Amur

What Amur does

Amur Equipment Finance, founded in 1996 and headquartered in Grand Island, Nebraska, is a privately held, independent direct lender that originates equipment financing transactions for small and mid-sized businesses across the United States. The company operates through two core product structures — Equipment Finance Agreements (EFAs), under which the customer retains title and Amur holds a security interest, and Finance Leases (capital leases) with end-of-term purchase options — supported by vertical-specific programs such as the Construction Program and Tow Program, and tooling including a Section 179 Calculator. Transaction sizes range from $20,000 to $5 million with 36-84 month terms, and Amur advertises funding within 24-48 hours of approval and zero-down options for qualified buyers.

Its origination engine runs on a proprietary, purpose-built processing platform featuring the 'Amur Intelligence Core', an AI-enabled layer that automates credit processing steps with retained human oversight, reportedly cutting processing times by 20-25%. Amur distributes through a multi-channel go-to-market comprising a 15,000+ vendor, dealer, manufacturer, and broker partner network, a website-direct application portal (GoAmur.com), and an inside sales team, with a Partner Portal and a recently upgraded Customer Center providing self-service account management. The company reports origins from over 120,000 lifetime customers, an annual origination capacity exceeding $1.5 billion, and operations out of six US offices spanning Grand Island, Mission Viejo, Rapid City, Southlake, Dover, and White Plains. Headcount is approximately 300 employees, and capital markets activity is evidenced by at least 13 term securitization transactions completed through January 2024.

Name

Amur

Legal name

Amur Equipment Finance, Inc.

Website

https://goamur.com

Company type

Private

Founded year

1996

Operating status

Operating

Headcount range

101–250 employees

Short description

Amur Equipment Finance is a privately held, independent US equipment lender founded in 1996 that originates Equipment Finance Agreements and Finance Leases from $20K to $5M for small and mid-sized businesses across construction, manufacturing, transportation, specialty vehicles, and franchise verticals via a 15,000+ vendor and broker channel and a proprietary processing platform.

Ownership category

akta.pro rank

Product category

Equipment Finance / Commercial Lending

NAICS

Sales Financing (52222), Sales Financing (522220)

SIC

Finance Lessors (6172)

akta.pro primary industry

Equipment & Asset Finance (SME) (FSAKAGAF)

akta.pro secondary industry

SME Equipment & Asset Finance (Leasing, Fleet, Capex) (FSABABAH)

Keywords

• Equipment financing
• Finance leases
• Small business lending
• Vendor financing programs
• Commercial equipment loans

Headquarters

HQ city

Grand Island

HQ country

United States

HQ region

North America

Offices6 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Technology or R&D, Operations, Marketing or Sales

Revenue model

1. Equipment Financing - Finance Leases: Finance leases (capital leases) where the leasing company retains ownership of equipment during the lease term. At end of lease term, customer has option to purchase equipment for $1.00 or pre-agreed fixed price. Customers can take advantage of ownership benefits including depreciation allowances and Section 179 Tax Deduction. Monthly payments cannot be expensed as with operating leases.
2. Equipment Finance Agreements (EFAs): Straight finance programs where customer retains title to equipment and finance company has security interest. No purchase option at end. Customers can take advantage of ownership benefits including depreciation allowances and Section 179. Alternative to bank financing with easier approval, flexible structure, and minimal down payments.

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels5 records

Core offering

Amur Equipment Finance is a direct lender providing equipment financing solutions to small and mid-sized businesses through two core products: Equipment Finance Agreements (EFAs) and Finance Leases. Loans range from $20,000 to $5 million with terms of 36–84 months and funding within 24–48 hours. The company distributes financing directly via its website and inside sales team, and indirectly through a channel network of more than 15,000 equipment vendors, dealers, manufacturers, and brokers.

Product overview

Amur Equipment Finance is a direct lender offering two core equipment financing products — Equipment Finance Agreements (straight finance with security interest) and Finance Leases (capital leases with purchase option) — supported by a proprietary tech-enabled processing platform. The platform includes customer-facing and partner-facing digital portals (Customer Center and Partner Portal) for account management, deal submission, and status tracking. Amur also offers supplementary financial tools including a Section 179 Calculator for tax planning, along with industry-specific programs such as the Construction Program and Tow Program, all designed to support equipment-intensive businesses across construction, transportation, manufacturing, franchise, and specialty vehicle sectors.

