Channel Partners Capital

What Channel Partners Capital does

Channel Partners Capital is a privately held B2B specialty lender founded in 2009 and headquartered in Minnetonka, Minnesota. The company provides equipment finance (ticket sizes $10,000-$250,000, terms of 12-72 months) and working capital financing ($10,000-$400,000, terms of 6-24 months) exclusively through partnerships with independent equipment finance companies rather than lending directly to businesses. Under its equipment finance umbrella, Channel offers product variants including Equipment Credit Lines, Channel MAX10 (a capped 10% FMV lease), Channel Structured FMV leases with tiered terms, and a Bundled Working Capital attachment designed to sit alongside equipment finance deals.

The platform is operated through a tech and data-enabled partner portal that supports credit decisions in under four hours and same-day funding once documents are received. The company maintains an internal Risk & Decision Sciences function and a dedicated Data & AI Platforms group, with technology investments focused on integration interoperability and data security infrastructure (TLS 128-bit encryption, firewalls, physical access controls). The go-to-market is purely channel-based: marketing and lead generation run through industry associations (ELFA, NEFA), partner case studies, and a partner dashboard; borrowers are referred to trusted finance company partners via a referral form.

Since founding, Channel has funded more than $3.7 billion to over 40,000 businesses across 60,000+ transactions in industries including construction, manufacturing, landscaping, restaurant, medical/dental, transportation, and gym/fitness, with portfolio lending across 19 states and offices in Minnesota, Georgia, Iowa, and New Jersey. Revenue mechanics are interest spreads plus origination and servicing fees, funded through a combination of warehouse credit facilities and ABS securitizations (eight completed to date, including a $205 million equipment finance-backed issuance in May 2026 that was approximately four-times oversubscribed). In April 2025, Onset Financial acquired Channel, and subsequently a majority equity investment was made by funds advised by Elliott Management Corporation.

Name

Channel Partners Capital

Legal name

Channel Partners Capital, LLC

Website

https://channelpartnerscapital.com

Company type

Private

Founded year

2009

Operating status

Operating

Headcount range

101–250 employees

Short description

Channel Partners Capital is a B2B specialty lender that provides equipment finance and working capital solutions exclusively through equipment finance company partners, serving small and mid-sized businesses across construction, manufacturing, healthcare, and other equipment-intensive industries in the United States.

Ownership category

akta.pro rank

Product category

Equipment Finance & Working Capital Lending

NAICS

Sales Financing (52222)

SIC

Finance Lessors (6172), Short-Term Business Credit Institutions (6153)

akta.pro primary industry

SME Lending & Working Capital Platforms (FSAGAJAA)

akta.pro secondary industry

Distributor & Dealer Finance (Channel Financing) (FSABAHAE)

Keywords

• Equipment finance solutions
• Working capital lending
• Small business financing
• Partner-based lending
• Specialty commercial finance

Headquarters

HQ city

Maple Grove

HQ country

United States

HQ region

North America

Offices5 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 Finance: Provides financing solutions for equipment acquisition ranging from $10,000-$250,000 with terms of 12-72 months. Serves industries including construction, manufacturing, landscaping, restaurant, medical, dental, and gym/fitness through partner finance companies.
2. Working Capital Financing: Provides working capital solutions for small and mid-sized businesses ranging from $10,000-$400,000 with terms from 6-24 months. Used for project financing, inventory, bridging receivables, expansion, renovations, marketing, and general business expenses.

Pricing tiers

Go-to-market motion2 records

Distribution channels1 record

Marketing channels4 records

Core offering

Channel Partners Capital is a B2B specialty finance lender that provides single-source equipment finance and working capital solutions exclusively through independent equipment finance company partners (it does not lend directly to borrowers). Through this partner channel, SMBs can access equipment financing ($10,000–$250,000, 12–72 months) and working capital ($10,000–$400,000, 6–24 months) supported by a tech-and-data-enabled origination, credit decisioning, and partner servicing platform.

Product overview

Channel Partners Capital operates as a partnership-based lending platform that provides a unified portfolio of equipment finance and working capital solutions exclusively through finance company partnerships. The core product suite consists of Equipment Finance (offering ticket sizes from $10,000-$250,000 with terms of 12-72 months) and Working Capital (financing from $10,000-$400,000). Under Equipment Finance, the company offers three distinct product variants: Equipment Credit Line (ECL) for flexible credit access, Channel MAX10 featuring capped 10% FMV options, and Channel Structured FMV with tiered term and payment structures. Working Capital solutions include Bundled Working Capital (an add-on attachment to equipment finance) and a Recurring Revenue program for renewal management. All products are distributed exclusively through independent equipment finance company partners, enabling Channel to serve small and medium-sized businesses across diverse industries including construction, manufacturing, landscaping, restaurant, medical, dental, and transportation.

