Crest Capital
Crest Capital is a privately held Atlanta-based equipment financing company, founded in 1989, that provides loans and leases ($5,000-$500,000) for equipment, vehicles, and software to small and mid-sized businesses across all 50 U.S. states.
- Company typePrivate
- Founded1989
- HeadquartersAlpharetta, United States
- Headcount11–50
- GTM typeB2B
- OfferingServices
What Crest Capital does
Crest Capital is a privately held, nationally operating equipment financing and leasing company founded in 1989 and headquartered in Atlanta, Georgia. The company provides equipment, vehicle, and software financing and leasing to small and mid-sized businesses across all 50 U.S. states, with transaction sizes ranging from $5,000 to $500,000. It positions itself as an alternative to traditional bank financing, emphasizing speed (same-day approvals for amounts under $250,000), simplified documentation (no financial statements required for applications up to $250,000), 100% financing including soft costs, fixed interest rates, and no blanket liens or cross-collateralization.
The company's core product portfolio comprises three financing categories: Equipment Financing (machinery, construction, industrial, and business-critical assets), Vehicle Financing (commercial trucks, fleets, and transportation), and Software Financing (technology equipment and business software, with an Application-Only program up to $125,000). These are complemented by Section 179 Qualified Financing, a Vendor Programs channel enabling equipment dealers to offer point-of-sale financing, and Working Capital solutions. Core technology is not publicly disclosed; the company operates a streamlined online application with electronic document signing and is adopting AI for data extraction and sales process automation.
Crest Capital is a sales-led direct lender with customer acquisition through its website, SEO and content marketing (including the "Lease Guy" blog since 2007), video testimonials, and a vendor/dealer partner network. Revenue is generated through interest on loans and lease payments. The company is founder/management-owned, has never disclosed institutional or venture capital backing, and operates with 11-50 employees. Leadership includes founder Mark French (President & CEO) and CFO Mike Marcin. The company has been recognized by Forbes, CNBC, Bloomberg, Inc. Magazine, the BBB (A+ rating), IRAEmpire (#4 in 2026 heavy and construction equipment financing rankings), and is endorsed as a Section179.Org Preferred Lender.
Crest Capital firmographics
Firmographics- Name
- Crest Capital
- Legal name
- Crest Capital
- Website
- https://crestcapital.com
- Company type
- Private
- Founded year
- 1989
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Crest Capital is a privately held Atlanta-based equipment financing company, founded in 1989, that provides loans and leases ($5,000-$500,000) for equipment, vehicles, and software to small and mid-sized businesses across all 50 U.S. states.
- Ownership category
- akta.pro rank
Crest Capital industry classification
Industry- Product category
- Equipment Financing
- NAICS
- Sales Financing (52222), Nondepository Credit Intermediation (5222)
- SIC
- Short-Term Business Credit Institutions (6153), Miscellaneous Business Credit Institution (6159)
- akta.pro primary industry
- Retail Credit (Closed-End) & Promotional Financing (0%/Deferred Interest) (FSAKAFAF)
Keywords
Where Crest Capital is headquartered
LocationHeadquarters
- HQ city
- Alpharetta
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Crest Capital business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Others
Revenue model
- Equipment Financing and Leasing: Crest Capital provides equipment financing and leasing services to small and mid-sized businesses. They earn revenue through interest on loans and lease payments, with financing amounts ranging from $5,000 to $500,000. The company specializes in equipment, vehicle, and software financing with fixed-rate loans and lease agreements.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Monthly | Standard equipment financing ranging from $5,000 to $500,000 |
| Other | Pay-as-you-go | 2026 Section 179 Bonus Program - Gift card incentives |
Go-to-market motion1 record
Distribution channels2 records
Marketing channels4 records
Crest Capital product offering
Product offeringCore offering
Crest Capital is a national direct lender that provides equipment financing and leasing, vehicle financing, and software financing to small and mid-sized U.S. businesses. Financing amounts range from $5,000 to $500,000 with fixed-rate terms, 100% financing including soft costs, same-day approvals under $250,000, no financial statements required up to $250,000, and no blanket liens or cross-collateralization.
Product overview
Crest Capital is a national equipment finance company offering a unified lending platform for small and mid-sized businesses. The core product portfolio consists of three financing categories: Equipment Financing (for machinery, construction, industrial, and business-critical assets), Vehicle Financing (for commercial trucks, fleets, and transportation), and Software Financing (for technology equipment and business software). These three products share a common application process, approval system, and flexible terms structure (including 100% financing, no down payment, and fixed-rate loans). The offerings are complemented by Section 179 Qualified Financing (a tax-advantaged add-on that enables first-year deductions), Vendor Programs (enabling dealers to offer point-of-sale financing), and Working Capital solutions. The company positions itself as an alternative to traditional bank lending, emphasizing same-day approvals, minimal documentation requirements (no tax returns needed up to $250,000), and 35+ years of specialized expertise serving businesses in almost every industry vertical across all 50 U.S. states.
Differentiator
Problem solved
Functional benefit
Brands
- The Lease Guy: A blog by Fletch (Chris Fletcher, Account Executive) providing equipment financing advice, industry insights, and Section 179 tax deduction guidance.
Products and services
- Equipment Financing Financing and leasing for business equipment including heavy machinery, construction equipment, manufacturing equipment, and industrial equipment. Offers same-day approvals for amounts under $250,000, 100% financing including soft costs, and flexible monthly, quarterly, or seasonal payment structures. Targeted at small and mid-sized U.S. businesses seeking an alternative to traditional bank financing.
