What Taycor Financial does

Taycor Financial (legal entity TF Group, Inc.) is a private, California-licensed commercial equipment finance and leasing company founded in 1997, operating from U.S. offices in El Segundo/Los Angeles, Irvine, Murray (Salt Lake City), and Minnesota. The company serves U.S. small and medium-sized businesses across roughly fifteen vertical industries (agriculture, construction, medical/dental, manufacturing, software, technology, vehicles, etc.), as well as the equipment dealers, vendors, and OEMs that supply them, by providing custom lease and loan structures, 100% financing, working-capital products, and consumer-lending facilitation. Taycor claims a network of 250,000 companies helped over 25+ years of operation, an A+ Better Business Bureau rating, and Inc. 500 fastest-growing-company recognition.

The product portfolio is structured as a single platform-plus-modules architecture: an Equipment Finance & Leasing core subdivided by asset type (vehicles, software, technology, machinery, construction, medical/dental, agriculture, furniture), a Working Capital module (lines of credit, business loans, bridge loans, term loans), and online self-serve tools (Equipment Finance Calculator and Working Capital Instant Quote). For B2B partners, Taycor layers a partnerships module that includes whitelabel financing, virtual F&I, hosted finance widgets, custom finance solutions, floorplan financing, inventory tracking, and a Dealer Management Portal branded as the SMOOTH approach for OEM e-commerce. Underlying technology combines an online application portal (app.taycor.com) with a 'hybrid lending engine' that supports application-only decisions up to $400,000, soft credit pull by default, and approvals within two hours for tickets up to $150,000.

Taycor monetizes through a mix of one-time origination, processing, underwriting, and funding fees on each transaction, recurring interest/lease income on funded equipment leases and loans, usage-based draw and interest revenue on working-capital products, and licensing/whitelabel fees for partner platforms. Distribution runs through a multi-channel stack: a self-serve online application portal (PLG), phone-based inside sales with concierge finance professionals, a dealer/vendor partnership program, an OEM embedded program, a whitelabel platform, floorplan and virtual F&I integration for dealers, and an enterprise partnership track. The company is regulated as a California Department of Business Oversight Finance Lender (licenses held since 2004) and is CCPA-compliant.

Name

Taycor Financial

Legal name

TF Group, Inc.

Website

https://taycor.com

Company type

Private

Founded year

1997

Headcount range

11–50 employees

Short description

Taycor Financial (TF Group, Inc.) is a private, California-licensed commercial equipment finance and leasing company that provides lease, loan, and working-capital products to U.S. small and medium-sized businesses across multiple industries, and to the equipment dealers, vendors, and OEMs that serve them.

Ownership category

akta.pro rank

Product category

Commercial Equipment Financing and Leasing

NAICS

Sales Financing (522220), Sales Financing (52222)

SIC

Short-Term Business Credit Institutions (6153), Miscellaneous Business Credit Institution (6159)

akta.pro primary industry

B2B BNPL (Invoice Split/Net Terms for SMB Procurement) (FSAKACAJ)

akta.pro secondary industry

BNPL Platform Infrastructure (APIs, Orchestration, Merchant Tools) (FSAKACAE)

Keywords

• Equipment financing
• Equipment leasing
• Commercial lending
• Working capital loans
• Vendor financing

Headquarters

HQ city

El Segundo

HQ country

United States

HQ region

North America

Offices4 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Loan origination, processing, underwriting and funding fees: One-time fees charged to the borrower at loan funding, including origination, loan processing, underwriting and funding fees; this is explicitly disclosed in Taycor's terms of use.
2. Equipment lease & finance interest/lease income: Recurring revenue from equipment leases and financed loans (FMV, $1 buyout, 10% purchase option) with fixed monthly payments over custom terms, including 100% financing structures.
3. Working capital products (lines of credit, business loans, bridge loans, term loans): Recurring/draw-based interest and fee revenue from working-capital solutions including lines of credit (drawn as needed), business loans, short-term bridge loans/advances, factoring, and long-term business loans.
4. Whitelabel / white-label platform fees: Revenue from licensing Taycor's platform and finance team as agents to partners who offer financing under their own brand, with Taycor handling the lending operation.
5. Fintech / partner technology services: Revenue from fintech support services for partners, including e-commerce tools, online finance applications, partner portals, calculators, mobile applications, and the dealer management portal.
6. Consumer lending facilitation: Revenue from facilitating consumer lending for clients (e.g., hobby farmers, startups, personal-use buyers) through Taycor's network of best-in-class lenders.

