What American Capital Group does

American Capital Group (dba ACG Capital) is a California-licensed direct equipment lessor founded in 1995 and headquartered in Laguna Hills, California, operating as a subsidiary of Nationwide Capital Holdings Inc. The company originates and services equipment leases and finance agreements for US small and mid-sized businesses across more than a dozen verticals — including restaurant, medical, IT/server, manufacturing, construction/heavy equipment, office, AV/production, transportation, printing, and software — with ticket sizes ranging from $10,000 to $150,000 and terms of 18 to 60 months. Its core technology is a web-based financing platform with a one-page application, real-time deal tracking, e-signature integration (DocuSign, AdobeSign), and the proprietary FastTrak expedited pre-qualification program; an Application-Only tier further removes financial-statement requirements for qualifying borrowers.

ACG monetizes through interest and finance charges embedded in lease payments (recurring subscription-like revenue) and one-time equipment finance agreements. Distribution is multi-channel: direct online/phone applications, broker referrals through AACFB and NEFA memberships, and a Vendor Partner Program that integrates financing into the sales flows of more than 30,000 equipment resellers via co-branded and white-label pages. The company has funded over 20,000 customers cumulatively, holds a California DBO Finance Lender license, and carries an A+ BBB rating. Pricing is quote-based, with a Lowest Payment Guarantee, no required down payment, flexible structures (seasonal payments, step-up leases, 90-day deferral), and bundling of soft costs (installation, training, software).

Name

American Capital Group

Legal name

American Capital Group Inc.

Website

https://acgcapital.com

Company type

Private

Founded year

1995

Operating status

Operating

Headcount range

11–50 employees

Short description

American Capital Group is a California-licensed direct equipment lessor founded in 1995 that originates leases and finance agreements (typically $10K-$150K, 18-60 months) for US small and mid-sized businesses across 15+ verticals, distributed via direct, broker, and 30,000+ vendor partner channels.

Ownership category

akta.pro rank

Headquarters

HQ city

Laguna Hills

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, Infrastructure

Revenue model

1. Equipment Leasing: ACG provides leasing arrangements for commercial equipment where businesses pay periodic lease payments over 18-60 month terms. As a direct lender, the company originates and services these leases directly. Revenue comes from interest/finance charges embedded in lease payments.
2. Equipment Financing: Equipment finance agreements and loans for equipment purchases, with payments structured to match business cash flow. Soft costs (software, training, installation) can be bundled into the financing arrangement.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels9 records

Core offering

American Capital Group (ACG Capital) is a direct lender that finances and leases commercial equipment for small and mid-sized businesses across categories including medical, IT/servers, restaurant, manufacturing, construction/heavy equipment, office, A/V, transportation, printing, and software. Lease terms range from 18-60 months with flexible payment options such as seasonal payments, step-up leases, and 90-day deferred payments, supported by the FastTrak pre-approval program and an application-only program for amounts up to $150,000.

Product overview

American Capital Group (ACG Capital) is a direct lender specializing in equipment leasing and financing for small to mid-sized businesses. The company offers a comprehensive equipment finance platform centered on the ACG FastTrak Program for expedited pre-approved financing, complemented by an Application-Only program for amounts up to $150,000 without financial statements. ACG finances an extensive portfolio of equipment categories including IT/servers, medical equipment, restaurant/hospitality, manufacturing, construction/heavy equipment, printing, audio/visual studio gear, office equipment, transportation, and agricultural equipment. The Vendor Partner Program enables equipment sellers to offer financing to their customers. Financing terms range from 18-60 months with flexible payment options including seasonal payments, step-up leases, and 90-day deferred payment programs. The company backs its offerings with a Lowest Payment Guarantee and serves customers from small businesses to Fortune 500 companies, having funded over 20,000 customers and built relationships with over 30,000 equipment resellers.

Differentiator

Problem solved

Functional benefit

Brands

• FastTrak Program: An expedited pre-qualification program that allows customers to secure financing approval in advance and receive equipment quickly.

