What PEAC Solutions does

PEAC Solutions is a multinational asset finance provider offering equipment leasing, sales financing, and complementary banking services to businesses across 13 countries in the US, UK, and continental Europe. The company was founded in 1972 and is wholly owned by HPS Investment Partners LLC, a global investment firm managing approximately $95 billion in assets; it reports more than 800 employees and a portfolio exceeding $6 billion USD. Its two core products are Leasing (operating and finance leases) and Sales Financing (vendor and dealer financing at the point of sale), supported by the WebPal digital customer portal, Post Ident digital onboarding, and PEAC Bank savings accounts. In 2025 the group expanded through acquisitions of Berlin-based fintech topi (embedded finance and Hardware-as-a-Service capabilities), PEAC US Capital, and PEAC Public Sector, and in February 2026 closed a $680.8 million asset-backed securitization backed by equipment leases and loans.

The business model is relationship-driven: PEAC originates primarily through Vendor Partnership Programs with manufacturers, dealers, and distributors, and through direct financing requests processed by regional teams in 11 European countries plus the UK and US. Revenue is generated from interest income, lease payments, and transaction-based take rates on vendor financing, with portfolio funding supported by ABS issuance and parent-company capital. The customer base is distributed across at least four primary verticals—Healthcare and Fitness, Construction/Transportation/Industrial, Office Technology and Furniture, and E-Mobility and Renewable Energy—serving both mid-market and enterprise end-customers, with over $1.1 billion financed in e-mobility to date as a notable growth pocket.

Technically, the platform rests on digital origination and servicing tools (WebPal, Post Ident, vendor partnership request workflows) and was extended in 2025 with the topi acquisition to add embedded finance and HaaS integration capabilities. The company emphasizes a behavioral underwriting approach—analyzing how equipment fits within customer business plans and usage patterns—as a differentiator from traditional bank binary credit assessment. Governance and capital backing flow from HPS Investment Partners, and the 2023 rebranding to PEAC Solutions (Pan-European Americas Capital Solutions) consolidated the formerly separate PEAC UK, PEAC Europe, and PEAC USA entities into a single global brand.

Name

PEAC Solutions

Legal name

PEAC Solutions

Website

https://peacfinance.de

Company type

Private

Founded year

1972

Operating status

Operating

Headcount range

501–1,000 employees

Short description

PEAC Solutions is a multinational equipment leasing and sales financing provider serving mid-market and enterprise customers across 13 countries, owned by HPS Investment Partners, with a $6B+ portfolio and 800 employees.

Ownership category

akta.pro rank

Product category

Equipment Finance and Leasing

NAICS

Sales Financing (52222)

SIC

Miscellaneous Business Credit Institution (6159), Savings Institution, Federally Chartered (6035)

akta.pro primary industry

Secured Microloans (Community/Nonprofit, Collateralized) (FSAKALAJ)

akta.pro secondary industry

Risk, Compliance & Controls for Embedded Finance (KYB/KYC/AML, Fraud, Disputes) (FSAGALAK)

Keywords

• Equipment financing
• Equipment leasing
• Vendor financing
• Sales financing
• Asset finance

Headquarters

HQ city

Hamburg

HQ country

Germany

HQ region

Europe

Offices11 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: Operating leases and finance leases for equipment acquisition across multiple industries including healthcare, construction, office technology, and e-mobility. Revenue generated through interest income and lease payments over the term of agreements.
2. Sales Financing: Financing solutions for vendors and dealers to support equipment sales. Provides working capital and preserves customer liquidity while enabling equipment acquisitions.
3. Asset-Backed Securitization: Structured financing through ABS deals to fund portfolio growth. Completed $680.8M securitization in early 2026 backed by equipment leases and loans.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels4 records

Core offering

PEAC Solutions provides equipment financing and leasing solutions to businesses, vendors, manufacturers, dealers, and distributors across 13 countries. Its two core offerings are Sales Financing (working capital and customer liquidity support for vendors) and Leasing (operating and finance leases for equipment acquisition), complemented by the WebPal digital portal, Post Ident onboarding, and PEAC Bank savings accounts. The company applies behavioral underwriting and serves verticals including healthcare, construction, office technology, and e-mobility.

