Blue Street Capital

What Blue Street Capital does

Blue Street Capital is a privately held equipment and technology financing company headquartered in Huntington Beach, California, founded in 2003 (or 2004 per company history) and operating under California Department of Business Oversight License #603D946. The company finances complex technology deployments by bundling hardware, software, professional services, installation, and other soft costs into a single financing structure, offering three core products: Fair Market Value (FMV) leases, Equipment Finance Agreements (EFAs), and $1 Buyout Option Leases. Pricing is quote-based using a Rate Factor methodology, with monthly billing and end-of-term flexibility (purchase, return, or renewal) tailored to technology refresh cycles. Blue Street differentiates by financing the full project scope — including services and installation — which most traditional lenders exclude, and by approving transactions within 24–48 hours.

The company operates a dual go-to-market: direct-to-customer financing applications via its website, and a channel/vendor partner program serving technology OEMs, MSPs, VARs, and solution providers through co-branded materials, a White Label Financing Program, and a free sales-team training offering. Industry-specific verticals include AI Infrastructure, Biotech, Medical Simulation, IT & Technology, and Office Furniture. Revenue is generated through interest and fee streams on lease and EFA contracts, transaction-fee income from vendor-partner-sourced deals, and program-management economics from white-label engagements. The company is founder-led by Dave Rhoads (CEO) with Nick Whittemore as President; Jaimie Haver was appointed COO effective August 2025 to lead growth execution. The firm employs 11–50 people, maintains a 20+ year operating history, and has been recognized on Inc. Magazine's Best Workplaces 2025 list with a 96.2% employee engagement score.

Name

Blue Street Capital

Legal name

Blue Street Capital, LLC

Website

https://bluestreetcapital.com

Company type

Private

Founded year

2004

Operating status

Operating

Headcount range

11–50 employees

Short description

Blue Street Capital is a privately held equipment financing company that enables technology vendors and businesses to fund complete technology deployments — hardware, software, services, and installation — under a single financing structure with 24–48 hour approvals.

Ownership category

akta.pro rank

Product category

Equipment Financing

NAICS

Sales Financing (52222), Commercial and Industrial Machinery and Equipment Rental and Leasing (5324), Office Machinery and Equipment Rental and Leasing (532420)

SIC

Finance Lessors (6172), Services-Equipment Rental & Leasing, Nec (7359), Services-Computer Rental & Leasing (7377)

akta.pro primary industry

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

akta.pro secondary industries

Equipment Financing / Leasing (Venture-backed) (FSANAIAE), Private Credit — Infrastructure Debt & Project Finance (FSAHAJAJ)

Keywords

• Equipment financing services
• Technology leasing solutions
• Vendor financing programs
• Capital equipment loans
• Software financing bundles

Headquarters

HQ city

Huntington Beach

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, Others

Revenue model

1. Equipment Financing and Leasing: Blue Street Capital generates revenue through structuring and servicing equipment and technology financing agreements. They offer Fair Market Value (FMV) leases, Equipment Finance Agreements (EFAs), and $1 Buyout option leases. Revenue comes from interest payments and fees associated with these financing structures. The company finances hardware, software, professional services, and installation costs bundled into single agreements.
2. Vendor Partner Program Revenue: Revenue generated through partnership model where vendors offer financing to end customers, with Blue Street handling the financing process and paying the vendor for the equipment while collecting payments from the end customer over time.
3. White Label Financing Programs: Blue Street designs and delivers white label/private label finance programs for partners' multi-tiered distribution networks, earning fees for program management and financing services.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels7 records

Core offering

Blue Street Capital structures technology equipment financing that bundles hardware, software, professional services, installation, training, and maintenance into a single finance agreement. It offers Fair Market Value (FMV) leases, Equipment Finance Agreements (EFAs), and $1 Buyout Option Leases to CFOs and executive teams at businesses and to technology vendors, OEMs, MSPs, VARs, and channel partners through its Partner Program and White Label Financing Program.

Product overview

Blue Street Capital is a technology equipment financing company offering multiple structured financing solutions. The core offerings include three distinct financing products: Fair Market Value (FMV) Leases providing lowest monthly payments with flexibility to purchase or return equipment; Equipment Finance Agreements (EFAs) where customers own equipment at term end; and $1 Buyout Option Leases with fixed-price purchase options. The company also provides sector-specific financing solutions for AI Infrastructure, Biotech, Medical Simulation, IT & Technology, and Office Furniture industries. Through the Partner Program and White Label Financing Program, Blue Street Capital enables technology vendors and channel partners to offer financing to their customers with co-branded materials and 24-hour approval turnaround. Additional services include Sales Team Finance Training and an online Payment Calculator for customer self-service.

Differentiator

Problem solved

Functional benefit

Products and services

• Fair Market Value (FMV) Lease

Quantifiable outcome

• Most financing approvals happen within 24-48 hours
• +6 more outcomes

Named customers12 records

Segments7 records

Ideal customer profiles3 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.

• National Equipment Finance Association (NEFA)minorOthersBlue Street Capital is a proud member of NEFA, a professional organization serving the equipment finance industry. Membership provides networking, education, and industry resources.

Scale indicators10 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Ascentium Capital: Ascentium Capital is a direct competitor specializing in technology and equipment financing for businesses, offering leases and loans across IT, office, and industrial equipment. Highly comparable to Blue Street's vendor-channel-led, technology-focused financing model.
• GreatAmerica Financial Services: GreatAmerica Financial Services is a direct peer that finances IT, software, and office equipment through vendor and dealer channels, with strong vertical specialization in technology, healthcare, and food equipment. Closely mirrors Blue Street's vendor-partner-led origination strategy.
• Winthrop Resources: Winthrop Resources provides technology equipment financing and leasing through vendor and direct channels, with strong focus on enterprise IT, healthcare, and biotech equipment. Comparable to Blue Street in customer profile and equipment categories financed.
• TimePayment: TimePayment is a direct competitor providing equipment leasing and financing for SMBs across IT, software, and business equipment with vendor and direct origination channels. Comparable to Blue Street in ticket size, customer profile, and product mix.
• First American Equipment Finance: First American Equipment Finance is a mid-market equipment financing company serving businesses across multiple equipment categories including technology and healthcare. Comparable to Blue Street in mid-market focus and equipment finance product offering.
• Marlin Capital Solutions: Marlin Capital Solutions provides equipment financing and leasing for small and mid-sized businesses, including vendor finance programs and direct originations. Comparable to Blue Street in SMB customer base and equipment lease product set.
• AP Equipment Financing: AP Equipment Financing provides vendor and direct equipment financing for businesses, including technology and office equipment. Comparable to Blue Street in mid-market focus and equipment categories financed.

Broad incumbents

• DLL: DLL is a large global vendor finance company (subsidiary of Rabobank) operating across equipment financing, leasing, and asset finance across multiple industries. A broad incumbent that competes in overlapping technology and equipment finance categories.
• CIT Group: CIT Group is a large US bank holding company with a substantial equipment financing and commercial banking franchise. A broad incumbent serving similar equipment finance customers as Blue Street but at much larger scale and broader product set.
• U.S. Bank Equipment Finance: U.S. Bank Equipment Finance is the equipment leasing and finance division of a major US bank, serving mid-market and enterprise customers across diverse equipment categories. Broad incumbent competing for the same vendor financing relationships as Blue Street.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/@Blue-Street-Capital
• LinkedInlinkedin.com/company/blue-street-capital

Compliance1 record

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 Blue Street Capital