What Trio Capital does

Trio Capital (legal entity Channel Partners Capital, LLC d/b/a Trio Capital Solutions) is a U.S.-based, privately held specialty finance company that originates equipment leases/loans and unsecured working capital loans for small businesses. The company's operationally focused in Mount Laurel, New Jersey, with a registered address in Minnetonka, Minnesota, and is described as backed by a leading equipment lease and finance lender operating in the industry since 2008. As of available data, the company has 11-50 employees and was founded in 2009 under the mission of making access to capital "simple and dependable."

Trio's product shelf is concentrated in two core offerings: Equipment Financing (12-84 month terms, same-day approval, credit decisions under 60 minutes, electronic document processing) and Working Capital ($10,000-$250,000 unsecured, 6-24 month terms, 2-4 hour credit decisions, flexible monthly/weekly/daily payment options). Underpinning origination is a dealer-facing technology stack consisting of a web-based application and quoter portal, API connections that let dealer websites embed Trio's application flow, and a sales enablement program ("Power of 3" finance training). The company runs a B2B2C "relationship-first" go-to-market: origination flows both directly from its own website/phone channels and indirectly through dealer and manufacturer partners who embed Trio financing at the point of sale. Dealers are monetized as a channel via the Recurring Referral Rewards (R3) program, growth and performance bonuses, and equipment vendor tradeshow support.

Trio's revenue mechanics combine recurring yield on originated equipment leases and loans with transaction-fee economics on working capital originations. Verticals served are broad within equipment — including audio/visual, automotive, construction, foodservice, hospitality, light industrial, office, security & surveillance, technology, telecommunications, vocational trucks/trailers, and waste management — plus a working capital customer base that spans events, manufacturing, packaging, tire distribution, and construction. Distribution relies on industry association memberships (ELFA, NATDA, SEMA, IEDA, ARA, Brewers Association), tradeshow presence, customer testimonials, and case studies; digital channels (LinkedIn, website inquiry forms) round out top- and bottom-of-funnel activity.

Name

Trio Capital

Legal name

Channel Partners Capital, LLC

Website

https://triocapital.com

Company type

Private

Founded year

2009

Operating status

Operating

Headcount range

11–50 employees

Short description

Trio Capital (Channel Partners Capital, LLC) is a U.S. specialty lender that provides equipment financing (12-84 month terms) and unsecured working capital loans ($10K-$250K) to small businesses, distributed directly and via embedded dealer and manufacturer partnerships.

Ownership category

akta.pro rank

Product category

Equipment Finance & Commercial Lending

NAICS

Sales Financing (522220), Credit Intermediation and Related Activities (522)

SIC

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

akta.pro primary industry

Merchant Cash Advance (MCA) & Revenue-Based Financing (FSAKAGAD)

Keywords

• Equipment financing
• Working capital loans
• Small business lending
• Vendor financing programs
• Commercial equipment leasing

Headquarters

HQ city

Mount Laurel

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Equipment Finance / Lease Originations: Trio originates equipment lease and loan transactions for small businesses, earning interest income and fees over the life of each financed contract. Terms range from 12–84 months. Revenue accrues as the yield on the portfolio.
2. Working Capital Loans: Trio provides unsecured working capital loans of $10,000–$250,000 with 6–24 month repayment terms. Monthly, weekly, or daily payment options. Revenue is generated through interest and origination fees on the loan book.
3. Recurring Referral Rewards (R3) Program: Trio pays dealer partners referral rewards for connecting customers with Trio's financing programs, creating a recurring revenue stream for those dealers. Trio earns origination volume from these referrals.
4. Dealer Partner Programs and Fees: Dealers and manufacturers who partner with Trio gain access to enhanced credit windows, growth and performance bonuses, and quarterly updates. Trio earns on the origination volume driven through its dealer network.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels6 records

Core offering

Trio Capital provides equipment financing (12–84 month terms with same-day approval and credit decisions in under 60 minutes) and unsecured working capital loans ($10,000–$250,000, 6–24 month terms, decisions in 2–4 hours) to small businesses across the United States. The company distributes primarily through equipment dealers, manufacturers, and vendors that embed Trio financing into their sales channels, supported by digital application, quoter, and API tools. Trio also originates loans directly to small business borrowers via its website and sales team.

Product overview

Trio Capital is an equipment finance and working capital partner for small businesses, operating as a lending partner that works with commercial equipment sellers to provide custom finance solutions. The core offerings consist of Equipment Financing (12-84 month terms with same-day approval) and Working Capital loans ($10,000-$250,000, 6-24 month terms). These are complemented by dealer-focused tools including Digital Application and Quoter Tools (with API connections for application portal access), Recurring Referral Rewards (R3) program, and Power of 3 Finance Training. Trio serves a wide range of industries including Audio/Visual, Automotive, Construction, Foodservice, Hospitality, Light Industrial, Office, Security & Surveillance, Technology, Telecommunications, Vocational Trucks and Trailers, and Waste Management.

