Currency
Currency is a licensed fintech broker (legal entity Express Tech-Financing, LLC) that connects borrowers with a 30+ lender network to finance equipment, trucks, trailers, and aircraft across the U.S. and Canada via its CurrencyFinance and CurrencyAir divisions under Sandhills Global.
- Company typePrivate
- Founded2001
- HeadquartersScottsdale, United States
- Headcount101–250
- GTM typeB2B
- OfferingSoftware
What Currency does
Currency is a private fintech company headquartered in Scottsdale, Arizona, that operates as the financial technology arm of Sandhills Global. Founded in 2001, the company functions as a licensed loan broker (NMLS ID 1857954; legal entity Express Tech-Financing, LLC) connecting borrowers with a network of 30+ lending partners across the U.S. and Canada. Its business is organized into two core platforms: CurrencyFinance, which finances heavy equipment, farm machinery, commercial trucks, trailers, forestry equipment, and adjacent asset categories such as boats, RVs, and motorsports; and CurrencyAir, which specializes in aircraft financing including older models that most competitors decline.
The underlying platform is an online application flow (app.gocurrency.com) that performs soft credit pull pre-qualification without impacting the applicant's credit score, then matches the borrower with lenders based on credit profile, asset type, and deal size. CurrencyFinance supports equipment loans up to $500,000 with terms up to 72 months and rates typically between 7% and 20%, while CurrencyAir supports aircraft loans starting at $25,000 with terms up to 20 years and rates in the 6.25%–8.99% range. A complementary cloud-based dealer portal enables point-of-sale co-filling of applications and real-time deal monitoring at no cost to the dealership, and Currency is integrated as the trusted finance partner across more than a dozen Sandhills Global-owned marketplaces including MachineryTrader, TractorHouse, TruckPaper, AuctionTime, and Controller.
The revenue model is a transaction/referral fee model: Currency earns fees from its lending partners for originated and funded loans, while the service is free for dealers to offer at the point of sale and free for borrowers to apply. Go-to-market is sales-led, combining direct online applications with channel partnerships (dealer POS, marketplace integrations) and content marketing via an educational blog, loan calculators, and trade show presence. Compliance credentials include SOC 2 Type 2 certification, BBB A+ accreditation, and membership in AACFB, NEFA, and ELFA. Currency has cumulatively served more than 225,000 businesses and facilitated over $1.4 billion in equipment financing plus $270 million+ in aircraft financing, with a headcount in the 75–250 range.
Currency firmographics
Firmographics- Name
- Currency
- Legal name
- Express Tech-Financing, LLC
- Website
- https://gocurrency.com
- Company type
- Private
- Founded year
- 2001
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- Currency is a licensed fintech broker (legal entity Express Tech-Financing, LLC) that connects borrowers with a 30+ lender network to finance equipment, trucks, trailers, and aircraft across the U.S. and Canada via its CurrencyFinance and CurrencyAir divisions under Sandhills Global.
- Ownership category
- akta.pro rank
Where Currency is headquartered
LocationHeadquarters
- HQ city
- Scottsdale
- HQ country
- United States
- HQ region
- North America
Offices2 records
Markets served
Currency business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Personnel, Technology or R&D, Marketing or Sales, Operations, Infrastructure
Revenue model
- Financing Facilitation Fees: Currency facilitates financing between borrowers and lenders, earning revenue through referral fees or transaction fees from lenders in their network. The service is free for dealers to offer point-of-sale financing to their customers.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| One time/ perpetual license | Pay-as-you-go | Equipment financing up to $500,000 with repayment terms up to 72 months |
| One time/ perpetual license | Pay-as-you-go | Aircraft financing starting at $25,000 with up to 20-year loan terms |
| Other | Pay-as-you-go | Interest rates range from 7% to 20% depending on creditworthiness |
Go-to-market motion2 records
Distribution channels3 records
Marketing channels6 records
Currency product offering
Product offeringCore offering
Currency is a fintech platform that facilitates financing for high-value assets by connecting borrowers with a network of 30+ lending partners through online applications and dealer point-of-sale integrations. It operates two divisions: CurrencyFinance (equipment, trucks, trailers, farm machinery, RVs, boats up to $500,000) and CurrencyAir (aircraft loans starting at $25,000 with up to 20-year terms, including older aircraft from 1950 onward). The company earns transaction and referral fees from lenders for facilitating these loans.
Product overview
Currency is a fintech company operating two core financing platforms under its umbrella brand. CurrencyFinance handles equipment and commercial vehicle financing (trucks, trailers, heavy machinery, farm equipment, RVs, boats, motorsports), while CurrencyAir specializes in aircraft financing. The company also offers supplementary tools including loan calculators, document checklists, buyer guides, a dealer portal for point-of-sale financing, and a referral bonus program. Both platforms connect buyers with a network of 30+ lenders to find competitive rates and terms.
Differentiator
Problem solved
Functional benefit
Products and services
- CurrencyFinance
Quantifiable outcome
- Businesses can receive financing approval within hours, with some same-day funding examples documented
- +3 more outcomes
Companies that use Currency
Customer profileNamed customers12 records
Segments6 records
Ideal customer profiles6 records
Currency technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature4 records
Currency partnerships and signals
Strategic signalPartnerships
16 partnerships are on record, tiered core and minor.
- AuctionTimecoreCurrency is the trusted point-of-sale financing partner of AuctionTime for buying and selling heavy machinery, trucks, and trailers through online auctions. CurrencyFinance expedites loan review and approval in the days before sales.
- MachineryTradercoreCurrency is a trusted equipment financing partner of MachineryTrader, connecting buyers with financing options for heavy machinery purchases listed on the platform.
- TractorHousecoreCurrency is a trusted equipment financing partner of TractorHouse for farm and agricultural equipment financing, helping buyers secure loans for tractors, combines, and other ag machinery.
