at the asset level.
Operations and support handled by Mesa’s team.
Access to Mesa’s network of funding partners.

Get Started

Who It's For

• Companies that want to add financing or leasing options directly into their online store or sales process.
‍
• Franchisors running a specific initiative that needs quick financing support.
‍
• Finance providers that need a straightforward way to offer new programs.

Professional

Managing equipment and financing across your franchise network—wouldn’t it be easier with one platform to coordinate it all?

What's Included

Private Label capability
Bundled payments, passthroughs and Device-as-a-Service offerings.
Build to suit customer experience options.
Operations and support handled by Mesa’s team.
Access to Mesa’s network of funding partners or bring your own funding partner.

Get Started with Pro

Who It's For

• Tech provider looking for Private Label financing program with multiple financing options & funding sources

• Commercial finance provider looking to support portfolio acquisition

• Enterprises or Franchisors coordinating multiple programs across different suppliers and funders.

Enterprise

What if your financing platform could scale with every market, vertical, and customer touchpoint—while carrying your brand the whole way?

What's Included

Dedicated technology stack
Bespoke customer experience layer across the entire financing lifecycle.
Global coverage with multi-currency and multi-language support.
Operations and support handled by Mesa’s team.
Access to Mesa’s network of funding partners.

Start with Enterprise

Who It's For

• Companies operating across multiple countries that need a financing platform to match.

• Providers looking to add pay-per-use payment models.

• Finance providers ready to move away from outdated, legacy systems.

Our Founders

Sean Johnston

President

Sean Johnston is the founder and President of Mesa, where he's working to modernize the technology financing industry. With nearly 20 years of operations and technology experience, Sean has dedicated his career to improving how businesses access financing. A natural visionary and teacher, he's known for his ability to take complex requirements and unique customer needs and translate them into innovative solutions. Drawing on nearly a decade of collaboration with Daypesh Patel, Sean has a proven track record of successful implementations. Sean earned his MBA from the University of Michigan and brings a global perspective to his leadership approach. When he's not building the future of technology financing, Sean can be found building Legos with his daughter, hiking, camping, or cafe surfing. Go Blue!

Daypesh Patel

CEO

Daypesh Patel is the founder and CEO of Mesa and Managing Director of VIP Apps Consulting, transforming how business can provide and access financing. With over 20 years leading international teams, 'Pesh' has built his reputation around designing systems that scale reliably so teams can focus on growth. Known for his unshakeable calm and strategic approach during even the most complex implementations, he has the rare ability to break down massive projects into manageable pieces while never losing sight of the bigger picture. Having worked alongside Sean Johnston for nearly a decade, Pesh brings methodical planning and proven execution to every challenge. When he's not orchestrating the next big implementation, he can be found being a proud dad to his three kids and enjoying or playing a game of football. Come on United!

The Next Generation of Technology Finance

Scalable where it matters, customizable where you need it.

Contract-based solutions given the enterprise nature and customization requirements

Transform Your Technology Finance Program Today