Aztec Financial
Aztec Financial, a Taycor Financial subsidiary, provides equipment leasing, vehicle financing, working capital, business lines of credit, and consumer finance to small and mid-sized specialty contractors in carpet cleaning, restoration, HVAC, janitorial, pressure washing, and surface preparation industries.
- Company typePrivate
- Founded1997
- HeadquartersSouth Jordan, United States
- Headcount1–10
- GTM typeB2B
- OfferingServices
What Aztec Financial does
Aztec Financial is a US commercial financing company founded in 1997 that provides equipment leasing, commercial vehicle financing, working capital solutions, business lines of credit, and consumer finance to small and mid-sized specialty contractors operating in carpet cleaning, flood and fire restoration, HVAC, janitorial/sanitation, pressure washing, surface preparation, and mobile work vehicle industries. The company was originally established by the owners of Bridgewater Companies (the Hanks brothers) and CFO John Sirrine to address the gap in traditional financing for niche cleaning and restoration contractors, and it has since been acquired by Taycor Financial in 2021, under which it now operates as a subsidiary brand while continuing to run its direct-to-consumer online application portal and inside sales finance specialist team. Its product platform spans equipment leases and loans with 12-60 month terms and multiple end-of-term structures (Fair Market Value, $1 Buyout, 10% Purchase Option), working capital up to $500,000, business lines of credit up to $3,000,000 with terms up to 84 months, and a Home Owner Support consumer finance program that allows contractor customers to finance end-homeowners; these are complemented by a Fleet Sales and Upfitting operation that bundles commercial vehicles with customization services. Aztec makes money primarily through interest, origination fees, and lease economics on financed equipment and vehicles, distributed via three channels: a 24/7 self-serve online application (with soft credit pull for amounts up to $250,000), an inside sales team of industry-trained finance specialists, and a Preferred Vendor Partner program that co-sells financing at point of sale through relationships with major equipment manufacturers and distributors including Sapphire Scientific, Dri-Eaz, ProChem, Hydramaster, Phoenix, Alkota, Blastrac, National Flooring, TCS, and Karcher.
Aztec Financial firmographics
Firmographics- Name
- Aztec Financial
- Legal name
- Aztec Financial
- Website
- https://aztecfinancial.com
- Company type
- Private
- Founded year
- 1997
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- Aztec Financial, a Taycor Financial subsidiary, provides equipment leasing, vehicle financing, working capital, business lines of credit, and consumer finance to small and mid-sized specialty contractors in carpet cleaning, restoration, HVAC, janitorial, pressure washing, and surface preparation industries.
- Ownership category
- akta.pro rank
Aztec Financial industry classification
Industry- Product category
- Commercial Equipment Financing
- NAICS
- Sales Financing (52222)
- SIC
- Miscellaneous Business Credit Institution (6159)
- akta.pro primary industry
- Fleet & Commercial Vehicle Finance (FSAKADAE)
Keywords
Where Aztec Financial is headquartered
LocationHeadquarters
- HQ city
- South Jordan
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Aztec Financial business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Marketing or Sales, Technology or R&D, Operations, Others
Revenue model
- Equipment Leasing and Loans: Provides financing for new and used equipment with term lengths from 12 to 60 months. Revenue generated through interest and fees on financed equipment. Supports all major manufacturers and equipment types for specialty contractors.
- Commercial Vehicle Financing: Financing for trucks, trailers, buses, and specialty vehicles. Can be financed separately or bundled with equipment packages. Revenue from financed vehicle transactions with competitive rates and terms.
- Working Capital Solutions: Unsecured financing up to $500,000 with flexible terms from 6 to 24 months, and hybrid lines of credit for bridge financing needs. Based on annual sales volume and can grow with business.
- Business Lines of Credit: Loans approved up to $3,000,000 with terms up to 84 months. Fixed rate draw structures with no required usage fees, providing flexible capital access for growing businesses.
- Consumer Finance (Homeowner Support): Merchant finance program allowing contractors to offer financing to homeowners who are underinsured or lack capital for repairs. Funds paid directly to customer bank account; no transaction fees to contractor.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Equipment Leasing - Fair Market Value Option |
| One time/ perpetual license | Monthly | Equipment Lease - $1 Buyout Option |
| Subscription | Monthly | Equipment Lease - 10% Purchase Option |
| Usage-based | Pay-as-you-go | Short-Term Working Capital |
| Subscription | Pay-as-you-go | Business Line of Credit |
Go-to-market motion3 records
Distribution channels3 records
Marketing channels5 records
Aztec Financial product offering
Product offeringCore offering
Aztec Financial provides commercial financing—equipment leases and loans, commercial vehicle financing, working capital, business lines of credit, and a consumer home-owner support program—for specialty service contractors in cleaning, restoration, HVAC, janitorial, pressure washing, and surface preparation industries. Financing ranges from $500 to $5 million across products, with approvals delivered within hours for qualifying applications up to $250,000. The company also provides fleet sales and vehicle upfitting services that bundle commercial vehicles with custom interior build-outs.
