Oakmont Capital Services

What Oakmont Capital Services does

Oakmont Capital Services (OCS) is a US equipment finance lender founded in 1998 and headquartered in West Chester, Pennsylvania, with a secondary office in Minnesota. The company originates equipment loans and working capital loans to small and medium-sized businesses nationwide, covering heavy commercial equipment, titled vehicles, machinery, and specialty assets across twelve industry verticals including construction, tree care and landscape, plumbing and wastewater, medical and optical, manufacturing, avionics, and waste services. Its core technology stack centers on a digital lending platform with online applications, electronic document signing (DocuSign integration), remote online notary (RON), AI-powered identity/account verification, automated virtual equipment inspections, and ML-based fraud prevention delivered via technology partners. The company has originated over 25,000 loans since inception and is ranked #41 on Monitor Daily's 2025 Top 100 Equipment Finance Companies list.

OCS generates revenue primarily through interest income and fees on its equipment loan and working capital portfolio, with terms up to 84 months, no-money-down options, and deferred/skip payment structures. It serves two go-to-market motions: direct-to-consumer origination via online application and dedicated finance professionals, and partner financing programs with manufacturers and dealers that embed OCS at the point of sale. Customers span A+ through C credit profiles, with pre-approvals valid for 90 days and business credit reporting on each loan. The company is a wholly-owned subsidiary of JA Mitsui Leasing Group following an April 2024 acquisition, operates with 85+ employees averaging 12 years of industry tenure, and has invested in leadership promotions and team expansion through 2024-2025 alongside new product launches in avionics financing and Facebook Marketplace equipment financing.

Name

Oakmont Capital Services

Legal name

Oakmont Capital Holdings, LLC

Website

https://oakmontfinance.com

Company type

Private

Founded year

1998

Operating status

Operating

Headcount range

11–50 employees

Short description

Oakmont Capital Services is a US equipment finance lender, founded 1998 and headquartered in West Chester, PA, originating equipment loans and working capital loans for small and medium-sized businesses across twelve industry verticals; the company is a wholly-owned subsidiary of JA Mitsui Leasing Group since April 2024.

Ownership category

akta.pro rank

Product category

Commercial Equipment Financing

NAICS

Sales Financing (52222)

SIC

Finance Lessors (6172), Short-Term Business Credit Institutions (6153)

akta.pro primary industry

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

akta.pro secondary industries

SME Trade Finance & Working Capital (LCs, Guarantees, Receivables) (FSABABAF), SME Term Loans & Growth Capital (FSAKAGAB)

Keywords

• Equipment financing
• Working capital loans
• Commercial lending
• Vendor financing
• Small business loans

Headquarters

HQ city

West Chester

HQ country

United States

HQ region

North America

Offices2 records

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: Equipment loans for small businesses to purchase heavy commercial equipment, titled vehicles, heavy machinery, and other business equipment. Financing available for new and used equipment from manufacturers, dealers, and private party sales. Terms up to 84 months with various payment options.
2. Working Capital Loans: Working capital loans for small businesses starting at $10,000 for operating expenses, inventory purchases, seasonal management, and expansion or remodeling.
3. Partner/Vendor Financing Programs: Customized financing programs developed with manufacturers and dealers to provide a win-win-win solution for partners, dealers, and end customers.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels6 records

Core offering

Oakmont Capital Services is a direct commercial equipment financing lender that funds new and used heavy commercial equipment, titled vehicles, and heavy machinery for small and medium-sized businesses nationwide. The company also provides working capital loans starting at $10,000 for operating expenses, inventory, seasonality, and expansion, and develops customized partner financing programs with equipment manufacturers and dealers.

Product overview

Oakmont Capital Services offers a unified equipment financing platform with two core products: Equipment Financing (loans for heavy commercial equipment, titled vehicles, and machinery) and Working Capital Loans (starting at $10,000 for operating expenses). The company operates through direct lending and partner financing channels, providing customized programs for manufacturers and dealers. The portfolio includes 12 industry-specific financing verticals covering avionics, construction, equipment rental, manufacturing, medical/optical, plumbing/wastewater, property maintenance, sweeping, tool trucks, tree care/landscape, underground construction, and waste/sanitary services. Supporting tools include Section 179 and equipment loan calculators. The company emphasizes technology-forward processes including e-docs, remote online notary, and same-day funding capabilities.

