Trust Capital,Llc

What Trust Capital,Llc does

Trust Capital, LLC is a San Diego-based private equipment financing and business working capital company that operates nationwide across the United States. The company provides equipment leasing, equipment loans, working capital financing, SBA loans, sale-leaseback arrangements, and business lines of credit to small and mid-sized businesses across more than 30 equipment sub-categories. Healthcare and medical equipment financing (covering CT, MRI, X-ray, dental, ultrasound, endoscopy, optometry, pharmacy, physical therapy, veterinary, medical lasers, and PAC systems) is the primary vertical, with additional specialization in transportation, construction, cannabis/hemp, industrial, agriculture, and hospitality. Customer deal sizes range from approximately $1,000 for small-ticket working capital to $50 million for middle-market transactions, with startup-focused programs requiring only a 600+ FICO score and a one-page application for amounts up to $350,000.

The company's technology infrastructure centers on a direct online application platform capable of delivering credit decisions within 1-2 hours and same-day funding at a 96% rate, supported by an Assurance Partner Program portal (AssurancePartnerProgram.com) that gives equipment vendor partners e-signature integration, real-time transaction tracking, co-branded application portals, and automated sales workflow tools. Revenue is generated through interest payments, lease payments, and fee-based structures on equipment financing arrangements, with revenue model types including recurring (leases, term loans, working capital) and transactional (vendor financing, sale-leaseback) streams. The company claims an 89% approval rate, 100% purchase financing including soft costs (shipping, installation, taxes), and emphasizes ethical practices such as no blanket liens and no prepayment penalties after 18 months.

Go-to-market combines an inside-sales model (website application and toll-free phone 866-458-4777) with a channel partner program targeting equipment vendors, manufacturers, and dealers. The company is founder-operated with no disclosed outside investment or institutional backing, reporting 1-10 employees and operating from its San Diego headquarters under the DBA Trust Capital USA.

Name

Trust Capital,Llc

Legal name

Trust Capital, LLC

Website

https://trustcapitalusa.com

Company type

Private

Founded year

2004

Operating status

Operating

Headcount range

1–10 employees

Short description

Trust Capital, LLC is a San Diego-based private equipment financing and business working capital company serving small and mid-sized U.S. businesses across healthcare, transportation, construction, cannabis, and 30+ other equipment verticals through leasing, loans, and a vendor partner program.

Ownership category

akta.pro rank

Headquarters

HQ city

San Diego

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Equipment Leasing: Trust Capital generates revenue through equipment leasing arrangements including capital leases ($1 dollar buyout), fair market value leases, tax leases, and master lease lines. They offer fixed monthly payments and various lease structures to businesses across multiple industries.
2. Equipment Financing/Loans: Direct equipment financing where Trust Capital provides funds to purchase equipment, recovering principal plus interest over the loan term. They offer term loans, bridge loans, and revolving lines of credit with terms from 2-15 years for middle market transactions up to $50 million.
3. Vendor Financing Program: Trust Capital provides private label financing solutions to equipment vendors, helping them increase sales by offering their customers easy payment solutions. Revenue comes from the financing arrangements established through vendor partnerships.
4. Working Capital Loans: Business working capital loans providing cash for operational needs, debt consolidation, and growth initiatives. These include healthcare working capital, construction working capital programs, and business cash advances for companies with damaged credit.
5. SBA Loans: Express SBA loan program providing loans of $350,000 or less approved in hours, and loans up to $5 million approved within 4-6 business days. Trust Capital offers the fastest approval decision SBA loan program in the industry.
6. Sale-Leaseback: For businesses that currently own equipment, Trust Capital provides working capital by purchasing the equipment and leasing it back. This provides liquidity without blanket liens on remaining equipment.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels6 records

Core offering

Trust Capital is a national equipment financing and business working capital company that provides equipment leasing, equipment loans, working capital loans, lines of credit, SBA loans, sale-leaseback, and vendor financing programs to U.S. businesses across industries including healthcare, transportation, construction, industrial, agriculture, cannabis, and hospitality. It also operates an Assurance Partner Program that enables equipment vendors to offer Trust Capital financing to their customers through a co-branded portal.

Product overview

Trust Capital is a national equipment financing and business working capital company offering a comprehensive suite of financial products and services. The core offering consists of equipment leasing and financing programs organized across multiple verticals including startup equipment financing, middle market loans, and specialized industry verticals. The product portfolio is structured as a platform with multiple program types (Startup Equipment Financing, Middle Market Loans, Business Working Capital Loans, Business Line of Credit, Express SBA Loan Program) as the foundation, supported by specialized financing programs including Vendor Financing Program, Sale Leaseback Program, and Equipment Plus Cash Program. Medical equipment financing represents a significant vertical covering 13 sub-categories including CT, MRI, X-Ray, Ultrasound, Dental, Optometry, Endoscopy, Medical Lasers, Physical Therapy, Veterinary, Pharmacy, PAC Systems, and EMR/EHR. The Assurance Partner Program provides an add-on portal with e-signature and reporting tools for vendor partners. Educational resources and calculation tools (Why Lease, How Financing Works, Equipment Lease Types, Section 179 Calculator) support the core financing products.