Product overview
Aztec Financial is a commercial financing company offering a unified platform of lending products designed for specialty contractors in cleaning, restoration, and related service industries. The core product portfolio consists of five main financing instruments: Equipment Leases & Loans (12-60 month terms for equipment), Commercial Vehicle Financing, Working Capital Solutions (up to $500,000 unsecured), Business Lines of Credit (up to $3,000,000), and Consumer Finance (Home Owner Support Program for merchant-referred customer financing). These core products are complemented by Fleet Sales & Upfitting services that bundle vehicle purchases with customization options including shelving, partitions, storage, liners, lighting, mobile office, heaters, ladder racks, ramps, wraps, and ceramic coating. Aztec Financial also provides industry-specific financing variants tailored for carpet cleaning, flood/fire restoration, HVAC, janitorial/sanitation, pressure washing, surface preparation, and work vehicles. The company, acquired by Taycor Financial in 2021, serves as a one-stop financing solution combining multiple financial products with vehicle upfitting services for small to medium-sized specialty contractors.
Differentiator
Problem solved
Functional benefit
Products and services
- Equipment Leases & Loans Equipment leasing and loan products designed for specialty contractors, with term lengths from 12 to 60 months and various end-of-term options (Fair Market Value, $1 Buyout, 10% Purchase Option) to finance new and used equipment purchases from carpet cleaners to surface preparation machinery.
- Commercial Vehicle Financing Financing solutions for commercial vehicles including trucks, trailers, buses, and specialty vehicles, available through dealerships, private parties, or auctions with approval within hours. Vehicles can be financed separately or bundled with equipment packages.
- Working Capital Solutions Flexible financing products providing access to funds between equipment purchases, including unsecured financing up to $500,000 with 6 to 24 month terms and hybrid lines of credit for bridge financing needs, with daily, weekly, or monthly payment options.
- Business Line of Credit Revolving credit facility with fixed rate draw structures and no required usage fees, providing access to capital up to $3,000,000 with terms up to 84 months and approval in as little as 24 hours.
- Consumer Finance / Home Owner Support Program Merchant finance program enabling contractors to offer financing to homeowners who are underinsured or lack sufficient capital to cover repair costs and insurance deductibles; funds paid directly to customer bank account with no transaction fees to contractor.
- Fleet Sales & Upfitting Complete vehicle package solutions combining commercial fleet vehicles with custom upfitting services, including cargo vans, box trucks, and work trucks with professional installation and delivery.
- Vehicle Upfits & Customization Commercial vehicle customization services including shelving, bulkhead partitions, storage cabinets, spray liners, poly flooring, wall/ceiling liners, interior/exterior lighting, mobile office packages, heaters, ladder racks, ramps, wraps/graphics, ceramic coating, and accessories.
Quantifiable outcome
- Equipment financing approval within 2 hours for requests up to $150,000
- +3 more outcomes
Companies that use Aztec Financial
Customer profileSegments7 records
Ideal customer profiles3 records
Aztec Financial technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature3 records
Aztec Financial partnerships and signals
Strategic signalPartnerships
Ten partnerships are on record, tiered minor.
- Sapphire ScientificminorEquipment manufacturer partner. Aztec provides financing for Sapphire Scientific carpet cleaning and restoration equipment through their vendor partner program.
- Dri-EazminorEquipment manufacturer partner specializing in restoration products. Aztec offers financing options for Dri-Eaz restoration equipment through preferred vendor partnerships.
- ProChemminorEquipment manufacturer partner. Aztec provides financing solutions for ProChem carpet cleaning chemicals and equipment.
- HydramasterminorEquipment manufacturer partner. Aztec offers financing for Hydramaster carpet cleaning and extraction equipment.
- PhoenixminorEquipment manufacturer partner. Aztec provides financing options for Phoenix restoration and drying equipment.
- AlkotaminorEquipment manufacturer partner. Aztec offers financing for Alkota steam cleaning and pressure washing equipment.
- BlastracminorEquipment manufacturer partner. Aztec provides financing for Blastrac surface preparation equipment including grinders and shot blasters.