Pricing tiers

Go-to-market motion6 records

Distribution channels8 records

Marketing channels9 records

Core offering

Taycor Financial is a California-licensed direct lender that originates equipment leases and equipment loans, working-capital products (lines of credit, business loans, bridge loans, term loans), and consumer loans for U.S. small and medium-sized businesses. The company also operates a B2B partnership platform — whitelabel financing, virtual F&I, hosted finance tools, dealer management portal, floorplan financing, inventory tracking, and OEM "SMOOTH" buyer journeys — that lets equipment dealers, vendors, OEMs, and fintechs embed Taycor's lending capabilities inside their own sales processes.

Product overview

Taycor Financial (TF Group, Inc.) operates a single unified platform-plus-modules architecture for equipment financing and small/medium business lending rather than separate standalone products. The core offering is Equipment Finance & Leasing, which is subdivided by asset type into Vehicle Finance, Software Financing, Technology Equipment Financing, Machinery Financing, Construction Financing, Medical & Dental Equipment Financing, Agriculture Equipment Financing, and Furniture Financing. A separate Working Capital module bundles Lines of Credit, Business Loans, Bridge Loans, and Term Loans. Online tools (Equipment Finance Calculator and Working Capital Instant Quote) sit on top of both modules. For B2B partners, Taycor layers a partnerships module comprising Whitelabel Financing, Virtual F&I, Hosted Finance Tools, Custom Finance Solutions, Marketing Support, and Fintech Support, alongside an OEM module offering Floorplans, Inventory Tracking, and the Dealer Management Portal. Together, the platform combines direct small-business lending, working-capital products, and white-labeled partner enablement, all delivered through Taycor's licensed-lender infrastructure and the Taycor-originated application portal at app.taycor.com/apply/product/.

Differentiator

Problem solved

Functional benefit

Products and services

• Equipment Finance & Leasing Taycor's core lending product that structures custom lease or finance programs for new or used tangible assets for businesses and individuals, with a three-step online application supporting approvals up to $400,000.
• Vehicle Finance Commercial vehicle finance and leasing for delivery trucks, specialized vehicles, titled vehicles, and small/medium fleet purchases from dealerships, private parties, or auctions.
• Software Financing Software financing covering new packages, system updates, cloud-based solutions, and the customization and configuration work around the software purchase.
• Technology Equipment Financing Financing for laptops, servers, storage, and other hardware with multiple payment options designed to work within the customer's cash flow.
• Machinery Financing Competitive machinery finance options with payment terms aligned to how the customer does business, supporting manufacturing and industrial machinery purchases.
• Construction Equipment Financing Construction financing for projects including equipment, materials, and labor, with flexible terms aligned to project cashflow.
• Medical & Dental Equipment Financing Custom loan and lease programs for medical and dental firms with application-only financing up to $400,000 and project financing for larger amounts.
• Agriculture Equipment Financing Agriculture equipment financing with flexible payment options including seasonal, semi-annual, quarterly, and standard monthly payments.
• Furniture Financing Financing for office furniture and consumer furniture purchases for both business and personal buyers.
• Lines of Credit Business lines of credit providing instant access to funds for unpredicted or planned events, drawable as needed once established.
• Business Loans Business loans for starting or expanding a business, with a working capital instant quote tool and concierge guidance to match the right product to the borrower's needs.
• Bridge Loans Short-term bridge loans and advances for working capital, providing fast and easy access to funds.
• Term Loans Long-term business loans offering predictable payment terms to support business growth.
• Whitelabel Financing Allows partners to offer Taycor's financing platform under their own brand, with Taycor's team of finance experts acting as agents while partners retain their core business focus.
• Virtual F&I Virtual Finance & Insurance service in which Taycor's dedicated finance team works closely with a partner's salesforce to manage the entire deal, from initial application to final funding, combined with a hybrid lending model.
• Hosted Finance Tools Hosted digital finance tools (calculators, applications, and other assets) that partners can deploy across their own organization to accelerate the transaction and convert more business opportunities.
• Custom Finance Solutions Tailored financing programs built around a partner's unique business problems to maximize the organization's growth potential.
• Floorplan Financing Floorplan financing for equipment dealers and vendors to acquire and display inventory while maintaining financial stability and ideal stock levels.
• Inventory Tracking Inventory management solution provided in partnership with third-party providers, offering accurate visibility, forecasting, faster error detection, detailed reports, and e-commerce potential through embedded financing.
• Dealer Management Portal (OEM Partnership Solution) OEM partnership solution that combines commercial financing with e-commerce expertise to deliver a tailored buyer journey, packaged as the "SMOOTH approach" for some of the largest OEM companies.
• Fintech Support Fintech support service that equips partners with Taycor's online finance applications, portals, calculators, and mobile applications, backed by Taycor's team of finance professionals.
• Step Lease and 90 Day Deferral Program Equipment finance and leasing program with a step-lease payment structure and a 90-day deferral option, giving customers deferred-payment flexibility on equipment purchases.