Differentiator

Problem solved

Functional benefit

Products and services

• Equipment Financing

Quantifiable outcome

• Same-day funding possible with electronic payment to vendors within 24 hours
• +3 more outcomes

Named customers4 records

Segments6 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature6 records

Partnerships

Seven partnerships are on record, tiered minor.

• Equipment Leasing and Finance Association (ELFA)minorOthersOCS is a proud member of ELFA, the equipment leasing and finance industry association.
• Aircraft Electronics Association (AEA)minorOthersOCS is a proud member of the Aircraft Electronics Association, reflecting commitment to aviation industry standards.
• Associated Equipment Distributors (AED)minorOthersOCS is a proud member of Associated Equipment Distributors.
• American Rental Association (ARA)minorOthersOCS is a proud member of the American Rental Association.
• National Equipment Finance Association (NEFA)minorOthersOCS is a proud member of NEFA and participates in their philanthropy committee and charity events.
• Certified Lease & Finance Professional Foundation (CLFP)minorOthersOCS is a proud member of the CLFP Foundation. Multiple OCS employees hold CLFP designations.
• Equipment Finance CaresminorOthersOCS partners with Equipment Finance Cares, a 501(c)(3) nonprofit that organizes charitable events for the equipment finance industry. OCS hosted the spring 2024 EFC Event in Philadelphia.

Scale indicators5 records

Recent moves7 records

Expansion highlights5 records

Direct peers

• Marlin Capital Solutions (Marlin Leasing): Marlin Capital Solutions is a non-bank equipment leasing provider focused on small businesses, with a comparable direct-to-SMB equipment finance model and similar credit profile tolerance.
• Balboa Capital: Balboa Capital is a direct SMB equipment financing and leasing competitor to OCS, serving similar small business customers with equipment loans, working capital, and vendor financing programs across multiple verticals.
• National Funding: National Funding is a direct online SMB lender offering equipment financing and working capital loans with fast approvals, competing with OCS's same-day funding, tech-enabled SMB lending model.
• Direct Capital Corporation: Direct Capital provides equipment financing and working capital loans to small businesses nationwide, overlapping closely with OCS's core SMB equipment finance and working capital offerings.
• LEAF Commercial Capital: LEAF is a technology-enabled equipment leasing and finance provider for SMBs and middle-market customers, with overlapping verticals in construction, manufacturing, and specialty equipment.
• TimePayment: TimePayment is an SMB-focused equipment leasing company that competes directly with OCS in vendor/equipment finance programs, including tech-enabled lease origination and underwriting for sub-investment-grade borrowers.

Broad incumbents

• Caterpillar Financial Services: Caterpillar Financial is the captive finance arm of a major construction OEM and competes with OCS in construction equipment financing, often with stronger dealer incentives and balance sheet capacity.
• Wells Fargo Equipment Finance: Wells Fargo Equipment Finance is a large bank-affiliated equipment finance provider offering loans and leases to mid-market and SMB customers across multiple verticals served by OCS.
• DLL (De Lage Landen): DLL is a large global vendor finance company serving equipment manufacturers and dealers across multiple verticals; it competes with OCS in vendor/manufacturer financing programs and SMB/ mid-market equipment finance.

Emerging players

• Currency (formerly Currency Capital): Currency is a digital equipment financing marketplace connecting SMBs with multiple lenders; it overlaps with OCS's online application and direct-to-consumer equipment finance motion, particularly for used and dealer-channel deals.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks2 records

Key highlights7 records

Customer concentration

• Xx.com/OakmontFinance
• Facebookfacebook.com/oakmontcapital
• LinkedInlinkedin.com/company/oakmont-capital-services

Revenue estimate

Valuation estimate

Number of profiles

Profiles12 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 Oakmont Capital Services