Commercial Credit Group Inc.

What Commercial Credit Group Inc. does

Commercial Credit Group Inc. (CCG) is an independent, privately held commercial equipment finance company founded in 2004 and headquartered in Charlotte, North Carolina. The company provides loans, leases, refinancing, working capital, debt consolidation, and accounts receivable financing to small and middle-market businesses in four equipment verticals: construction, transportation, manufacturing, and waste management. CCG differentiates through industry-specific equipment valuation expertise and a relationship-based underwriting approach that emphasizes character, cash flow, and equipment value rather than conventional credit scores, supplemented by flexible features such as seasonal payment scheduling.

CCG's business model generates revenue primarily through net interest income on its equipment-secured loan and lease portfolio, complemented by origination and servicing fees. The company holds and services all loans for their full term rather than selling them, and prices each transaction on a quote basis customized to credit profile, equipment type, term, and industry. Distribution is delivered through a direct field sales force that calls on customers and equipment dealers across North America, supported by inbound phone/web channels, an equipment dealer partner program, and recurring presence at major industry trade shows (CONEXPO-CON/AGG, WWETT, FABTECH).

The company funds portfolio growth primarily through the asset-backed securitization market, having completed 21 term ABS transactions as of mid-2026 and cumulatively financed more than $8 billion in equipment across 38,000+ loans and leases since inception. Repeat customers account for over 70% of originations, indicating high client retention. CCG operates as an independent non-bank lender with no parent company and no disclosed institutional private equity ownership beyond historical minority investors (Falfurrias Capital Partners and Lovell Minnick Partners, 2010 round). Leadership has been stable since founding, with CEO Dan McDonough at the helm since 2004 and recent C-suite promotions formalizing the next generation of executives.

Name

Commercial Credit Group Inc.

Legal name

Commercial Credit Group Inc.

Website

https://commercialcreditgroup.com

Company type

Private

Founded year

2004

Operating status

Operating

Headcount range

101–250 employees

Short description

Commercial Credit Group is an independent, privately held equipment finance company founded in 2004 that originates and services loans, leases, and capital solutions for small and middle-market businesses in the construction, transportation, manufacturing, and waste industries across North America.

Ownership category

akta.pro rank

Product category

Commercial Equipment Financing

NAICS

Credit Intermediation and Related Activities (522), Sales Financing (522220)

SIC

Miscellaneous Business Credit Institution (6159)

akta.pro primary industry

SME Business Lending (Term Loans, Lines of Credit, Overdrafts) (FSABABAB)

akta.pro secondary industries

Fleet & Commercial Vehicle Finance (FSAKADAE), Construction & Development (C&D) Lending — Commercial/Multifamily (FSALADAH)

Keywords

• Equipment financing
• Equipment leasing
• Construction financing
• Transportation financing
• Working capital loans

Headquarters

HQ city

Charlotte

HQ country

United States

HQ region

North America

Offices3 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure, Others

Revenue model

1. Equipment Financing Loans: Traditional term loans for purchasing new or used equipment where the equipment serves as collateral. Interest is charged on the loan principal, and borrowers make regular monthly payments over an agreed term until the loan is paid in full.
2. Equipment Leasing: Lease arrangements for equipment where customers can use equipment for a set period with payments, with options to purchase at the end of the lease term.
3. Equipment Refinancing: Refinancing existing equipment loans to potentially lower payments, extend terms, or access equity in equipment for working capital purposes.
4. Equipment Debt Consolidation: Consolidating multiple equipment loans into a single payment, simplifying debt service and potentially reducing total monthly payments.
5. Working Capital Loans: Cash-out equity from equipment already owned to fund growth, cover unexpected expenses, or provide operational capital.
6. Accounts Receivable Financing: Turning invoices into cash to ensure smoother cash flow and maintain business operations.
7. Asset-Backed Securitization: Company raises capital by packaging equipment finance receivables into term asset-backed securities sold to institutional investors. The company has completed 21 term ABS transactions, with proceeds supporting ongoing originations and diversifying funding sources.

Pricing tiers

Go-to-market motion3 records

Distribution channels3 records

Marketing channels8 records

Core offering

Commercial Credit Group Inc. originates and services equipment loans and leases for middle-market businesses in the construction, transportation, manufacturing, and waste industries across North America. Its offerings span new and used equipment financing, equipment leasing, equipment refinancing, equipment debt consolidation, working capital loans secured by existing equipment, and accounts receivable financing, supplemented by a CCG Fuel Card value-added service.

Product overview

Commercial Credit Group Inc. is an independent equipment financing company offering a comprehensive suite of financing services for the construction, transportation, manufacturing, and waste industries. The core product portfolio centers on equipment financing solutions including new and used equipment financing, equipment refinancing, and equipment leasing. Additional capital services encompass equipment debt consolidation, working capital loans, and accounts receivable financing. The company differentiates through its industry-specialized approach, offering flexible terms, seasonal payment schedules, and relationship-based lending. Value-added services include the CCG Fuel Card for fuel cost savings. The company also provides educational resources including equipment financing guides, calculators, and a blog series on equipment financing best practices. Notably, CCG holds and services all loans for their full term rather than selling them to secondary markets.

