Mitsubishi Hc Capital America

Name

Mitsubishi Hc Capital America

Legal name

Mitsubishi HC Capital America, Inc.

Website

https://mhccna.com

Company type

Private

Founded year

2021

Operating status

Operating

Headcount range

251–500 employees

Ownership category

akta.pro rank

Product category

Commercial Equipment Financing

NAICS

Sales Financing (522220), Finance and Insurance (52), Funds, Trusts, and Other Financial Vehicles (525)

SIC

Miscellaneous Business Credit Institution (6159), Services-Equipment Rental & Leasing, Nec (7359)

akta.pro primary industry

Specialty Finance / Structured Credit (FSANADAE)

akta.pro secondary industries

Equipment Financing / Leasing (Venture-backed) (FSANAIAE), SME Trade Finance & Working Capital (LCs, Guarantees, Receivables) (FSABABAF)

Keywords

• Commercial equipment financing
• Asset-based lending
• Vendor financing programs
• Capital markets solutions
• Specialty finance services

Headquarters

HQ city

Norwalk

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

Revenue model

1. Equipment Leasing and Financing: Equipment leases and loans, FMV leases, TRAC lease financing, and equipment loans provide flexible financing solutions to businesses for acquiring equipment without large upfront capital expenditures.
2. Asset-Based Lending: Asset-based lending solutions where eligible equipment, inventory, and account receivables serve as collateral for loans, ideal for growing businesses or those facing financial challenges.
3. Project and Structured Financing: Customized loans and solutions for unique project needs including IT installations, equipment upgrades, and social innovation projects.
4. Capital Markets: Solutions for lenders, lessors, and vendors with working capital and risk management, including diverse range of buying and selling options backed by the well-capitalized parent company.
5. Senior Secured Loans: Funding for growth activities including buyouts, acquisitions, and expansions with customized financing to manage cash flow and growth opportunities.
6. Technology Channel Financing: Customized financing helping technology VARs and solution providers invest in hardware, software, and IT services with flexible working capital solutions.
7. Trade and Supply Chain Financing: Flexible tailored programs for companies looking to solve working capital challenges on both sides of the balance sheet.
8. Vendor Programs: Programs helping OEMs, manufacturers, and dealers provide diverse financing options for their customers with flexible terms, quick approvals, and competitive rates.
9. As-a-Service Financing: Flexible financing supporting subscription-based sales models to help sellers and suppliers improve cash flow and revenue potential.
10. Inventory Financing: Floor plan loans secured against inventory value to help dealerships maintain stock and sales growth without straining cash flow.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels3 records

Core offering

Mitsubishi HC Capital America provides specialty commercial and equipment financing solutions to businesses across North America. Its offerings span two main categories: commercial finance (asset-based lending, capital markets, project and structured financing, senior secured cash flow loans, technology channel financing, and trade and supply chain financing) and equipment finance (equipment leases and loans, FMV leases, TRAC leases, inventory financing, As-a-Service financing, and vendor programs). The company serves 64,000+ customers across 11 industry verticals with customized payment structures and term lengths.

Product overview

Mitsubishi HC Capital America provides specialty financing solutions across North America through two main categories: Commercial Finance (Asset-based lending, Capital markets, Project and structured financing, Senior secured loans, Technology channel financing, and Trade and supply chain financing) and Equipment Finance (As-a-Service financing, Equipment leases and loans, FMV leases, Inventory financing, TRAC lease financing, and Vendor programs). The company serves diverse industries including Cleantech, Construction, Distribution, EV and charging infrastructure, Franchise, Healthcare, Industrial, Insurance, Manufacturing, Technology, and Transportation, offering customized financing structures with flexible payment options, custom term lengths, and various end-of-term options.

Differentiator

Problem solved

Functional benefit

Products and services

• Asset-based lending
• Capital markets
• Project and structured financing
• Senior secured cash flow loans
• Technology channel financing
• Trade and supply chain financing
• As-a-Service financing
• Equipment leases and loans
• FMV leases
• Inventory financing
• TRAC lease financing
• Vendor programs

Quantifiable outcome

• 10-20% gains in production output from smart manufacturing initiatives financed through flexible structures (Deloitte research cited in plastics industry coverage)
• +1 more outcomes

Named customers5 records

Segments11 records

Ideal customer profiles6 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability3 records

Feature1 record

Partnerships

Five partnerships are on record, tiered core and minor.

