We’re flexible.
Some financial institutions or lease companies live by a fairly rigid set of rules and procedures; others are selective in terms of what they will lease or finance. This isn’t the Carlton way. We listen, keep an open mind to any possible solution, and then adapt our systems and create a financial product to best meet your needs.

“Carlton bends over backwards to try to help us. They’re not as rigid as other finance companies.”
Keith Kastener, CFO, Pawn America

“Carlton is flexible — they structure deals the way we want.”
Keith Phillips, CFO, Lupient Automotive Group


We’re innovative.
Each of our clients is unique, and what works for one may not be the best solution for another. Thus, our goal is to gain a deep understanding of your wants and needs, and think well outside the box – break new ground, when appropriate – to develop the best systems and products for you.

“Carlton has been innovative. They help me devise ways to get things done. Other companies are black and white, yes or no. Carlton works at it until it gets done.”
Willie LaCroix, Retired CEO, Paynesville Area Health Care System


We create partnerships.
We can be most effective if we function as partners with you, working with you towards your business objectives. The closer we work with you, the more we learn – about your business, your challenges and your short- and long-term goals. The more we learn, the better equipped we are to deliver solutions that are right for you.

We’re proactive.
We strive to be your business partner so that ultimately we can do more than just respond to your requests. We are proactive, not reactive. We anticipate, which puts us in the position to recommend the optimal products, services and solutions.

“Carlton is always looking around the corner to the next step in the process, and they’re great about keeping me informed.”
Barb Daiker, Clinic Administrator, Northwest Eye Clinic


We’re responsive.
A cornerstone of Carlton’s service is responsiveness: we return your calls immediately or the same business day. We’ll have the answers to your questions or the information you requested.

We’re fast.
We process transactions quickly yet thoroughly. The reason we can deliver is our size, efficiency and "lack of layers." We have a single-layered approval system, which means that our staff is trained and qualified to make many of the decisions that are required when we work together.

We’re experienced.
Carlton Financial is comprised entirely of seasoned, experienced sales and administrative support staff. Our people have been in this business an average of over 17 years, which means we know this business inside and out, and we know how to get things done. When you work with Carlton, you always get the "A" team!

“Carlton’s people have been there for a long time — they know what they’re doing.”
Steve Kerzman, Contoller, Life Time Fitness


Our rates are competitive.
If you research a number of competitors in our business you’ll find very similar rates, but there’s a lot below the surface. Many have hidden charges, late fees, and so forth, which numerous clients have told us they discover after they’ve signed on. Not the case with Carlton – there are no hidden charges or surprises. At Carlton, what you see is exactly what you get. So the lowest price isn’t always the least expensive.

“They’re open — they show me how they get to their numbers. There’s no hidden fees.”
Steve Larson, CFO, Elness Swenson Graham Architects


We value long-term relationships.
Some companies are "of the moment" – their focus is on today’s sale. Other companies say they’re long-term players and that they value relationships, but they don’t do what it takes. At Carlton, we value long-term relationships very much, and work hard to gain your trust, respect and appreciation, so that you’ll want to grow your business with us. What’s in it for you? Long-term relationships are more efficient, and they’re less risky, because you know what you’re getting. Perhaps most importantly, a long-term relationship with us means you’ll get our best thinking and ideas, because we’ll gain a deep knowledge of you, which means we can be more creative and proactive, and develop solutions that meet your specific needs. We know this is important to you, and now you know that it’s important to us.