- TruckPapercoreCurrency is a trusted point-of-sale financing partner of TruckPaper for commercial truck and trailer sales, enabling buyers to secure financing quickly.
- ForestryTraderminorCurrency is a trusted financing partner of ForestryTrader for timber and forestry equipment financing including skidders, feller bunchers, and logging equipment.
- ControllercoreCurrencyAir is a trusted finance partner of Controller.com for aircraft sales, providing financing solutions for buyers shopping on the platform.
- Aircraft.comcoreCurrencyAir is a trusted finance partner of Aircraft.com, enabling aircraft buyers on the platform to access competitive financing options.
- AircraftCostCalculatorcoreCurrencyAir is a trusted partner of AircraftCostCalculator, an intelligent web-based application providing accurate projections for all ownership and operation costs. Currency recommends this tool to help buyers plan for aircraft purchases.
- EquipmentfactsminorCurrency is the trusted point-of-sale financing partner of Equipmentfacts for simulcast live auctions of heavy machinery, trucks, and trailers.
- CraneTraderminorCurrency is a trusted point-of-sale financing partner of CraneTrader for crane and lifting equipment sales.
- OilFieldTraderminorCurrency is a trusted point-of-sale financing partner of OilFieldTrader for oilfield equipment financing.
- LiftsTodayminorCurrency is a trusted point-of-sale financing partner of LiftsToday for lift and aerial work platform equipment financing.
- PavingEquipmentminorCurrency is a trusted point-of-sale financing partner of PavingEquipment for paving and asphalt equipment financing.
- AACFB (American Association of Commercial Finance Brokers)minorCurrency is a member of AACFB, an industry association for commercial finance brokers providing networking, education, and best practices.
- NEFA (National Equipment Finance Association)minorCurrency is a member of NEFA, a national association supporting the equipment finance industry through education, networking, and advocacy.
- ELFA (Equipment Leasing and Finance Association)minorCurrency is a member of ELFA, the equipment leasing and finance industry's trade association providing education, research, and advocacy.
Scale indicators7 records
Recent moves6 records
Expansion highlights6 records
Currency competitors and assessment
Company assessmentDirect peers
- Lendio: Lendio operates a similar SMB loan marketplace that matches borrowers with a network of lending partners across multiple equipment and working-capital products, directly mirroring Currency's lender-aggregation model.
- National Funding: National Funding provides equipment financing and working capital to SMBs with an online application flow and soft-pull pre-qualification, closely mirroring Currency's customer experience and credit approach.
- Balboa Capital: Balboa Capital is a direct equipment financing specialist serving SMBs across verticals that overlap with CurrencyFinance's truck, trailer, and equipment book, including point-of-sale dealer programs.
- Fundera (NerdWallet Business): Fundera (now part of NerdWallet) is an SMB financing marketplace connecting businesses to lenders across working capital, term loans, and equipment financing — highly comparable in business model and target customer.
- Apple Capital Group: Apple Capital Group specializes in commercial truck and trailer financing for owner-operators and small fleets, directly competing with CurrencyFinance's trucking vertical.
Emerging players
- AOPA Aviation Finance: AOPA Aviation Finance is an aviation-specific lender for individual pilots and small operators, directly overlapping with CurrencyAir's piston and light-turboprop focus.
- Behalf: Behalf provides embedded SMB financing through software partners, competing for the same dealer-channel distribution that Currency invests in via its POS integrations.
Broad incumbents
- Wells Fargo Equipment Finance: Wells Fargo's equipment finance division serves mid-market and SMB equipment lessees at scale with a balance-sheet-funded model, representing the broader incumbent competition Currency navigates against.
- Caterpillar Financial Services: Cat Financial is the captive finance arm of Caterpillar, offering subsidized equipment financing directly to construction buyers — a benchmark competitor in CurrencyFinance's heavy equipment vertical.
- CIT (First Citizens Bank Equipment Finance): CIT, now part of First Citizens, is a major direct equipment lessor with deep vendor and dealer relationships, competing across many of the same verticals Currency serves.
Market position
Strengths4 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights6 records
Customer concentration
Currency social profiles
Digital presenceCurrency financial estimates
Financial estimateRevenue estimate
Valuation estimate
Currency leadership team
Management profileNumber of profiles
Profiles1 record
Currency subsidiaries and ownership
Company hierarchySubsidiaries2 records
Currency funding detail
Funding detailFunding overview
Funding rounds2 records
Investors2 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Currency 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 Currency
What does Currency do?
Currency is a fintech platform that facilitates financing for high-value assets by connecting borrowers with a network of 30+ lending partners through online applications and dealer point-of-sale integrations. It operates two divisions: CurrencyFinance (equipment, trucks, trailers, farm machinery, RVs, boats up to $500,000) and CurrencyAir (aircraft loans starting at $25,000 with up to 20-year terms, including older aircraft from 1950 onward). The company earns transaction and referral fees from lenders for facilitating these loans.
Is Currency a public or private company?
Currency is a private company. It is classified as corporate owned and is currently operating.
When was Currency founded?
Currency was founded in 2001. It employs 101 to 250 people.
Where is Currency based?
Currency is headquartered in Scottsdale, United States, in the North America region.
How does Currency make money?
One revenue line is on record: financing Facilitation Fees.
Who are Currency's main competitors?
Direct peers on record are Lendio, National Funding, Balboa Capital, Fundera (NerdWallet Business) and Apple Capital Group. Emerging players are AOPA Aviation Finance and Behalf. Broad incumbents are Wells Fargo Equipment Finance, Caterpillar Financial Services and CIT (First Citizens Bank Equipment Finance).
Does Currency have an API?
No public API is recorded for Currency.