FinCap
FinCap, LLC is a US-based equipment financing company serving small and medium-sized businesses with equipment loans, leases, working capital, and merchant cash advances. It operates remotely nationwide via direct sales and a vendor referral channel, founded in 2008 and led by an experienced two-person management team.
- Company typePrivate
- Founded2008
- HeadquartersDeerfield Beach, United States
- Headcount1–10
- GTM typeB2B
- OfferingServices
What FinCap does
FinCap, LLC is a privately held US equipment financing company founded in the summer of 2008 and headquartered in Deerfield Beach, Florida. It originates equipment financing, equipment leasing, working capital loans, and merchant cash advances for small and medium-sized businesses, with a stated ticket range of $5,000 to $5,000,000 and typical equipment deals up to $250,000. The company explicitly serves segments underserved by traditional banks, including start-ups (under two years in business) and credit-challenged borrowers, and accepts used/refurbished equipment and private-party sellers.
The product portfolio centers on three offerings: Equipment Financing (and leasing) with up to 100% financing and same-day approval; Vendor Programs, a channel-partnership model through which equipment sellers refer customers in exchange for being paid in full upfront; and Working Capital, providing short-term business loans and merchant cash advances with funding within days. The technology layer is deliberately lightweight, anchored by a one-page credit application and a self-serve online portal, supported by a remote nationwide direct-sales team.
FinCap is founder-controlled, with Kristin Bennett as CEO (overseeing Credit, Funding, Technology, and Accounting) and Sean Hilliard as President (overseeing Direct and Vendor Services). The firm employs 1-10 people, operates remotely across the United States with no physical branch network, generates revenue through interest, lease payments, and referral economics, and has no disclosed institutional funding, parent company, or M&A activity. Distribution relies on a sales-led direct channel, the vendor referral channel, content marketing via the company website, and email/newsletter nurturing.
FinCap firmographics
Firmographics- Name
- FinCap
- Legal name
- FinCap, LLC
- Website
- https://fincapco.com
- Company type
- Private
- Founded year
- 2008
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- FinCap, LLC is a US-based equipment financing company serving small and medium-sized businesses with equipment loans, leases, working capital, and merchant cash advances. It operates remotely nationwide via direct sales and a vendor referral channel, founded in 2008 and led by an experienced two-person management team.
- Ownership category
- akta.pro rank
FinCap industry classification
Industry- Product category
- Equipment Financing & Small Business Lending
- NAICS
- Sales Financing (52222), Credit Intermediation and Related Activities (522)
- SIC
- Miscellaneous Business Credit Institution (6159), Short-Term Business Credit Institutions (6153)
- akta.pro primary industry
- Embedded Lending & Credit (POS, Working Capital, Credit Lines) (FSAGALAD)
Keywords
Where FinCap is headquartered
LocationHeadquarters
- HQ city
- Deerfield Beach
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
FinCap business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Marketing or Sales, Operations, Technology or R&D, Others
Revenue model
- Equipment Financing: Equipment financing for equipment, vehicles, and software. Provides 100% financing options with flexible terms and competitive rates. Revenue generated through interest on financed amounts.
- Equipment Leasing: Equipment leasing programs that allow businesses to lease equipment rather than purchase outright. Monthly payments over set terms generate recurring revenue.
- Working Capital Loans: Short term business loans, merchant cash advance programs and other business capital options for businesses needing quick access to working capital.
- Vendor Program Referrals: Partner program where equipment vendors refer customers for financing. Vendors get paid in full for equipment while FinCap handles the financing relationship with the customer.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Unit Pricing | Monthly | Standard financing range for most business needs |
| Unit Pricing | Monthly | Equipment financing/leasing for qualified applicants |
| Usage-based | Pay-as-you-go | Short-term working capital |
Go-to-market motion2 records
Distribution channels3 records
Marketing channels3 records
FinCap product offering
Product offeringCore offering
FinCap provides equipment financing, equipment leasing, and short-term working capital solutions to U.S. small and medium-sized businesses through a one-page credit application that can deliver approvals in as little as 2 hours and same-day funding. The company finances equipment, vehicles, and software up to $5,000,000, with up to $250,000 available for qualified applicants under standard programs, and complements its direct lending business with a Vendor Programs referral channel that lets equipment sellers offer financing to their customers.
Product overview
FinCap is a financial services company offering a portfolio of three interconnected financing products: Equipment Financing (equipment, vehicles, and software financing/leasing), Vendor Programs (referral-based financing for equipment sellers), and Working Capital (short-term loans and merchant cash advances). The core offering centers on equipment financing, with vendor programs extending reach through channel partners, and working capital addressing broader business capital needs.
Differentiator
Problem solved
Functional benefit
Products and services
- Equipment Financing Equipment financing and equipment leasing services that enable U.S. small and medium-sized businesses to finance equipment, vehicles, and software with up to 100% financing, approvals in as little as 2 hours, and same-day turnaround, wrapping up financing within 24 hours for qualified applicants.
