Triton Capital
Triton Capital is a private, San Diego-based SMB lender founded in 2008 that originates working capital loans (from 8.99%), equipment loans (from 5.99%), and SBA loans up to $250,000 to small and medium-sized businesses across all 50 U.S. states, with funding decisions in 2-4 hours.
- Company typePrivate
- Founded2008
- HeadquartersSan Diego, United States
- Headcount11–50
- GTM typeB2B
- OfferingServices
What Triton Capital does
Triton Capital (legal entity Triton Cptl, Inc.) is a private small business financing company founded in 2008 in San Diego, California, operating under California Finance Lenders License No. 60DBO42128. The company originates working capital loans (rates starting at 8.99%), equipment loans (rates starting at 5.99%), and SBA loans, with funding amounts up to $250,000 and terms ranging from 6 to 60 months. It serves small and medium-sized businesses across all 50 U.S. states, with vertical specialization in construction, healthcare, restaurants and food service, automotive, transportation, and printing.
The company's core technology stack is an online lending platform with a fintech integration through KWIPPED's APPROVE network (a consortium of 17 equipment finance companies), enabling a 2-4 hour approval process and funding typically delivered within hours to two days. Supporting features include secure bank statement download tools for verification, TLS encryption for data protection, and a 24/7 self-serve online application portal. Distribution is multi-channel: direct inside sales via Client Advocates, self-serve online applications, and a vendor financing program that embeds Triton's loans into equipment dealer point-of-sale workflows. The company maintains a BBB A rating, NerdWallet Top Pick recognition for equipment financing, and earned-media presence in Bloomberg, The New York Times, CNBC, Forbes, and Entrepreneur.
Triton generates revenue primarily through interest income on originated loans (rates from 5.99% to 8.99%) and ancillary fees, with a stated 82% client return rate indicating strong repeat-borrower economics. The company operates with an 11-50 employee headcount and self-funds originations through unnamed banking partners rather than disclosed institutional capital. It also offers a Lowest Payment Guarantee promising to beat any competitor's lower payment or pay the customer $250, which functions as both a pricing commitment and a marketing differentiator in a competitive SMB lending category.
Triton Capital firmographics
Firmographics- Name
- Triton Capital
- Legal name
- Triton Cptl, Inc.
- Website
- https://tritoncptl.com
- Company type
- Private
- Founded year
- 2008
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Triton Capital is a private, San Diego-based SMB lender founded in 2008 that originates working capital loans (from 8.99%), equipment loans (from 5.99%), and SBA loans up to $250,000 to small and medium-sized businesses across all 50 U.S. states, with funding decisions in 2-4 hours.
- Ownership category
- akta.pro rank
Triton Capital industry classification
Industry- Product category
- Small Business Lending
- NAICS
- Credit Intermediation and Related Activities (522), Sales Financing (52222)
- SIC
- Miscellaneous Business Credit Institution (6159), Short-Term Business Credit Institutions (6153)
- akta.pro primary industry
- SME Term Loans & Growth Capital (FSAKAGAB)
- akta.pro secondary industries
- Equipment & Asset Finance (SME) (FSAKAGAF), Microloans & Working Capital Loans (FSAKAGAA)
Keywords
Where Triton Capital is headquartered
LocationHeadquarters
- HQ city
- San Diego
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Triton Capital business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Others
Revenue model
- Working Capital Loans: Interest-bearing loans providing businesses with working capital for operational needs. Interest rates starting at 8.99%. Revenue generated through interest payments over the loan term.
- Equipment Loans: Financing solutions for equipment purchases. Rates starting at 5.99%. Revenue generated through interest and potentially origination fees over the loan lifecycle.
- SBA Loans: Small Business Administration loans providing government-backed financing options to eligible businesses.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Unit Pricing | Pay-as-you-go | Equipment Financing - Starting at 5.99% |
| Unit Pricing | Pay-as-you-go | Working Capital Loans - Starting at 8.99% |
Go-to-market motion4 records
Distribution channels4 records
Marketing channels7 records
Triton Capital product offering
Product offeringCore offering
Triton Capital is a small business financing lender providing Working Capital Loans (rates starting at 8.99%, up to $250,000), Equipment Loans (rates starting at 5.99%, terms up to 60 months), SBA Loans, and an Offer Financing vendor program for equipment dealers. The company targets SMBs across all 50 U.S. states, delivering approvals in 2–4 hours and funding within hours to 2 days, with flexible monthly, weekly, or daily payment schedules.
Product overview
Triton Capital is a small business financing company offering a portfolio of loan products centered around working capital and equipment financing. The core offerings include Working Capital Loans (rates starting at 8.99%, up to $250K, 6-36 month terms), Equipment Loans (rates starting at 5.99%, up to 60 month terms), SBA Loans, and an Offer Financing vendor program. A key differentiator is the Lowest Payment Guarantee, which promises to beat competitor rates or pay $250. The company primarily serves small- to medium-sized businesses across all 50 states, with funding typically delivered within two days of approval. The financing process is engineered for speed and simplicity compared to traditional bank lending.