Product overview

PEAC Solutions is a multinational asset finance provider offering a unified platform of financing solutions across 13 countries. The portfolio includes two core products—Sales Financing and Leasing—complemented by the WebPal digital customer portal and PEAC Bank savings accounts. The company has expanded through acquisitions including topi (German fintech for HaaS/embedded finance), PEAC US Capital, and PEAC Public Sector, all operating under the Pan-European Americas Capital Solutions umbrella. PEAC serves five key industry verticals: Healthcare and Fitness, Construction/Transportation/Industrial, Office Technology and Furniture, Direct Sales, and E-Mobility and Renewable Energy.

Differentiator

Problem solved

Functional benefit

Products and services

• WebPal PEAC Solutions' digital customer and partner portal providing web-based access for managing financing and leasing accounts, including financing request submission, vendor partnership management, and account services for existing customers.
• PEAC Bank Savings Accounts Savings account offerings provided through PEAC Bank, enabling customers to access banking services including online banking through the PEAC Bank platform.
• Sales Financing Financing solutions that preserve customer liquidity and include precisely calculable costs, providing working capital support to vendors and dealers for equipment sales. Includes added value services, process and realization support, international sales financing, and insurance solutions.
• Leasing Equipment leasing solutions including standard leasing offerings, project financing, and insurance solutions tailored to business needs. Covers healthcare, construction, office technology, and e-mobility equipment leasing across 13 countries.
• Insurance Solutions Insurance solutions bundled with sales financing and leasing offerings, providing risk protection for financed equipment across all supported verticals.

Quantifiable outcome

• Financed more than $1.1 billion USD in e-mobility solutions for partners and customers
• +1 more outcomes

Named customers5 records

Segments5 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

One partnership is on record.

• topicoreTechnology or Integration · 28 August 2025Berlin-based fintech topi was acquired by PEAC Solutions to enhance digital transformation and expand HaaS (Hardware as a Service) offerings. The acquisition aims to advance embedded finance solutions and strengthen PEAC's presence across Europe, with topi continuing operations from Berlin.

Scale indicators7 records

Recent moves7 records

Expansion highlights6 records

Direct peers

• BNP Paribas Leasing Solutions: European bank-affiliated equipment leasing business offering vendor and direct financing across multiple European countries. Directly comparable to PEAC's European equipment finance operations, including industry specialization and vendor partnership distribution model.
• Mercedes-Benz Financial Services: Captive equipment/vehicle finance arm providing leasing and financing across multiple European markets. Comparable vendor partnership-driven model and equipment finance capability.
• Mitsubishi HC Capital (formerly Hitachi Capital): Global equipment finance and leasing company with significant European and US operations. Highly comparable to PEAC's multi-country equipment leasing model, vendor partnership approach, and broad industry vertical coverage.
• Siemens Financial Services: Captive equipment finance arm serving industrial, healthcare, and energy customers. Comparable to PEAC's healthcare, industrial, and e-mobility verticals, with similar project financing and asset lifecycle expertise.
• DLL Group: Rabobank-owned global equipment finance and vendor finance specialist operating across multiple asset categories including healthcare, construction, and office technology. Highly comparable to PEAC in business model (vendor partnership + leasing), vertical focus, and global reach.
• Baloise Insurance (Baloise Asset Finance): Swiss-based insurer with equipment leasing and finance operations across Europe. Comparable vendor partnership model and similar equipment financing offerings in healthcare, construction, and industrial categories.
• Societe Generale Equipment Finance: Bank-affiliated equipment finance business with European footprint serving vendor and corporate clients. Comparable to PEAC's European operations and direct financing model.

Emerging players

• Stripe Capital / Parafin: Embedded finance providers enabling platforms to offer financing products (such as loans and lines of credit) to end customers. Comparable to PEAC's emerging embedded finance direction via the topi acquisition, though operating in different end markets (SMB lending).

Broad incumbents

• Crédit Agricole Leasing & Factoring: Bank-affiliated European equipment finance and factoring business. Comparable to PEAC's European footprint and equipment finance focus, but operates as part of a broader universal bank offering.

Regional players

• North Star Leasing (subsidiary of Toronto-Dominion Bank): US-focused equipment leasing company serving small and mid-sized businesses across multiple industries. Comparable to PEAC's US operations via PEAC US Capital, particularly in vendor financing and small-ticket leasing.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights6 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Subsidiaries3 records

Funding overview

Funding rounds

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 PEAC Solutions