Commercial Capital Company

What Commercial Capital Company does

Commercial Capital Company is a privately held, family-owned (Rice family) and veteran-owned equipment lease financing company founded in 1985 and headquartered in Lenexa, Kansas. It originates equipment lease and finance contracts ranging from $10,000 to $10,000,000 over 12 to 72 month terms to U.S. businesses and equipment vendors, with reported originations of $205M in 2025 and a managed portfolio of approximately $360M in assets. Disciplines served include construction, trucking and hauling, material handling, agriculture, concrete, manufacturing and fabrication, printing, sanitation, and office equipment.

The business operates two primary go-to-market motions: a direct sales force of 15+ senior sales executives covering all 50 states, and a nationwide vendor/dealer partner channel that embeds Commercial Capital financing at the point of equipment sale (including approved-vendor status with RSA, RMX Network, and IRgA for printing). Repetitive deal flow is reinforced by a 50%+ repeat customer base across 3,000+ active customers. The technology stack centers on the Leasepath Enterprise loan-origination platform (adopted January 2025) integrated with a secure online application portal promising sub-24-hour credit decisions, a Stripe-backed ACH payment portal, customer calculators (lease payment and Section 179 tax savings), and a used-equipment marketplace for off-lease and repossessed assets.

Revenue is generated primarily through interest/lease yield on originated contracts (which the company may retain on balance sheet or syndicate to funding partners, including local banks) with secondary revenue from transaction fees on vendor financing programs and hardware sales of used equipment. Competitive positioning rests on a relationship-first culture, faster decisioning than traditional bank financing (advertised 24-hour approvals versus typical 2-6 week bank timelines), flexible structures (0-20% down, 100% financing inclusive of soft costs), and repeat-customer loyalty rather than on technology differentiation or AI-driven underwriting.

Name

Commercial Capital Company

Legal name

Commercial Capital Company, L.L.C.

Website

https://ccckc.com

Company type

Private

Founded year

1985

Operating status

Operating

Headcount range

11–50 employees

Short description

Commercial Capital Company is a family- and veteran-owned equipment lease financing company, founded in 1985 in Lenexa, Kansas, that originates $10K-$10M equipment leases for SMBs and equipment vendors across all 50 states.

Ownership category

akta.pro rank

Product category

Equipment Financing

NAICS

Commercial and Industrial Machinery and Equipment Rental and Leasing (5324), Sales Financing (52222), Other Commercial and Industrial Machinery and Equipment Rental and Leasing (53249)

SIC

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

akta.pro primary industry

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

akta.pro secondary industries

Commercial Trucking & Heavy Equipment Vehicle Finance (FSAKADAI), Fleet & Commercial Vehicle Finance (FSAKADAE)

Keywords

• Equipment leasing
• Equipment financing
• Vendor financing
• Commercial lending
• Business equipment loans

Headquarters

HQ city

Lenexa

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Equipment Lease Financing: Primary revenue stream from providing equipment lease financing to businesses. Customers pay monthly lease payments over terms typically ranging from 12-72 months. Company originates loans and may retain them in portfolio or syndicate to funding partners.
2. Equipment Sales: Sale of used equipment inventory including vehicles, trailers, forklifts, and construction equipment acquired through lease returns and repossessions.
3. Vendor Partnership Programs: Revenue generated through vendor financing programs where equipment dealers and vendors partner with Commercial Capital to offer financing to their customers, potentially including referral fees or volume-based incentives.

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels6 records

Core offering

Commercial Capital Company originates equipment lease financing for businesses and equipment vendors nationwide, providing customized financing solutions ranging from $10,000 to $10,000,000 with terms of 12-72 months and approvals typically delivered in under 24 hours. The company also operates a Vendor Financing Program that enables equipment dealers to offer in-house financing to their customers, alongside a used equipment resale business for repossessed and off-lease assets.