Products and services

• ACG FastTrak Program ACG's flagship expedited financing program that provides pre-approval for equipment leasing, allowing customers to secure funding in advance and complete transactions quickly with a direct lender.
• Equipment Finance & Leasing Core equipment leasing and financing services for small to mid-sized businesses, offering flexible payment programs including seasonal payments, deferral options, and customized lease structures from 18 to 60 months.
• Vendor Partner Program B2B financing platform enabling equipment vendors to offer leasing options to their customers, featuring real-time transaction tracking, e-signature capabilities, and private label options.
• Restaurant Equipment Financing Financing for commercial kitchen equipment including ovens, refrigerators, cooking stoves, espresso machines, coffee equipment, POS systems, and food trucks.
• Medical Equipment Financing Financing for medical equipment including MRI machines, X-ray, CT scanners, ultrasound systems, dental equipment, veterinary equipment, ophthalmic equipment, physical therapy equipment, laboratory equipment, and telemedicine.
• Server & IT Infrastructure Leasing Leasing for servers including Windows, Linux, mainframe/enterprise, blade, rackmount, and specialized servers (IBM, HP, Dell), plus networking equipment, PBX phone systems, VoIP, firewalls, and SAN/NAS storage.
• Computer & Laptop Financing Financing for computers, laptops, tablets, workstations, Mac/Apple products, iPads, smartphones, and related computer equipment for business use.
• Office Equipment Leasing Leasing for office equipment including copiers, office furniture, cubicles, scanners, printers, MFPs, conference tables, and office chairs.
• Heavy Equipment Financing Financing for construction and heavy equipment including backhoes, excavators, skid steers, bulldozers, trailers, tractors, lifts, and construction vehicles.
• Manufacturing Equipment Financing Financing for manufacturing equipment including CNC machines, lathes, boring mills, drilling machines, shears, press brakes, laser cutters, saws, forklifts, injection molding machines, and welding equipment.
• 3D Printer Leasing Leasing for 3D printers and dimensional printing equipment including HP Designjet, ZCorp, FDM prototyping printers, and 3D scanners.
• Lifts & Forklift Leasing Leasing for lift equipment including scissors lifts, vehicle lifts, hydraulic lifts, boom lifts, forklifts, and material handling equipment.
• Transportation & Truck Leasing Leasing for transportation equipment including trailers, tow trucks, tank trailers, box trucks, and commercial trucking equipment.
• Printing Equipment Leasing Financing for printing equipment including digital presses, offset presses (Heidelberg, Man Roland, Komori), color presses, high-speed printers, wide format printers, and finishing equipment.
• Audio/Visual & Studio Equipment Financing Financing for production and recording studio equipment including HD cameras, RED/ARRI/Sony cinema cameras, camcorders, projectors, video editing equipment, audio equipment, and light fixtures.
• Software Leasing Leasing for business software including accounting, POS, EMR/EHR, CRM, operating systems, CAD, database management, and manufacturing/inventory software.
• No Financials Required Program Application-only financing program for equipment costing $10,000 to $150,000, requiring no financial statements or business plans for qualified applicants.

Quantifiable outcome

• Approval typically within 24 hours of application
• +3 more outcomes

Named customers10 records

Segments8 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

Three partnerships are on record, tiered core.

• American Association of Commercial Finance Brokers (AACFB)coreChannel Partner/ Reseller/ DistributorACG is a member and accepts broker applications through AACFB, enabling commercial finance brokers to facilitate equipment financing for their clients through ACG's lending programs.
• National Equipment Finance Association (NEFA)coreChannel Partner/ Reseller/ DistributorACG is a member of NEFA and accepts broker applications through this channel, providing access to equipment finance industry professionals who can connect customers with ACG financing.
• Equipment Resellers/Vendors (30,000+ network)coreChannel Partner/ Reseller/ DistributorACG has built relationships with over 30,000 equipment resellers who offer financing options to their customers. Vendors receive access to e-signature technology, real-time deal tracking, co-branded marketing materials, and private-label financing pages.

Scale indicators6 records

Expansion highlights4 records

Direct peers

• Marlin Equipment Finance: Direct competitor specializing in equipment leasing and financing for small and mid-sized businesses across IT, manufacturing, medical, and restaurant verticals. Closely matches ACG's SMB-focused, multi-vertical equipment lease model.
• Balboa Capital: Direct competitor offering equipment leasing, vendor financing, and working capital loans to SMBs. Competes head-to-head with ACG in multi-vertical equipment finance with similar speed-of-funding positioning.
• TimePayment: Direct competitor focused on equipment leasing for small businesses, with strong vendor/lessor partnerships and online application processing. Overlaps with ACG on SMB equipment finance and vendor channel strategy.
• Ascentium Capital: Direct competitor providing equipment finance and leasing across vendor, direct, and broker channels with strong technology orientation. Comparable to ACG in multi-vertical SMB equipment finance with vendor partner program emphasis.
• Crest Capital: Direct competitor offering equipment leasing and financing for SMBs across diverse equipment types with fast approval and online application. Highly comparable to ACG on business model, customer segment, and product breadth.
• North Star Leasing: Direct competitor specializing in equipment leasing for small businesses with a vendor partner program similar to ACG's. Overlaps on underwriting approach, ticket size focus, and channel distribution.
• LEAF Commercial Capital: Direct competitor providing equipment leasing and financing to SMBs and middle-market companies across multiple verticals. Comparable product set and target customer as ACG.

Broad incumbents

• DLL (De Lage Landen): Global vendor finance and equipment leasing incumbent with broad industry coverage. Larger scale than ACG but directly competes in vendor-channel equipment financing across many of the same verticals.
• Wells Fargo Equipment Finance: Bank-owned broad equipment finance provider offering leases and loans across virtually every equipment category ACG covers. Represents the large-bank incumbent ACG positions itself against with speed and simplicity.

Emerging players

• Biz2Credit: Digital SMB lender offering equipment financing and working capital products with an online, fast-decision model. Represents the emerging fintech wave ACG competes against on speed, UX, and digital onboarding.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Customer concentration

• Xx.com/acgcapital
• Facebookfacebook.com/americancapitalgroupinc
• LinkedInlinkedin.com/company/american-capital-group-inc-

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds1 record

Investors

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 American Capital Group