- National Flooring EquipmentminorEquipment manufacturer partner. Aztec offers financing for National Flooring equipment used in surface preparation.
- TCSminorEquipment distributor partner. Aztec provides financing solutions through TCS distribution channels.
- KarcherminorEquipment manufacturer partner. Aztec offers financing for Karcher pressure washers and cleaning equipment.
Scale indicators8 records
Recent moves6 records
Expansion highlights4 records
Aztec Financial competitors and assessment
Company assessmentDirect peers
- Taycor Financial: Parent company that acquired Aztec in 2021; provides the technology infrastructure and broader contractor financing product suite. Directly comparable in product offering (equipment leasing, working capital, lines of credit) but broader in industry coverage.
- Currency Capital: Specialty equipment financing lender focused on small-to-mid market businesses. Closely comparable business model — non-bank equipment leasing and loans — and competes for similar contractor/SMB customers.
- Balboa Capital: Direct equipment financing and leasing competitor for small businesses, offering equipment leasing, working capital, and lines of credit. Closely comparable across customer segment and product mix.
- TimePayment: Equipment financing and leasing specialist serving small businesses and equipment vendors — virtually identical business model to Aztec across leasing structures, vendor partner programs, and SMB underwriting.
- Direct Capital Corporation: Equipment leasing and financing provider focused on small and mid-sized businesses across industries. Comparable product menu (leases, loans, working capital) and vendor partner distribution channel.
- National Funding: Small business financing company offering equipment leasing, working capital, and lines of credit. Directly comparable in target customer and product types though with broader industry coverage.
- Smarter Equipment Finance: Equipment leasing and financing provider targeting small to mid-sized businesses across multiple verticals. Comparable business model with similar product range and inside-sales distribution approach.
Emerging players
- Acquire Finance: Equipment financing platform focused on small businesses, with growing presence in vendor partnership programs. Comparable in niche targeting but smaller scale than Aztec/Taycor.
Broad incumbents
- CIT Group / First Citizens Commercial Finance: Large commercial equipment finance player offering leasing, vendor financing, and capital finance across industries. Operates broadly rather than specializing in Aztec's contractor niche, but represents the competitive ceiling on price and capacity.
- Wells Fargo Equipment Finance: Bank-affiliated equipment finance division offering broad leasing and lending products to businesses. Represents large, well-capitalized incumbents that can compete across pricing and capacity in Aztec's verticals.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights7 records
Customer concentration
Aztec Financial social profiles
Digital presenceAztec Financial compliance and trust
Trust signalCompliance1 record
Aztec Financial financial estimates
Financial estimateRevenue estimate
Valuation estimate
Aztec Financial leadership team
Management profileNumber of profiles
Profiles2 records
Aztec Financial funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Aztec Financial 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 Aztec Financial
What does Aztec Financial do?
Aztec Financial provides commercial financing—equipment leases and loans, commercial vehicle financing, working capital, business lines of credit, and a consumer home-owner support program—for specialty service contractors in cleaning, restoration, HVAC, janitorial, pressure washing, and surface preparation industries. Financing ranges from $500 to $5 million across products, with approvals delivered within hours for qualifying applications up to $250,000. The company also provides fleet sales and vehicle upfitting services that bundle commercial vehicles with custom interior build-outs.
Is Aztec Financial a public or private company?
Aztec Financial is a private company. It is classified as corporate owned and is currently operating.
When was Aztec Financial founded?
Aztec Financial was founded in 1997. It employs 1 to 10 people.
Where is Aztec Financial based?
Aztec Financial is headquartered in South Jordan, United States, in the North America region.
How does Aztec Financial make money?
Five revenue lines are on record. Equipment Leasing and Loans are the primary driver. The others are commercial Vehicle Financing, working Capital Solutions, business Lines of Credit and consumer Finance (Homeowner Support).
Who are Aztec Financial's main competitors?
Direct peers on record are Taycor Financial, Currency Capital, Balboa Capital, TimePayment, Direct Capital Corporation, National Funding and Smarter Equipment Finance. Acquire Finance is listed as an emerging player. Broad incumbents are CIT Group / First Citizens Commercial Finance and Wells Fargo Equipment Finance.
Does Aztec Financial have an API?
No public API is recorded for Aztec Financial.
What industry is Aztec Financial in?
Aztec Financial's product category is Commercial Equipment Financing. Its primary akta.pro industry code is FSAKADAE, Fleet & Commercial Vehicle Finance. Its NAICS code is 52222 and its SIC code is 6159.