Quantifiable outcome

• 250,000 companies helped in the Taycor network
• +7 more outcomes

Segments5 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature8 records

Partnerships

Six partnerships are on record, tiered secondary and core.

• Ovation Credit Services, Inc. (a Lending Tree company)secondaryGTM or Marketing PartnerOvation Credit Services is Taycor's affiliate that provides credit-repair services in exchange for fees. Under the terms of use, depending on a borrower's personal credit score, the borrower agrees to be contacted by Ovation (a Lending Tree company) to determine whether credit-repair services may benefit them.
• National Equipment Finance Association (NEFA)coreOthersProud industry-association member; senior Taycor staff (e.g., Drew Olynick) hold the Certified Leasing & Finance Professional (CLFP) designation through NEFA.
• American Association of Commercial Finance Brokers (AACFB)secondaryOthersIndustry-association membership disclosed on the Taycor Licensed Lender page, supporting compliance, professional standards, and peer accountability in commercial lending.
• Inventory management solution providers (unnamed)secondaryTechnology or IntegrationTaycor states it has 'partnered with some of the best inventory management solution providers in the world' to deliver accurate inventory visibility, forecasting, error detection, reporting, and e-commerce-enabled financing on dealer listings. The specific providers are not named on the page.
• OEM partners (unnamed; described as 'some of the largest OEM companies in the world')coreStrategic or Co-development PartnerStrategic co-development alliance under which Taycor builds custom-tailored buyer journeys and integrates e-commerce financing into the OEM's own digital experience using its 'SMOOTH' approach; specific OEM names are not disclosed.
• Whitelabel / brand-label financing partners (unnamed)coreOEM/ Whitelabel/ Licensing PartnerPartners license Taycor's platform to offer financing under their own brand; Taycor's finance experts act as agents and handle the lending operation while the partner focuses on its core business.

Scale indicators9 records

Recent moves6 records

Expansion highlights7 records

Direct peers

• Balboa Capital: Balboa Capital is a California-based, direct competitor to Taycor: an equipment leasing and financing company targeting U.S. small and medium-sized businesses with a similar mix of direct lending, dealer/vendor programs, and online application tools.
• Marlin Capital Solutions: Marlin Capital Solutions (formerly Marlin Business Services) is a direct equipment-finance and working-capital peer serving SMBs with leases, loans, and lines of credit — overlapping Taycor's core equipment lease and business loan products.
• NewLane Finance: NewLane Finance originates equipment leases and loans for small and mid-sized U.S. businesses through direct and dealer channels, mirroring Taycor's equipment-finance-plus-dealer-distribution model.
• Crest Capital: Crest Capital is an equipment leasing and financing company serving U.S. small and mid-sized businesses, with comparable verticals (vehicles, software, medical, construction) and a similar online application and SMB sales motion.

Broad incumbents

• Stearns Bank: Stearns Bank's Equipment Finance division is a well-established, broad-based equipment-finance provider for SMBs across industries — a larger incumbent overlapping Taycor's vertical reach without specializing in Taycor's niche of dealer/OEM embedded programs.
• CIT Group (now First Citizens Bank): CIT's Commercial Equipment Finance unit (now part of First Citizens) is a large incumbent in U.S. equipment finance, providing leases and loans to mid-market and SMB customers — broader portfolio but a direct competitor in Taycor's core verticals.
• DLL Group: DLL is a global asset finance partner to equipment manufacturers, dealers, and end customers; its vendor and OEM finance programs overlap directly with Taycor's dealer/vendor and OEM partnership offerings, though at much larger scale and across more geographies.

Emerging players

• OnDeck (OnDeck Capital): OnDeck is a tech-enabled online SMB lender offering working-capital lines of credit, term loans, and small-business financing — overlapping with Taycor's working-capital products and serving a comparable SMB customer base with a similar digital application experience.
• BlueVine: BlueVine provides online working capital (lines of credit, invoice factoring, term loans) to U.S. small businesses, overlapping with Taycor's lines of credit, business loans, and factoring offerings, and competing for the same digital-first SMB borrower.
• Lendio: Lendio operates an SMB lending marketplace connecting small businesses to multiple financing products (loans, lines of credit, equipment financing); it overlaps with Taycor's product breadth and SMB target segment while routing via a partner/lender network analogous to Taycor's Network Partners model.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks7 records

Key highlights7 records

Customer concentration

• Xx.com/taycor
• Facebookfacebook.com/taycorfinancial
• LinkedInlinkedin.com/company/taycor-financial

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles8 records

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 Taycor Financial