Differentiator

Problem solved

Functional benefit

Products and services

• Startup Equipment Financing Equipment financing program specifically for startup businesses, offering up to $100,000 with a one-page application and up to $3,000,000 with financial disclosure, with 12-72 month fixed payment terms and no prepayment penalties.
• Middle Market Loans Advisory-based financing for middle market companies with transactions up to $50 million, including capital leases, tax leases, master lease lines, off-balance sheet financing, TRAC leases, term loans, and bridge financing with 2-15 year terms.
• Commercial Truck Financing & Fleet Leasing Commercial transportation financing program offering flexible payment plans including $99 first 6 months, 90-day deferral, seasonal variations, and 0% interest options for 24 months with 20% buyout, with deals up to $50 million.
• Construction Equipment Financing Heavy equipment financing and leasing for construction companies offering up to $350,000 with simple application and up to $50,000,000 with financial disclosure, including working capital programs and invoice factoring.
• Equipment Leasing & Finance General equipment leasing and financing services for all industries, offering up to $350,000 with simple application and up to $10,000,000 with financial disclosure, covering FF&E without requiring real estate as collateral.
• Medical Equipment Financing Comprehensive medical equipment financing program with over 15 years of experience, offering up to $250,000 with simple application and up to $5,000,000 with financial disclosure, covering all new and used medical equipment including CT, MRI, X-Ray, ultrasound, dental, laser, endoscopy, optometry, pharmacy, PAC systems, physical therapy, and veterinary.
• Business Line of Credit Fast approval business credit line program offering $5,000 to $250,000 with rates as low as 4.8% and approvals in as little as 20 minutes, with 24-month terms and fixed weekly or monthly payments; funds replenish as paid back.
• Business Working Capital Loans Working capital loans for new and growing businesses offering up to $1,000,000 with competitive rates starting at 6.99%, no hard collateral required, and fixed monthly payments with terms up to 60 months.
• Express SBA Loan Program SBA loan program offering loans of $350,000 or less approved in hours and loans up to $5 million approved within 4-6 business days, with savings of up to $2,500 for veterans.
• Sale Leaseback Program Equipment sale leaseback program offering working capital terms from $50,000 to $25,000,000 with 24-60 month terms, competitive rates, and UCC filing on equipment with no blanket liens on remaining equipment.
• Equipment Plus Cash Program Program allowing customers to add up to 25% of equipment cost in working capital on top of equipment funding approval, with fixed monthly payments at 7-11% on terms up to 60 months; requires 680+ FICO and 2+ years in business.
• Vendor Financing Program Vendor finance program for equipment dealers and manufacturers offering application-only approvals up to $350,000, credit decisions in 2 hours or less, pre-funding, soft cost financing, and marketing support to help vendors offer financing to their customers.
• Assurance Partner Program Online sales management and marketing portal (AssurancePartnerProgram.com) for equipment vendor partners providing real-time transaction information, e-signature integration, robust reporting features, and quote tools to enable private-label financing offers to customers.

Quantifiable outcome

• 89% approval rate compared to traditional lenders who reject more applications
• +4 more outcomes

Named customers15 records

Segments8 records

Ideal customer profiles6 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

Feature3 records

Partnerships

One partnership is on record.

• Better Business Bureau (BBB)minorOthersTrust Capital displays the BBB accreditation seal on their website, indicating they are BBB accredited in San Diego, CA. This provides business credibility and consumer trust signals.

Scale indicators8 records

Recent moves4 records

Expansion highlights6 records

Broad incumbents

• DLL: Global equipment finance vendor finance specialist partnering with manufacturers and dealers across verticals (agriculture, healthcare, transportation). Compares to Trust Capital's vendor financing model.
• U.S. Bank Equipment Finance: Large bank's equipment financing division providing capital leases, loans, and vendor finance programs. Broad coverage including healthcare equipment, overlapping with Trust Capital's verticals.
• CIT Group (First Citizens Bank): Major equipment finance provider covering commercial, healthcare, and industrial verticals. Significantly larger scale than Trust Capital but overlapping product/customer base.
• Truist Equipment Finance: Equipment finance arm of Truist Financial serving middle market and SMB equipment needs. Overlaps with Trust Capital in healthcare and commercial equipment.
• Wells Fargo Equipment Finance: Large bank's equipment finance division offering leasing, loans, and vendor programs nationally. Overlaps broadly with Trust Capital's offerings but operates at much larger scale and balance sheet.

Direct peers

• Crest Capital: Small business equipment leasing and financing provider serving similar verticals (medical, transportation, etc.). Comparable in product focus and SMB customer profile.
• Balboa Capital: California-based equipment leasing and financing company serving SMBs. Directly comparable to Trust Capital in target market, product suite (equipment leasing, working capital, SBA), and channel-based distribution.
• Marlin Capital Solutions: Equipment leasing company providing financing to small and mid-sized businesses across diverse equipment categories. Comparable size, customer type, and product breadth.
• Live Oak Bank: Specialty commercial bank heavily focused on equipment financing and vertical niches (healthcare, dental, veterinary, etc.). Strongly overlaps with Trust Capital's medical equipment vertical.
• Ascentium Capital: SMB equipment financing and leasing company offering direct and vendor channel programs. Overlaps with Trust Capital's core SMB equipment finance offering and multi-vertical coverage.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks7 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/trust-capital-llc

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 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 Trust Capital,Llc