Product overview

Commercial Capital Company is a family-owned equipment financing company founded in 1985, offering a unified equipment financing platform centered on Equipment Lease Financing and a Vendor Financing Program. The core product, Equipment Lease Financing, provides customized financing solutions from $10,000 to $10,000,000 for new or used business equipment, while the Vendor Financing Program enables equipment dealers to offer in-house financing to their customers. Supporting the core offering are several add-on tools: Equipment Lease Calculator and Lease Financing Calculator (for estimating monthly payments), a Section 179 Tax Calculator (for calculating tax savings on equipment purchases), an Online Equipment Financing Application (for submitting credit applications with 24-hour approval), and a Customer Payment Portal (for managing ACH and credit card payments). The company also operates a Used Equipment Inventory marketplace for reselling repossessed and off-lease equipment.

Differentiator

Problem solved

Functional benefit

Products and services

• Equipment Lease Financing
• Vendor Financing Program
• Used Equipment Inventory

Quantifiable outcome

• 24-hour approval times vs. 2-6 weeks for traditional bank financing
• +3 more outcomes

Named customers3 records

Segments10 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration7 records

Feature3 records

Partnerships

Four partnerships are on record, tiered core and minor.

• LeasepathcoreTechnology or Integration · 1 January 2025Commercial Capital adopted Leasepath Enterprise in January 2025 to enhance process efficiency and workflow automation. This enterprise software platform helps streamline the equipment financing application and approval process.
• Midwest Sweeper & ScrubbersminorChannel Partner/ Reseller/ DistributorVendor partnership with Midwest Sweeper & Scrubbers offering a variety of equipment lease finance options for sanitation equipment customers.
• Bobcat of PaducahcoreChannel Partner/ Reseller/ DistributorKey vendor partner through which Commercial Capital has built strong connections. Bobcat of Paducah trusts Commercial Capital to take care of their customers throughout the financing process.
• Reprographic Services Association (RSA)minorChannel Partner/ Reseller/ DistributorCommercial Capital is an approved vendor for RSA, RMX Network, and the International Reprographic Association (IRgA) for printing equipment financing.

Scale indicators13 records

Recent moves7 records

Expansion highlights5 records

Direct peers

• Currency (formerly Financing Solutions): Currency is a fintech-enabled equipment financing platform targeting SMBs with rapid credit decisions, comparable to CCC's sub-24-hour approval and online application portal.
• Ascentium Capital: Ascentium Capital is a direct competitor in mid-market equipment financing and leasing, offering vendor financing programs and similar ticket sizes across equipment verticals comparable to CCC.
• Balboa Capital: Balboa Capital is a private equipment and business financing company serving SMBs with equipment leasing and working capital, closely comparable to CCC's middle-market positioning.
• TimePayment: TimePayment is a private equipment leasing company focused on ticket sizes under $250K for SMBs and vendor partners, directly competing with CCC in the small-ticket equipment finance segment.
• Direct Capital Corporation: Direct Capital provides equipment financing and leasing to SMBs with vendor programs, comparable to CCC's dealer referral channel and middle-market deal sizes.
• Marlin Business Bank: Marlin Business Bank is a private equipment financing specialist serving small businesses across multiple verticals, with comparable vendor and direct lending channels similar to CCC.
• North Star Leasing: North Star Leasing is a private equipment leasing company focused on vendor and dealer programs for SMBs, directly comparable to CCC's vendor partner financing model.
• Banter Financial Group: Banter Financial Group (formerly Currency Capital) provides equipment financing and working capital to SMBs through vendor partnerships, similar to CCC's dealer financing program.
• Liberty Capital Group: Liberty Capital Group is a private equipment leasing and financing company serving SMBs with vendor programs, directly comparable to CCC's middle-market equipment finance offering.

Broad incumbents

• Citizens Asset Finance (part of Citizens Financial Group): Citizens Asset Finance is a broad incumbent equipment finance provider within a larger commercial bank, offering leasing and lending across equipment verticals comparable to CCC but as part of a wider institutional balance sheet.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/EquipFinanceKC
• Facebookfacebook.com/commercialcapitalcompany
• LinkedInlinkedin.com/company/commercial-capital-company-llc

Compliance6 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles8 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 Commercial Capital Company