Differentiator
Problem solved
Functional benefit
Products and services
- Working Capital Loans Short-term financing solutions for small businesses to cover operational expenses, bridge receivables, and manage cash flow. Rates start at 8.99%, funding up to $250,000 with terms from 6–36 months. Targeted at SMBs across industries needing quick capital deployment.
- Equipment Loans Financing solutions for purchasing business equipment, machinery, and technology. Rates start at 5.99%, with terms up to 60 months and funding typically delivered within two days of approval. Used by construction, medical, food service, and other equipment-buying SMBs.
- SBA Loans Small Business Administration loans offered through Triton Capital's lending network, providing government-backed financing options for eligible small businesses seeking longer-term or higher-value financing.
- Offer Financing (Vendor Program) Vendor financing program that enables equipment dealers and vendors to offer financing to their customers at the point of sale. Includes a vendor platform for running payments, submitting applications, and accessing marketing resources. Allows partners to get clients approved in hours.
Quantifiable outcome
- Fast financing decisions in 2-4 hours
- +3 more outcomes
Companies that use Triton Capital
Customer profileNamed customers4 records
Segments8 records
Ideal customer profiles5 records
Triton Capital technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature4 records
Triton Capital partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- KWIPPEDcoreKWIPPED operates a network of 17 equipment finance companies through their APPROVE fintech solution. Triton Capital is integrated into this network enabling rapid loan processing and access to the APPROVE platform's technology for efficient financing operations.
Scale indicators6 records
Recent moves6 records
Expansion highlights4 records
Triton Capital competitors and assessment
Company assessmentDirect peers
- Balboa Capital: Balboa Capital is a direct competitor in SMB equipment financing and working capital lending, serving a similar SMB customer base with similar term-loan products. Very comparable in size, product mix, and customer profile to Triton Capital.
- National Funding: National Funding is a direct competitor offering working capital loans and equipment financing to small businesses with a fast-approval, broad-credit-profile model. Highly comparable product set and target customer segment to Triton.
- Currency (formerly Currency Finance): Currency provides working capital and equipment financing to SMBs with fast approval processes and similar funding caps. Directly comparable SMB lending products and customer base.
- CAN Capital: CAN Capital is a long-standing direct competitor in SMB working capital lending, offering term loans and lines of credit to small businesses. Comparable target customer and product offering.
- BlueVine: BlueVine is a fintech lender offering working capital lines of credit and term loans to SMBs with fast online approvals. Competes directly with Triton for the same speed-sensitive SMB borrower.
- OnDeck (Enova): OnDeck, owned by Enova, is a major online SMB lender offering term loans and lines of credit with rapid funding. A leading scaled fintech peer in the same product category Triton serves.
- Headway Capital: Headway Capital offers working capital loans to SMBs with a fast, online-friendly application process. Directly comparable product positioning and SMB target segment.
Emerging players
- Lendio: Lendio operates a marketplace connecting SMBs to multiple lenders for working capital, equipment financing, and SBA loans. Comparable end-customer and product set, distributed via a different (aggregator) business model.
Broad incumbents
- Funding Circle: Funding Circle is a scaled online SMB lender offering term loans and lines of credit. Comparable product category but a much larger and publicly-traded player; useful as a broad-incumbent benchmark.
Regional players
- Accion Opportunity Fund: Accion Opportunity Fund is a nonprofit CDFI offering small business loans, including working capital and equipment financing, to underserved SMBs. Comparable mission and product focus on underbanked SMBs.
Market position
Strengths4 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Triton Capital social profiles
Digital presenceTriton Capital financial estimates
Financial estimateRevenue estimate
Valuation estimate
Triton Capital leadership team
Management profileNumber of profiles
Triton Capital funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Triton Capital M&A and investment
M&A and investmentM&A
Investments1 record
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Triton Capital
What does Triton Capital do?
Triton Capital is a small business financing lender providing Working Capital Loans (rates starting at 8.99%, up to $250,000), Equipment Loans (rates starting at 5.99%, terms up to 60 months), SBA Loans, and an Offer Financing vendor program for equipment dealers. The company targets SMBs across all 50 U.S. states, delivering approvals in 2–4 hours and funding within hours to 2 days, with flexible monthly, weekly, or daily payment schedules.
Is Triton Capital a public or private company?
Triton Capital is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Triton Capital founded?
Triton Capital was founded in 2008. It employs 11 to 50 people.
Where is Triton Capital based?
Triton Capital is headquartered in San Diego, United States, in the North America region.
How does Triton Capital make money?
Three revenue lines are on record. Working Capital Loans are the primary driver. The others are equipment Loans and SBA Loans.
Who are Triton Capital's main competitors?
Direct peers on record are Balboa Capital, National Funding, Currency (formerly Currency Finance), CAN Capital, BlueVine, OnDeck (Enova) and Headway Capital. Lendio is listed as an emerging player. Funding Circle is listed as a broad incumbent. Accion Opportunity Fund is listed as a regional player.
Does Triton Capital have an API?
No public API is recorded for Triton Capital.
What industry is Triton Capital in?
Triton Capital's product category is Small Business Lending. Its primary akta.pro industry code is FSAKAGAB, SME Term Loans & Growth Capital, with a secondary code of FSAKAGAF, Equipment & Asset Finance (SME). Its NAICS code is 522 and its SIC code is 6159.