US Leasing and Equipment Finance

What US Leasing and Equipment Finance does

US Leasing and Equipment Finance, LLC is a private equipment finance lessor headquartered in Irvine, California that originates operating leases, capital leases, and custom-structured financing transactions primarily for U.S. colleges and universities. The company reports 20+ years of higher education finance experience, 5,000+ transactions funded, and 1,200+ institutions financed cumulatively, with transaction sizes between $250,000 and $25 million across the U.S., Canada, and Mexico. Its core service set is segmented by use case rather than technology, covering student technology, faculty and staff equipment, lab and research equipment, digital campus infrastructure, and facilities improvements, with structuring options spanning operating leases, capital leases, custom structures, first amendments, and TRAC leases.

The company operates a wholly-owned HealthcareLease division that extends the same financing toolkit into healthcare environments, including medical and lab equipment, furnishings, facility improvements, and research technology. It also runs a dedicated Broker and Third Party Originator funding program targeting the $250K-$25MM segment with A/B/C credit support, software/SaaS financing, and aviation financing for fixed wing aircraft and helicopters. The firm is positioned as a relationship-based, niche institutional lessor rather than a technology-led platform; no proprietary technology platform, AI capabilities, patents, or integrations are disclosed. Leadership centers on Justin Kiluk and a small team of higher education finance specialists, consistent with an 11-50 employee headcount.

US Leasing makes money on the spread and fee economics between its cost of capital and the pricing of leases it originates and retains on its book, with pricing tailored to credit profile and deal parameters and billed under multi-year contract structures. Revenue is not publicly disclosed and no funding rounds or institutional investors are identified; the company operates as a privately held LLC. GTM is sales-led, combining a direct sales team engaging colleges, universities, and healthcare institutions with a broker/intermediary channel for mid-market transactions across North America.

Name

US Leasing and Equipment Finance

Legal name

US Leasing and Equipment Finance, LLC

Website

https://uslef.com

Company type

Private

Operating status

Operating

Headcount range

11–50 employees

Short description

US Leasing and Equipment Finance is a private, Irvine-based lessor providing customized equipment and project financing—operating and capital leases, software/SaaS financing, and aviation deals—primarily to U.S., Canadian, and Mexican colleges, universities, and healthcare institutions, with a broker and third-party originator channel for $250K-$25MM transactions.

Ownership category

akta.pro rank

Headquarters

HQ city

Irvine

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Others

Revenue model

1. Equipment Leasing & Financing: Operating leases, capital leases, and custom-structured financing for equipment acquisitions. Supports transactions between $250K and $25MM, serving institutions in US, Canada, and Mexico.
2. Software/SaaS Financing: Financing solutions for software acquisitions and SaaS agreements, including implementation and consulting costs.
3. Project Financing: Customized project financing solutions for facilities improvements, technology upgrades, and digital campus initiatives in higher education.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels2 records

Core offering

US Leasing and Equipment Finance provides leasing and equipment financing programs to U.S. colleges, universities, and healthcare organizations, covering student technology, faculty equipment, lab and research gear, digital campus infrastructure, facilities improvements, and medical/healthcare assets. It also funds lease finance brokers and third-party originators on transactions between $250K and $25MM across operating leases, capital leases, custom structures, software/SaaS agreements, and aviation equipment in the US, Canada, and Mexico.

Product overview

US Leasing & Equipment Finance is a Higher Education & Non-Profit Division finance company offering innovative, flexible, and competitive lease and equipment finance programs. The company operates primarily in the Higher Education sector (with over 20 years of experience, 5000+ transactions funded, and 1200+ institutions financed) and has a Healthcare division called HealthcareLease. Core offerings include Student Technology Financing, Faculty & Staff Equipment Financing, Lab & Research Equipment Financing, Digital Campus Technology Financing, and Facilities Improvements Financing for Higher Education, along with Medical & Lab Equipment Financing, Healthcare Furnishings & Facility Improvements Financing, and Healthcare Research Technology Financing for Healthcare. The company also funds Third Party Originators and Lease Finance Brokers for transactions between $250K and $25M, having funded over $2.5B since inception. Services span Operating/Capital/Custom Leases, Software/SaaS Agreements, and Aviation (Fixed Wing & Helicopters) across US/Canada/Mexico.

Differentiator

Problem solved

Functional benefit

Brands

• HealthcareLease: A division of USLEF offering comprehensive healthcare asset finance solutions from the operating room to the waiting room, covering medical equipment, lab equipment, furnishings, facility improvements, and research technology.

Products and services

• Higher Education Equipment & Project Financing

Quantifiable outcome

• 20+ years of higher education finance expertise
• +3 more outcomes

Named customers1 record

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators4 records

Recent moves5 records

Expansion highlights4 records

Broad incumbents

• DLL: Global vendor-finance company (Rabobank subsidiary) financing equipment, technology, and healthcare assets across multiple geographies and verticals. Comparable on healthcare and asset-class breadth.
• First Citizens Bank (formerly CIT Group): Large commercial bank with a major equipment finance and vendor finance franchise. Competes for the same institutional and broker-originated deals as USLEF but at far greater scale and capital access.
• TIAA Bank: Financial services provider affiliated with the higher education and nonprofit sector; competes for institutional higher-ed relationships and adjacent financing products, with materially larger capital base than USLEF.
• PNC Equipment Finance: Equipment finance division of a top-tier U.S. bank offering vendor, direct, and corporate equipment financing at materially larger scale, with deeper balance-sheet capacity than USLEF.

Direct peers

• TimePayment: Equipment financing company serving small and mid-sized businesses across many verticals with a broker/TPO-driven origination model similar to USLEF's intermediary channel.
• Marlin Capital Solutions: Independent equipment finance provider focused on small businesses with multi-vertical exposure and broker-driven origination. Comparable in ticket sizes and credit appetite across A/B/C backgrounds.
• GreatAmerica Financial Services: Cedar Rapids-based equipment finance and leasing firm with a well-known Higher Education practice and similar vertical specialization across healthcare and other niches. Closest direct comp on customer mix and product breadth.
• Ascentium Capital: Direct equipment finance lessor providing capital to businesses across multiple verticals including technology, healthcare, and light industrial. Comparable in deal-size range and broker-channel distribution.
• Balboa Capital: Equipment finance and leasing provider offering capital to SMBs across multiple industries with a strong broker channel. Overlaps with USLEF on deal sizes, credit range, and product breadth.
• North Star Leasing Company: Equipment leasing firm serving small and mid-market businesses nationwide across diverse equipment types and verticals, with a similar broker/originator-led model.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Subsidiaries1 record

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 US Leasing and Equipment Finance