Name

LEAF Commercial Capital

Legal name

LEAF Commercial Capital, Inc.

Website

https://leafnow.com

Company type

Private

Founded year

2002

Operating status

Operating

Headcount range

251–500 employees

Ownership category

akta.pro rank

Product category

Equipment Finance

SIC

Finance Lessors (6172)

akta.pro primary industry

Distributor & Dealer Finance (Channel Financing) (FSABAHAE)

Keywords

• Equipment financing
• Equipment leasing
• Vendor financing
• Growth capital
• Dealer financing

Headquarters

HQ city

Philadelphia

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure, Supply Chain

Revenue model

1. Equipment Financing: LEAF provides financing for equipment acquisition, offering lease structures, loans, and customized payment solutions. Revenue is generated through interest income, origination fees, and lease payments from businesses acquiring equipment.
2. Growth Capital (CapitalNow): Short-term capital financing solutions with same-day approval for businesses. Revenue generated through interest and fees on short-term loans with terms ranging from 6 to 24 months.
3. Dealer Partnership Programs: LEAF generates revenue by enabling dealers to offer financing to their customers, creating recurring business through dealer networks across multiple industries including office products, hospitality, healthcare, and industrial machinery.
4. Structured Finance Programs: Customized finance programs designed for specific manufacturer and dealer needs, including Captive in the Cloud programs that help vendors drive sales through custom payment solutions.

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels6 records

Core offering

LEAF Commercial Capital originates equipment leases, equipment loans, and growth capital for businesses, distributed primarily through equipment dealer and vendor channels. It also operates the FinanceNOW dealer platform, the MyLEAFNow customer portal, and white-label captive-finance programs such as Captive in the Cloud for manufacturers and software providers.

Product overview

LEAF Commercial Capital operates as an equipment finance company offering a portfolio of financing solutions organized around two primary channels: Obtain Financing (EquipNow™ for equipment and technology financing, CapitalNow™ for growth capital) and Offer Financing (LEAF CapitalAlliance™ partnership program, FinanceNOW dealer platform, Captive in the Cloud™ manufacturer program, and Partner Technology Solutions suite). The core platform products are EquipNow™ for end customers seeking equipment/technology financing and CapitalNow™ for growth capital needs, supported by dealer-facing tools including the FinanceNOW platform for real-time applications and tracking, the MyLEAFNow customer portal for account management, and API integrations connecting to dealer CRM/ERP systems. The company positions itself as combining the agility of a specialty finance company with the stability of M&T Bank.

Differentiator

Problem solved

Functional benefit

Brands

• FinanceNOW: An easy-to-use online platform that provides industry-leading financing tools including quotes, applications, tracking, and reporting for dealers.
• Captive in the Cloud
• LEAF CapitalNow
• LEAF CapitalAlliance
• EquipNow

Products and services

• EquipNow
• EquipNow Technology Financing
• CapitalNow
• LEAF CapitalAlliance
• Captive in the Cloud

Quantifiable outcome

• 346,000+ businesses served since 2002
• +4 more outcomes

Named customers6 records

Segments7 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

Feature4 records

Partnerships

Three partnerships are on record, tiered minor.

• Association for Advancing AutomationminorOthersLEAF is a member of the Association for Advancing Automation (A3), the industry's leading automation association. This membership helps LEAF understand how automation customers buy and enables the company to build custom solutions that serve the automation industry effectively.
• Association of Equipment Distributors (AED)minorOthersLEAF is identified as an AED member, connecting with equipment distributors in the industrial machinery space to provide financing solutions for their customers.
• Business Technology Association (BTA)minorOthersLEAF has been a member of the Business Technology Association for 13 years, supporting office products dealers and demonstrating long-term commitment to the industry vertical.

Scale indicators9 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• GreatAmerica Financial Services: Large independent equipment finance company specializing in vendor/dealer channel financing across office equipment, technology, and industrial verticals. Closely comparable to LEAF in target customer (dealers) and product mix (leases, loans, growth capital).
• DLL (De Lage Landen): Global vendor-finance company owned by Rabobank, financing equipment, technology, and healthcare assets through manufacturer and dealer programs. Comparable to LEAF in its vendor-channel, white-label captive, and vertical-specialized origination model.
• Balboa Capital: Direct-to-SMB equipment finance and small-business lending company. Competes with LEAF in the U.S. equipment lease/loan market and offers similar point-of-sale financing tools to dealers and end customers.
• Direct Capital Corporation: U.S. equipment finance company offering leases and loans to middle-market and small businesses through vendor and direct channels. Closely comparable to LEAF in product scope and customer size.
• Currency Capital: Equipment finance marketplace connecting SMBs with lenders for equipment leases and loans. Overlaps with LEAF's direct channel and competes for similar end customers in mid-ticket equipment financing.
• North Star Leasing: Vendor-focused equipment finance company serving dealers across multiple verticals including office products, healthcare, and industrial. Comparable to LEAF in its dealer-channel model and vertical breadth.
• Stearns Bank Equipment Finance: Bank-affiliated equipment finance division offering lease and loan products through vendor and direct channels. Mirrors LEAF's bank-backed specialty finance positioning and SMB dealer focus.

Broad incumbents

• CIT Group (First Citizens Bank Equipment Finance): Large bank-owned equipment finance platform serving middle-market and enterprise customers across multiple asset classes. Overlaps with LEAF in commercial equipment finance but at a much larger scale and broader portfolio.
• Wells Fargo Equipment Finance: Bank-owned equipment finance platform offering leases and loans to mid-market and enterprise customers. Competes with LEAF in the vendor channel and on larger-ticket equipment transactions.
• TIAA Bank Equipment Finance: Bank-affiliated equipment finance platform serving mid-market and corporate customers with a wide range of asset finance products. Competes with LEAF in the bank-backed equipment finance segment.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/236329
• LinkedInlinkedin.com/company/leaf-commercial-capital-inc-
• Xx.com/LEAFCommercial

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 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 LEAF Commercial Capital