Avtech Capital

What Avtech Capital does

Avtech Capital is a privately held equipment financing and leasing company headquartered in Cottonwood Heights, Utah, founded in 2002. The company provides equipment financing ranging from $250,000 to over $50 million across more than 100 industries, serving mid-market and enterprise businesses that have been declined by or seek alternatives to traditional bank lenders. Its core product, branded "Execution Capital," encompasses direct leases, $1 buyout and fair market value lease structures, sale-leaseback transactions, and customized payment schedules (including seasonal and deferred terms) engineered around customer cash flow.

The business operates through three distribution channels: a direct sales motion with online application and pre-approval calculators, a Broker Partner Program serving equipment finance brokers via a dedicated portal, and a Vendor Partner Program enabling equipment vendors to offer point-of-sale financing. Technology stack centers on the Thomson Reuters CLEAR platform for due diligence (delivering 100% coverage and reduced turnaround times), complemented by customer-facing financial calculators. Revenue is generated through interest income and fees on lease and loan portfolios, supplemented by structuring and arrangement fees from capital-markets activity, exemplified by the inaugural $141M equipment ABS issuance (AVT 2026-1) in February 2026.

The company is led by the Scharman family — Scott Scharman as Chairman and Chris Scharman as CEO — alongside an executive team including a President, CFO, Chief Credit Officer, and EVP of Sales. Capital One, N.A. provides a $75 million revolving credit facility (November 2022), and the firm has cumulatively funded over $1 billion in customer projects since inception. Industry recognition includes three consecutive Best of State Equipment Finance awards (2024–2026), Top Place to Work in Utah (2024, 2025), Forbes Finance Council membership for the CEO, and inclusion in Monitor's 2025 Funding Source Directory.

Name

Avtech Capital

Legal name

Avtech Capital, LLC

Website

https://avtechcapital.com

Company type

Private

Founded year

2002

Operating status

Operating

Headcount range

51–100 employees

Short description

Avtech Capital is a Utah-based equipment financing and leasing company providing $250K–$50M+ financing across 100+ industries to mid-market and enterprise businesses declined by traditional banks, distributing through direct sales and broker/vendor partner programs.

Ownership category

akta.pro rank

Product category

Equipment Finance & Leasing

NAICS

Sales Financing (52222)

SIC

Services-Equipment Rental & Leasing, Nec (7359), Short-Term Business Credit Institutions (6153)

akta.pro primary industry

SME Term Loans & Growth Capital (FSAKAGAB)

Keywords

• Equipment financing
• Equipment leasing
• Sale-leaseback
• Commercial lending
• Asset-based financing

Headquarters

HQ city

Utah

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Equipment Lease and Financing Interest & Fees: Avtech Capital generates revenue through interest income and fees associated with equipment financing and leasing transactions. The company structures deals ranging from $250,000 to $50M+ across various industries, with flexible terms tailored to customer needs.
2. Asset-Backed Securitization (ABS) Transaction Fees: Avtech Capital completed its inaugural $141M equipment ABS issuance (AVT 2026-1), generating structuring and arrangement fees through the transaction, with senior tranche rated AAA (sf) by Kroll Bond Rating Agency.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels6 records

Core offering

Avtech Capital is an equipment finance and leasing company that funds business equipment purchases via leases, loans, and sale-leaseback transactions ranging from $250,000 to $50 million or more across more than 100 industries. Its "Execution Capital" product line delivers 100% financing with tailored terms, approximately two-week processing, and flexible structures (seasonal, deferred, $1 buyout, fair market value) for borrowers often declined by traditional banks. The offering is delivered through direct sales plus broker and vendor partner programs.

Product overview

Avtech Capital offers a unified equipment financing platform centered on Execution Capital, their core equipment financing product. The platform provides a suite of financial tools including an Equipment Lease Calculator, Section 179 Deduction Calculator, and Pre-Approval Calculator to support the financing process. The company operates two partner programs—the Broker Partner Program and Vendor Partner Program—which enable brokers and vendors to offer Avtech's financing solutions at point of sale. All offerings are oriented around providing flexible, tailored equipment financing ranging from $250,000 to $50 million+ across over 100 industries.