Differentiator

Problem solved

Functional benefit

Products and services

• Equipment Finance Agreement (EFA) A straight finance product where the borrower retains title to the equipment while Amur holds a security interest. No purchase option at end of term. Designed as an alternative to bank financing with easier approval, flexible structure, and minimal down payments.
• Finance Lease A capital lease product where Amur retains ownership of the equipment during the lease term, with the customer having the option to purchase the equipment at the end of the term for a pre-agreed fixed price. Customers can claim ownership tax benefits such as Section 179.
• Construction Program A specialized financing program for construction equipment featuring options such as $99/month initial payments, zero-down financing, and flexible payment structures aligned with project cash flows.
• Tow Program A custom-designed financing program for tow truck operators that offers streamlined approvals, zero-down options, and flexible terms including balloon payment structures.
• Customer Center An online self-service portal where customers can manage accounts, track payments, view balances, request payoff letters, update information, and access billing 24/7.
• Partner Portal A web portal for vendor partners and brokers to submit applications, track deal status, access financing tools, marketing materials, and manage transactions with Amur.
• Section 179 Calculator An online calculator that helps businesses estimate potential tax savings from Section 179 deductions and 100% bonus depreciation when purchasing and financing equipment.

Quantifiable outcome

• Credit processing times reduced by 20-25 percent through Amur Intelligence Core
• +3 more outcomes

Named customers10 records

Segments6 records

Ideal customer profiles6 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability1 record

Feature2 records

Partnerships

Five partnerships are on record, tiered core and minor.

• Fontana Truck CentercoreChannel Partner/ Reseller/ Distributor · 14 August 2024Fontana Truck Center is a truck dealer that brings financing opportunities to Amur. They have completed multiple transactions with Amur, praising the ability to get $0 down deals approved, fast turnaround times, and smooth deal completion process.
• DTM PackagingcoreChannel Partner/ Reseller/ DistributorDTM Packaging is a packaging equipment dealer that partners with Amur for customer financing. They met Amur at a packaging show and have been working together for four years, offering complete bottling and packaging line solutions including financing.
• Equipment Vendors and Dealers NetworkcoreChannel Partner/ Reseller/ DistributorAmur has established relationships with over 15,000 equipment vendors, dealers, and manufacturers across diversified markets in the United States. These partners refer customers seeking equipment financing to Amur.
• Equipment Financing BrokerscoreChannel Partner/ Reseller/ DistributorAmur works with wholesale equipment financing brokers who originate transactions and bring them to Amur for funding. The company offers broker partnerships and referral programs.
• Medical Equipment Financing Market ParticipantsminorOthersAmur is mentioned as a participant in the medical equipment financing market alongside GE Healthcare Financial Services and Siemens Financial Services, though specific partnership details are not detailed.

Scale indicators8 records

Recent moves6 records

Expansion highlights7 records

Direct peers

• GreatAmerica Leasing Corporation: One of the largest independent equipment finance and leasing companies in the US, closely matching Amur's independent model, vertical breadth (manufacturing, transportation, construction), and SMB focus. Like Amur, GreatAmerica combines direct origination with vendor and broker channels.
• Balboa Capital: Direct lender providing equipment financing and leasing to small and mid-sized businesses across the US, with a multi-channel partner and broker-driven origination model. Similar customer segment, ticket size range, and channel-led approach to Amur.
• Verdant Commercial Capital: Independent equipment finance provider focused on small and mid-sized businesses across vertical markets including transportation, construction, and specialty equipment. Closely comparable in customer profile, ticket size, and channel-led origination.
• Crest Capital: Independent equipment finance lender to small and mid-sized businesses across the US, offering leases and loans for commercial vehicles, construction, and industrial equipment. Directly comparable in customer segment, ticket size, and asset focus.
• DLL: Global equipment finance and leasing company serving vendors, dealers, and end customers across construction, transportation, agriculture, and industrial equipment. Directly comparable business model of partnering with OEMs and dealers to finance equipment purchases for end users.
• Marlin Business Services (now part of Citizens Bank): Specialty finance company providing equipment leasing and working capital loans to small businesses. Comparable SMB equipment finance focus and direct/indirect origination model, though now operating under a bank parent.

Emerging players

• Tandem Finance: Independent equipment finance company focused on small businesses with a multi-channel origination approach. Smaller scale than Amur but overlapping customer profile and product set (leases and loans for commercial equipment).
• TruckLend Inc. Specialty equipment finance company focused on commercial trucks and transportation equipment for owner-operators and small fleets. Comparable niche to Amur's transportation vertical but narrower scope.

Broad incumbents

• CIT Group (now First Citizens Bank equipment finance): Major bank-affiliated equipment finance franchise serving small, middle-market, and large corporate clients across a broad range of asset classes. Larger and broader than Amur, but competes directly for SMB and mid-market equipment finance originations.
• Wells Fargo Equipment Finance: Bank-affiliated equipment finance division offering loans and leases for vehicles, construction, healthcare, and industrial equipment. Overlaps Amur's verticals but benefits from bank funding costs and serves a broader customer base including large corporates.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/go_amur
• YouTubeyoutube.com/@AmurEquipmentFinance
• Facebookfacebook.com/GoAmur
• LinkedInlinkedin.com/company/go-amur
• Instagraminstagram.com/amurequipmentfinance

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles9 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 Amur