• Solar LandscapecoreStrategic or Co-development Partner · 7 May 2026Solar Landscape closed a $600 million committed and green-labeled senior debt warehouse facility for distributed energy deployment. Mitsubishi HC Capital America participated alongside First Citizens Bank (lead), KeyBank National Association, National Bank of Canada, Atlas, Apterra Infrastructure Capital, Siemens Financial Services, BankUnited, and Amalgamated Bank. The facility comprises a $350 million three-year revolving construction warehouse and a $250 million delayed draw term loan with five-year tenor.
• Big Joe ForkliftscoreChannel Partner/ Reseller/ Distributor · 27 January 2026Big Joe Forklifts launched Big Joe Financial Services, partnering with Mitsubishi HC Capital America along with PNC Vendor Finance and Verdant Commercial Capital to provide financing for forklifts, warehouse equipment, and autonomous solutions. The program offers competitive rates, quick approvals, and flexible credit lines to improve dealer competitiveness and operational efficiency.
• ForeFront PowercoreStrategic or Co-development Partner · 22 November 2025ForeFront Power closed its ninth distributed generation fund with participation from Mitsubishi HC Capital America alongside MUFG Bank, Cadence Bank, and Sumitomo Mitsui Trust Bank. The fund includes debt financing and partial equity sell-down spanning over 100 solar and battery storage projects across four U.S. states, supporting the company's development pipeline over the next two years.
• OwlSurecoreTechnology or Integration · 11 November 2025Mitsubishi HC Capital America partnered with OwlSure to implement a scalable, cloud-native data platform on Microsoft Azure to support its growth and complex data integration needs. The initiative aims to enhance visibility, risk management, and decision-making across the organization, laying the groundwork for future AI and predictive analytics capabilities.
• HousbyminorChannel Partner/ Reseller/ Distributor · 13 March 2025Mitsubishi HC Capital America announced a strategic partnership with construction dealer Housby as demand and inventory levels remained elevated in the construction equipment sector. The partnership supports used equipment financing and leasing strategies in the construction sector.

Scale indicators5 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• John Deere Financial: Captive finance arm for agricultural and construction equipment. Comparable in vendor/dealer financing programs, inventory floor plan loans, and long-tail equipment leasing to commercial customers.
• Caterpillar Financial Services: Captive equipment finance arm of a major OEM, providing leases and loans to construction and industrial customers. Comparable in TRAC and FMV lease products, inventory/floor plan financing, and cyclical vertical exposure.
• DLL Group: Rabobank-owned global equipment finance specialist with deep vendor program and structured asset finance capabilities. Closely comparable in multi-vertical equipment leasing, vendor/OEM programs, and cross-border operating model.
• Volvo Financial Services: Captive finance arm of a major truck and construction equipment OEM. Comparable in transportation/transportation-equipment leasing, TRAC structures, and dealer floor plan financing.
• Siemens Financial Services: Global equipment financier that participated alongside MHCCA in the Solar Landscape $600M warehouse facility. Directly comparable in cross-border equipment/vendor financing, cleantech project finance, and technology channel programs across North America.
• PNC Equipment Finance: Major US bank-affiliated equipment lessor named alongside MHCCA in the Big Joe Forklifts vendor program. Comparable in vendor financing, technology channel financing, and mid-market equipment leasing products.
• Hitachi Capital America: Japanese-origin equipment finance subsidiary operating in the US with a similar parent-subsidiary model. Comparable in serving mid-market and enterprise equipment financing across multiple verticals with vendor programs.
• MUFG Bank (US equipment/project finance): Japanese megabank that participated alongside MHCCA in the ForeFront Power distributed generation fund and other syndicated deals. Comparable in syndicated cleantech project finance and structured equipment lending in the US market.

Broad incumbents

• Wells Fargo Equipment Finance: Large US bank equipment finance division offering leases, loans, and vendor programs across multiple verticals. Comparable as a broad portfolio competitor rather than a specialized player.
• Bank of America Equipment Finance: Large US bank equipment finance business providing asset-based lending and leasing solutions. Comparable as a deep-pocketed competitor with broad product reach rather than vertical specialization.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xtwitter.com/mhccapital
• LinkedInlinkedin.com/company/mitsubishi-hc-capital-america-inc
• Facebookfacebook.com/mhccna.ca

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 records

Subsidiaries3 records

Funding overview

Funding rounds

Investors

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

M&A

Investments10 records

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

Frequently asked questions about Mitsubishi Hc Capital America