- Vendor Programs Referral-based partnership program that lets equipment vendors and sellers (selling equipment priced at $5,000 or more) offer financing options to their customers, with FinCap paying the vendor in full while the customer makes monthly payments to FinCap, including support for start-ups and credit-challenged buyers.
- Working Capital Short-term business loans, merchant cash advance programs, and other business capital options for U.S. small and medium-sized businesses needing quick access to working capital, with approvals typically in a few hours and cash deposited within a couple of days.
Quantifiable outcome
- 78% of businesses in the United States finance equipment for their business
- +1 more outcomes
Companies that use FinCap
Customer profileSegments3 records
Ideal customer profiles3 records
FinCap technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature2 records
FinCap partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- Equipment Vendors/SellerscoreVendor Programs partnership with equipment sellers throughout the United States. Vendors who sell equipment costing at least $5,000 partner with FinCap to offer financing options to their customers. FinCap works with customers who may have credit challenges or be start-ups, providing quick and honest approvals. Vendors receive notification when applications are received and are kept informed throughout the process.
Scale indicators2 records
Recent moves4 records
Expansion highlights4 records
FinCap competitors and assessment
Company assessmentEmerging players
- Fundbox: Fundbox is a digital SMB working capital and credit line provider. While focused more on invoice-based advances than equipment, it competes for the same SMB working capital demand that FinCap serves.
- Kiva U.S. Kiva provides crowdfunded small business loans to underserved borrowers, including start-ups. While the model (crowdfunded, 0% interest) differs, it competes for the same start-up and thin-file SMB borrower segment FinCap targets.
Direct peers
- Currency Capital: Currency Capital is an equipment financing marketplace/lender for SMBs, offering a similar range of ticket sizes and a vendor partner model. It overlaps FinCap's core equipment financing business directly.
- Balboa Capital: Balboa Capital provides equipment leasing, equipment financing, and working capital lines to US SMBs, closely mirroring FinCap's three-product portfolio. It also runs a vendor/SaaS partner program, making it a near-direct competitor in product set and GTM.
- National Funding: National Funding offers equipment financing, working capital loans, and merchant cash advances to SMBs — directly overlapping FinCap's product mix. It similarly emphasizes fast approvals and acceptance of borrowers with credit challenges.
- Direct Capital Corporation: Direct Capital is a direct competitor offering equipment financing and leasing to SMBs nationwide with deal sizes in similar ranges to FinCap. It targets the same equipment vendor channel partner model and emphasizes fast approvals.
- Smarter Finance USA: Smarter Finance USA is an SMB equipment financing and leasing lender with comparable ticket sizes and an underwriting approach that accepts start-ups and credit-challenged borrowers, directly overlapping FinCap's target segments.
- Crest Capital: Crest Capital is an equipment financing specialist serving SMBs across the US with similar ticket sizes and a focus on speed-to-decision. It competes head-to-head with FinCap in the same equipment vendor channel.
Broad incumbents
- OnDeck: OnDeck is a well-capitalized digital SMB lender offering working capital loans and equipment financing. It is a broader incumbent with stronger tech and balance sheet, competing for the same SMB borrower that FinCap serves.
- BlueVine: BlueVine provides SMB working capital, lines of credit, and invoice factoring. As a venture-backed fintech incumbent, it competes with FinCap's working capital product from a position of significantly greater capital and technology.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat3 records
Key risks5 records
Key highlights5 records
Customer concentration
FinCap social profiles
Digital presenceFinCap financial estimates
Financial estimateRevenue estimate
Valuation estimate
FinCap leadership team
Management profileNumber of profiles
Profiles1 record
FinCap funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
FinCap M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about FinCap
What does FinCap do?
FinCap provides equipment financing, equipment leasing, and short-term working capital solutions to U.S. small and medium-sized businesses through a one-page credit application that can deliver approvals in as little as 2 hours and same-day funding. The company finances equipment, vehicles, and software up to $5,000,000, with up to $250,000 available for qualified applicants under standard programs, and complements its direct lending business with a Vendor Programs referral channel that lets equipment sellers offer financing to their customers.
Is FinCap a public or private company?
FinCap is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was FinCap founded?
FinCap was founded in 2008. It employs 1 to 10 people.
Where is FinCap based?
FinCap is headquartered in Deerfield Beach, United States, in the North America region.
How does FinCap make money?
Four revenue lines are on record. Equipment Financing is the primary driver. The others are equipment Leasing, working Capital Loans and vendor Program Referrals.
Who are FinCap's main competitors?
Emerging players on record are Fundbox and Kiva U.S.. Direct peers are Currency Capital, Balboa Capital, National Funding, Direct Capital Corporation, Smarter Finance USA and Crest Capital. Broad incumbents are OnDeck and BlueVine.
Does FinCap have an API?
No public API is recorded for FinCap.
What industry is FinCap in?
FinCap's product category is Equipment Financing & Small Business Lending. Its primary akta.pro industry code is FSAGALAD, Embedded Lending & Credit (POS, Working Capital, Credit Lines). Its NAICS code is 52222 and its SIC code is 6159.