- Vehicle Financing Financing solutions for commercial vehicles including business trucks, fleets, and transportation equipment. Covers new and used vehicles with flexible payment options for small and mid-sized businesses across the U.S.
- Software Financing Financing and leasing for business software and technology equipment. The Application-Only program provides up to $125,000 without requiring financial statements or tax returns, targeted at small and mid-sized businesses purchasing technology.
- Vendor Partner Program Programs enabling equipment dealers and vendors to offer Crest Capital financing options to their B2B customers at the point of sale, helping dealers compete with large brand-name dealers that have internal financing arms. Includes a dedicated dealer portal at vendorprograms.crestcapital.com.
- Working Capital Financing Additional capital solutions to help small and medium-sized businesses maintain liquidity and fund growth alongside their equipment financing.
Quantifiable outcome
- Same-day approval for amounts under $250,000
- +2 more outcomes
Companies that use Crest Capital
Customer profileNamed customers3 records
Segments1 record
Ideal customer profiles2 records
Crest Capital technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
AI capability1 record
Crest Capital partnerships and signals
Strategic signalPartnerships
Two partnerships are on record, tiered core and minor.
- Section179.OrgcoreSection179.Org is a leading resource for information on Section 179 tax deductions. Crest Capital is endorsed as a Preferred Lender by Section179.Org and leverages this relationship to market their Section 179 qualified financing programs to small businesses.
- National Equipment Finance Association (NEFA)minorCrest Capital is a member of the National Equipment Finance Association, which provides industry networking, standards, and credibility within the equipment finance industry.
Scale indicators3 records
Recent moves6 records
Expansion highlights5 records
Crest Capital competitors and assessment
Company assessmentDirect peers
- Balboa Capital: Direct competitor offering equipment financing and leasing to small and mid-sized businesses across the U.S., with similar ticket sizes and online application processes.
- Taycor Financial: Specialty equipment financing lender focused on SMBs with rapid approvals and vendor/dealer programs — directly comparable in customer profile, ticket size, and distribution model.
- Marlin Capital Solutions: Direct lender providing equipment financing and working capital to small businesses, with similar quick-decision underwriting and SMB customer orientation.
- Stearns Bank: National equipment finance lender with strong SMB origination focus, vendor programs, and quick-decision underwriting — direct overlap in equipment financing for U.S. small businesses.
- Apollo Equipment Financing: Specialty equipment finance company serving SMBs with similar application-only programs, vendor partnerships, and Section 179 tax-deductible financing positioning.
Broad incumbents
- Mitsubishi HC Capital America: Large diversified equipment finance lender serving U.S. businesses across many verticals; competes head-to-head with Crest in commercial equipment financing but with far greater capital base and breadth.
- CIT (now part of First Citizens Bank): Long-standing major equipment finance franchise that overlaps directly with Crest's verticals (commercial equipment, vehicles) but serves much larger ticket sizes and offers broader balance-sheet financing.
- Key Equipment Finance: Bank-affiliated equipment finance arm offering commercial equipment leasing and loans across the U.S.; competes with Crest on SMB and mid-market equipment deals with a deeper balance sheet.
- DLL (De Lage Landen): Global vendor-finance specialist with deep dealer/vendor programs and equipment financing solutions; competes with Crest Capital's vendor channel strategy at greater scale.
Emerging players
- Currency (Currency.com / Currency Finance): Fintech-style SMB lender providing fast equipment and working capital financing with a digital-first UX — an emerging competitive threat to Crest's speed-of-funding advantage.
Market position
Strengths4 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights6 records
Customer concentration
Crest Capital social profiles
Digital presenceCrest Capital compliance and trust
Trust signalCompliance9 records
Crest Capital financial estimates
Financial estimateRevenue estimate
Valuation estimate
Crest Capital leadership team
Management profileNumber of profiles
Profiles14 records
Crest Capital funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Crest Capital M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Crest Capital
What does Crest Capital do?
Crest Capital is a national direct lender that provides equipment financing and leasing, vehicle financing, and software financing to small and mid-sized U.S. businesses. Financing amounts range from $5,000 to $500,000 with fixed-rate terms, 100% financing including soft costs, same-day approvals under $250,000, no financial statements required up to $250,000, and no blanket liens or cross-collateralization.
Is Crest Capital a public or private company?
Crest Capital is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Crest Capital founded?
Crest Capital was founded in 1989. It employs 11 to 50 people.
Where is Crest Capital based?
Crest Capital is headquartered in Alpharetta, United States, in the North America region.
How does Crest Capital make money?
One revenue line is on record: equipment Financing and Leasing.
Who are Crest Capital's main competitors?
Direct peers on record are Balboa Capital, Taycor Financial, Marlin Capital Solutions, Stearns Bank and Apollo Equipment Financing. Broad incumbents are Mitsubishi HC Capital America, CIT (now part of First Citizens Bank), Key Equipment Finance and DLL (De Lage Landen). Currency (Currency.com / Currency Finance) is listed as an emerging player.
Does Crest Capital have an API?
No public API is recorded for Crest Capital.
What industry is Crest Capital in?
Crest Capital's product category is Equipment Financing. Its primary akta.pro industry code is FSAKAFAF, Retail Credit (Closed-End) & Promotional Financing (0%/Deferred Interest). Its NAICS code is 52222 and its SIC code is 6153.