Differentiator

Problem solved

Functional benefit

Products and services

• New Equipment Financing Term loan financing for the purchase of new heavy equipment, with terms matched to the customer's business needs, timelines, and cash flow. Targeted at businesses in construction, transportation, manufacturing, and waste industries.
• Used Equipment Financing Financing for the purchase of pre-owned heavy equipment, enabling businesses to acquire machinery at lower cost while preserving working capital. Used in CCG's four core verticals.
• Equipment Leasing Lease arrangements for equipment allowing customers to use machinery for a set period with payments and options to purchase at lease end, preserving capital for other business needs.
• Equipment Refinancing Refinancing of existing equipment loans to lower monthly payments, extend terms, or access equity in the equipment for working capital purposes.
• Equipment Debt Consolidation Consolidation of multiple equipment loans into a single payment to simplify debt service and potentially reduce total monthly obligations.
• Working Capital Loans Cash-out loans using equipment already owned as collateral to fund growth, cover unexpected expenses, or provide operational capital.
• Accounts Receivable Financing Conversion of outstanding customer invoices into immediate cash to maintain smoother cash flow and business operations.
• CCG Fuel Card Fuel savings card offered to CCG financing customers with per-gallon discounts, no fees at in-network locations, U.S. and Canada acceptance, fuel finder map, and online account access.
• Equipment Dealer Partner Program Channel partnership program for construction, transportation, manufacturing, and waste equipment dealers, providing fast and flexible financing approvals that help dealers close transactions that do not fit traditional lending criteria.

Quantifiable outcome

• $8B+ in equipment financed since inception
• +5 more outcomes

Named customers8 records

Segments4 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

Two partnerships are on record, tiered supporting.

• Keystone Equipment FinancesupportingStrategic or Co-development Partner · 21 March 2025Equipment finance receivables from Keystone Equipment Finance were included as backing assets in the 19th ABS transaction, indicating a合作关系 for acquiring diverse receivables.
• Commercial Funding Inc.supportingStrategic or Co-development PartnerAffiliate company that participated in CONEXPO 2026 with 4 team members alongside CCG's 45-person team, indicating coordinated market presence.

Scale indicators12 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• DLL: DLL is a global vendor finance company (subsidiary of Rabobank) that finances equipment for construction, transportation, agriculture, and industrial end markets. Highly comparable to CCG in vertical focus, equipment-based collateralized lending, and dealer-driven distribution.
• PEAC Solutions: PEAC Solutions is a non-bank equipment finance platform that provides lease and loan financing to SMBs across multiple equipment verticals. Similar middle-market customer profile and dealer-channel GTM motion to CCG.
• Marlin Business Services (now Marlin Finance): Marlin provides equipment financing and working capital loans to small businesses across diverse industries. Comparable in SMB equipment lending focus and use of third-party dealer/vendor origination channels.
• Balboa Capital: Balboa Capital is an independent direct lender providing equipment financing and working capital to SMBs. Comparable business model with equipment-based lending and tailored credit decisions outside traditional bank criteria.
• Beacon Funding: Beacon Funding is an independent equipment financing company focused on commercial equipment for SMBs across construction, transportation, and industrial verticals - directly paralleling CCG's four-vertical focus and dealer-based origination.
• Taycor Financial: Taycor Financial provides equipment leasing and financing solutions to SMBs across multiple industries, with a focus on vendor/dealer partnerships. Comparable in product set, customer type, and dealer-channel distribution.
• North Star Leasing: North Star Leasing is an equipment leasing company focused on commercial equipment for SMBs across multiple industries. Comparable in target customer, equipment-based lease product, and independent non-bank structure.
• Advantage Funding: Advantage Funding is an independent equipment finance company serving SMBs primarily in transportation (truck and trailer) with some expansion into construction. Comparable customer profile and equipment-focused lending model.

Broad incumbents

• Mitsubishi HC Capital America (formerly Hitachi Capital America): Mitsubishi HC Capital America is the US arm of a global equipment finance powerhouse offering commercial equipment financing, leasing, and vendor finance across many verticals. Comparable products and customers but from a much larger, balance-sheet-backed institution.
• First Citizens Bank (CIT Group equipment finance): First Citizens acquired CIT Group, which historically operated a large commercial equipment finance business serving SMB and middle-market borrowers. Comparable in equipment lending products and customer base but operates as part of a much larger diversified bank.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/channel/UC257HaxK79ha5epUqmRrDgw
• LinkedInlinkedin.com/company/commercial-credit-group-inc-
• Facebookfacebook.com/1456791124643077

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 records

Funding overview

Funding rounds5 records

Investors2 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A1 record

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Commercial Credit Group Inc.