Differentiator

Problem solved

Functional benefit

Products and services

• Equipment Financing Commercial equipment lease and loan financing for small business equipment buyers with 12–84 month terms, flexible payment options, same-day approval to funding, credit decisions in under 60 minutes, and electronic document processing.
• Working Capital Loans Unsecured working capital financing of $10,000 to $250,000 with 6–24 month terms, credit decisions in 2–4 hours, and flexible payment options (monthly, weekly, or daily), for inventory, materials, remodeling, marketing, and other small business operational needs.
• Recurring Referral Rewards (R3) Program Recurring referral program that lets equipment dealers earn ongoing income for connecting customers with Trio's financing programs.
• Power of 3 Finance Training Sales training program teaching equipment dealers and their sales teams how to effectively offer Trio's financing solutions to customers.

Quantifiable outcome

• Working capital loan from application to funding completed in one day
• +5 more outcomes

Named customers9 records

Segments3 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability2 records

Feature3 records

Partnerships

Six partnerships are on record, tiered minor.

• NATDA (North American Trailer Dealers Association)minorOthersTrio Capital is a member of NATDA, an industry trade association for trailer dealers. Membership indicates industry participation and networking but no specific co-development or commercial partnership is described.
• SEMA (Specialty Equipment Market Association)minorOthersTrio Capital holds a membership with SEMA, the trade association for the automotive specialty equipment industry. Membership signals industry engagement.
• IEDA (Independent Equipment Dealers Association)minorOthersTrio Capital is a proud member of IEDA, an association representing independent equipment dealers. This membership reinforces Trio's positioning in the equipment dealer ecosystem.
• Brewers AssociationminorOthersTrio Capital holds a membership with the Brewers Association, indicating engagement with the craft brewing industry's supplier and equipment ecosystem.
• ARA (American Rental Association)minorOthersTrio Capital is an associate member of ARA, the trade association for the equipment rental industry. Membership aligns with Trio's focus on equipment financing.
• ELFA (Equipment Leasing and Finance Association)minorOthersTrio Capital is a member of ELFA, the premier trade association for the equipment leasing and finance industry. Leadership team members participate in ELFA committees including the Independent Business Council Steering Committee. ELFA membership is a mark of industry credibility and standards adherence.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Marlin Capital Solutions: Marlin is one of the largest independent equipment finance providers to small and mid-sized businesses in the U.S., offering leases and loans across many of the same verticals as Trio (construction, foodservice, automotive, etc.). Trio's CEO, President, and CSO all came from Marlin leadership, making it the closest direct comp and reference point for portfolio construction and underwriting.
• Balboa Capital: Balboa Capital is a direct, online-oriented equipment lessor and working capital lender to U.S. SMBs, with a dealer/ISO channel and digital application platform similar to Trio's. Both target small to mid-ticket equipment and fast-turnaround working capital for similar customer profiles.
• TimePayment: TimePayment is a fintech-enabled equipment finance company that originates leases and loans for SMBs through a national dealer and vendor network, closely paralleling Trio's B2B2C equipment financing model with API and portal integration capabilities.
• Currency Capital: Currency Capital is an equipment finance marketplace and lender that connects SMB equipment buyers with multiple financing sources and also originates directly, overlapping with Trio's blend of digital application tools and dealer-vendor embedded financing.
• National Funding: National Funding is a non-bank SMB lender offering working capital loans, equipment financing, and merchant cash advance to small businesses nationwide — a near-twin product set to Trio's and a comparable customer demographic.
• Fora Financial: Fora Financial is one of the larger SMB working capital / MCA providers in the U.S., serving small businesses with fast-turnaround unsecured capital. Comparable to Trio's $10K–$250K unsecured working capital product in target customer, ticket size, and speed-to-fund.
• Amur Financial (formerly CAN Capital): Amur Financial operates the former CAN Capital, one of the longest-running SMB working capital lenders in the U.S., serving a similar small business borrower profile with short-term, unsecured capital products comparable to Trio's working capital loan offering.
• Fundbox: Fundbox provides SMB working capital lines and term loans via a fully digital platform, targeting similar SMB segments as Trio with rapid decisioning. While it leans more tech/PLG, it overlaps directly on product and customer.
• Credibly: Credibly is a direct online SMB lender providing working capital, term loans, and lines of credit to small businesses across the U.S., with comparable ticket sizes, speed, and underwriting posture to Trio's working capital product.

Broad incumbents

• OnDeck (Envision Financial / Envision Capital Group): OnDeck was a pioneering online SMB term loan and line-of credit provider serving a similar small business borrower base as Trio's working capital customers, with broader product scope and broader brand reach as part of Envision. Comparable as an SMB online incumbent, though not equipment-finance specialist.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/trio-capital-solutions

Revenue estimate

Valuation estimate

Number of profiles

Profiles8 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 Trio Capital