Differentiator

Problem solved

Functional benefit

Products and services

• Execution Capital Equipment Financing Branded flagship equipment financing and leasing product providing $250,000 to $50M+ in financing across 100+ industries, with 100% financing options, flexible terms, and approximately two-week processing for businesses that need equipment funding outside of traditional bank channels.
• Sale-Leaseback Transactions Equipment sale-leaseback service that lets businesses unlock working capital from existing equipment they already own, converting owned assets into cash while retaining use through a lease; for healthcare, telecom, oil and gas, and other equipment-intensive businesses.
• Broker Partner Program Program that gives equipment finance brokers access to Avtech Capital as a lender partner, including a partner portal to manage client transactions, learning resources, and the ability to offer clients simple 100% financing across credit profiles.
• Vendor Partner Program Program enabling equipment vendors and dealers to offer 100% Avtech Capital financing at the point of sale to their end customers, with the vendor earning a financing-attached sales lift.

Quantifiable outcome

• Over $1 Billion in customer projects funded
• +4 more outcomes

Named customers19 records

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Partnerships

Five partnerships are on record, tiered core and minor.

• Thomson ReuterscoreTechnology or Integration · 16 January 2026Avtech Capital implemented Thomson Reuters CLEAR platform to improve its due diligence process for equipment financing. The implementation significantly reduced time spent on reviews, increased coverage to 100%, cut deal turnaround times, and enhanced risk management by more effectively identifying bad actors.
• ProPhase LabsminorOthers · 19 December 2025ProPhase Labs disclosed updated payment arrangements with Avtech Capital following a judgment in Utah. The relationship appears to involve financing arrangements related to ProPhase Labs' operations.
• AACFB (American Association of Commercial Finance Brokers)minorOthersAvtech Capital is a proud member of key industry associations including AACFB, ELFA, and NEFA, which provide industry connections and credibility within the equipment finance sector.
• ELFA (Equipment Leasing and Finance Association)minorOthersAvtech Capital is a proud member of key industry associations including AACFB, ELFA, and NEFA, which provide industry connections and credibility within the equipment finance sector.
• NEFA (National Equipment Finance Association)minorOthersAvtech Capital is a proud member of key industry associations including AACFB, ELFA, and NEFA, which provide industry connections and credibility within the equipment finance sector.

Scale indicators8 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Balboa Capital: Balboa Capital is a direct competitor providing equipment financing and leasing to small and mid-sized US businesses, with similar broker and vendor channel programs and deal sizes in the same range as Avtech.
• Time Payment (formerly Ascentium Capital): Time Payment is a direct competitor providing equipment financing and leasing to businesses, with a strong vendor channel program and similar technology-enabled underwriting approach.
• Taycor Financial: Taycor Financial is a direct competitor providing equipment financing to small and mid-market US businesses, with a vendor and broker partner program and similar flexible structuring capabilities.
• GreatAmerica Financial Services: GreatAmerica is one of the largest independent equipment finance companies in the US, offering lease and loan products across multiple verticals with vendor program distribution closely matching Avtech's model.
• NFS Leasing: NFS Leasing is a direct peer offering equipment lease and financing solutions for mid-market businesses across diverse industries, with comparable deal-size ranges and credit profile flexibility.

Emerging players

• Currency Capital: Currency Capital is an emerging equipment financing platform providing point-of-sale and online equipment financing, representing a fintech-style emerging competitor to traditional equipment finance companies like Avtech.
• Currency (formerly Currency Capital): Currency is an emerging equipment finance marketplace connecting businesses with multiple lenders, representing a technology-enabled distribution channel that competes with Avtech's direct and broker channels.

Broad incumbents

• CIT Group: CIT is a large, established commercial finance company offering equipment financing among many other asset-based lending products, representing a broader incumbent with overlapping equipment finance capabilities.
• Marlin Business Services: Marlin Business Services is a long-established commercial equipment finance company providing lease and loan products to small and mid-sized US businesses, overlapping with Avtech's core customer base.
• DLL (De Lage Landen): DLL is a global vendor finance provider serving equipment manufacturers and dealers across many industries, comparable to Avtech's vendor partner program but at much larger international scale.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks7 records

Key highlights7 records

Customer concentration

• Xx.com/avtechcapital
• YouTubeyoutube.com/@avtechcapital/featured
• LinkedInlinkedin.com/company/avtech-capital
• Instagraminstagram.com/avtechcapital
• Facebookfacebook.com/avtechcapital

Revenue estimate

Valuation estimate

Number of profiles

Profiles10 records

Funding overview

Funding rounds1 record

Investors1 record

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

M&A

Investments

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

Frequently asked questions about Avtech Capital