Differentiator

Problem solved

Functional benefit

Brands

• Equipment Credit Line (ECL): Lines of credit that offer increased funding and allow for additional equipment purchases when needed. Supports multiple equipment purchases.
• Channel MAX10
• Channel Structured FMV
• Bundled Working Capital

Products and services

• Equipment Finance Equipment financing solutions that enable SMBs (accessed through equipment-finance-company partners) to acquire new or used equipment across industries including construction, manufacturing, landscaping, restaurant, medical, dental, gym/fitness, and transportation. Risk-based pricing on ticket sizes from $10,000 to $250,000, terms of 12 to 72 months, with credit decisions returned in under 4 hours.
• Working Capital Short-term working capital financing for SMBs (accessed through partner finance companies) for project financing, inventory, bridging receivables, expansion, renovations, marketing, and general business expenses. Financing ranges from $10,000 to $400,000 with flexible 6–24 month terms, draw flexibility (use as little or as much of approved amount as needed), and same-day funding possible once documents are received.
• Equipment Credit Line (ECL) Lines of credit offering increased funding flexibility that allow Channel partners' customers to make multiple equipment purchases when needed under a single credit arrangement. Available only through partner finance companies.
• Channel MAX10 A lease product providing equipment-finance partners' customers with end-of-term options to renew, return, or purchase the equipment at a capped 10% fair market value (FMV), giving flexible exit strategies and additional commission opportunities for partners.
• Channel Structured FMV A lease option with 60/50/40 month terms and respective 6/5/4 month structured FMV payment options, providing flexibility for customers to own, renew, or return equipment at end of term.
• Bundled Working Capital
• Recurring Revenue Program

Quantifiable outcome

• $3.7 billion in financing to 40,000+ businesses since 2009
• +2 more outcomes

Named customers6 records

Segments3 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Scale indicators6 records

Recent moves6 records

Expansion highlights6 records

Broad incumbents

• Onset Financial: Channel's parent company following the April 2025 acquisition. Onset Financial is one of the largest independent equipment leasing companies in the U.S., having financed ~$5B in leases prior to the acquisition. Directly comparable product set (equipment leasing) and overlapping customer base of SMBs, with Channel now operating as a subsidiary.
• GreatAmerica Financial Services: One of the largest independent equipment finance vendors/leasing companies in the U.S., serving SMBs across verticals including construction, healthcare, and manufacturing. Cindy Fleck and Carl Frasse previously held senior roles at GreatAmerica, making it a strong comparable for Channel's portfolio and channel model.
• DLL (De Lage Landen): Global vendor finance and equipment leasing company serving SMB and mid-market customers. Rob Ceribelli (Channel's President) previously spent 20+ years at DLL (De Lage Landen), and the firm offers overlapping equipment finance products in the U.S. through vendor and dealer partnerships.
• First Citizens Bank (formerly CIT): Large commercial bank with a significant equipment finance and SMB lending franchise post-CIT acquisition. Comparable in product breadth (equipment finance + working capital) and target market, with Channel's Treasurer (Mike McConnell) previously leading treasury at First Citizens/CIT.

Direct peers

• LEAF Commercial Capital: Specialty equipment finance lender serving SMBs through vendor and dealer channels. Compares to Channel in ticket size range, vertical focus, and third-party-originated business model. Robert Moskovitz, Channel's new CFO, was previously CFO at LEAF.
• Verdant Commercial Capital: Independent equipment finance company providing leases and loans to SMBs across industries, with an emphasis on third-party origination and partner relationships. Closely matches Channel's equipment finance focus and SMB end-customer profile. Channel's CFO previously led Verdant as CFO.
• TimePayment: Specialty equipment financing company focused on small-ticket leases ($5K–$250K) for SMBs, distributed through vendor and dealer partnerships. Closely aligned with Channel's ticket size, vertical mix, and partner-led distribution model.
• Currency Capital: Equipment finance marketplace and lender connecting SMB borrowers with equipment financing partners. Comparable ticket sizes and SMB customer base, with a partner-oriented go-to-market approach similar to Channel's model.

Emerging players

• BlueVine: Digital SMB working capital and line-of-credit provider. While distribution is direct-to-borrower rather than partner-led, BlueVine competes in the same SMB working capital segment (~$10K–$400K tickets) that Channel addresses through its Bundled Working Capital product.
• Fundbox: Tech-enabled SMB working capital platform offering lines of credit and short-term financing. Overlaps with Channel's Working Capital product in ticket size and SMB focus, representing an emerging fintech alternative in the same competitive set.

Market position

Strengths1 record

Weaknesses1 record

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/channelpartnerscapital

Revenue estimate

Valuation estimate

Number of profiles

Profiles14 records

Funding overview

Funding rounds1 record

Investors1 record

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 Channel Partners Capital