Team Financial Group

Name

Team Financial Group

Legal name

Team Financial Group LLC

Website

https://teamfinancialgroup.com

Company type

Private

Founded year

2001

Operating status

Operating

Headcount range

11–50 employees

Ownership category

akta.pro rank

Product category

Commercial Equipment Financing

NAICS

Sales Financing (52222)

SIC

Finance Lessors (6172)

akta.pro primary industry

Equipment Financing / Leasing (Venture-backed) (FSANAIAE)

Keywords

• Commercial equipment financing
• Equipment leasing solutions
• Business equipment loans
• Vendor financing partnerships
• Energy efficiency financing

Headquarters

HQ city

Grand Rapids

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Equipment Financing: Provides commercial equipment financing solutions including loans, leases, and equipment finance agreements (EFAs) to businesses across multiple industries. Generates revenue through interest and financing fees on funded deals.
2. $1 Buyout Lease: Capital lease option where businesses own equipment throughout the lease term and purchase at end for $1. Monthly payments include finance charges rolled into fixed amounts.
3. Fair Market Value (FMV) Lease: Operating lease option for technology and equipment that may become obsolete. Allows return, purchase at FMV, or continuation at end of term.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels4 records

Core offering

Team Financial Group is an independently owned commercial equipment financing company that provides loans, leases, and equipment finance agreements to help businesses acquire equipment across manufacturing, construction, technology, transportation, agriculture, and energy efficiency sectors. Offerings include $1 Buyout Leases, Fair Market Value (FMV) Leases, Equipment Finance Agreements, and 0% Energy Efficiency Financing through a partnership with Michigan Saves, with same-day approval capabilities and no down payment required.

Product overview

Team Financial Group is an independently owned commercial equipment financing company offering a unified portfolio of financing solutions. The core offering is Commercial Equipment Financing, supplemented by specialized products including $1 Buyout Leases (for long-term asset ownership), Fair Market Value (FMV) Leases (for technology and frequently upgraded equipment), and Equipment Finance Agreements (hybrid loan-lease products). The company also provides Energy Efficiency Financing for green projects and Technology Leasing for IT equipment. An online Equipment Lease Calculator tool supports the sales process. All products emphasize fast approval, flexible terms, and common-sense lending principles serving businesses across manufacturing, construction, technology, transportation, agriculture, and other industries.

Differentiator

Problem solved

Functional benefit

Products and services

• Commercial Equipment Financing Core commercial equipment financing service offering loans, leases, and equipment financing agreements that help businesses acquire equipment through flexible payment options, serving customers across manufacturing, construction, technology, transportation, agriculture, and energy efficiency.
• $1 Buyout Lease Capital lease option where the lessee owns the equipment throughout the lease term and purchases it at the end for $1, with fixed monthly payments that include rolled-in finance charges. Ideal for long-term assets that retain value.
• Fair Market Value (FMV) Lease Operating lease option for technology and equipment that may become obsolete. The lessee makes fixed payments and has options at term end to return the equipment, purchase it at fair market value, or continue leasing.
• Equipment Finance Agreement (EFA) Hybrid financing product combining elements of a loan, security agreement, and promissory note into a single document, with flexible ownership and payment structures.
• Energy Efficiency Financing Financing solutions for green and renewable energy projects including solar power, HVAC, LED lighting, boilers, and EV charging stations. Offers 0% financing for Michigan customers through the Michigan Saves partnership for projects up to $150,000.
• Technology Leasing Flexible financing options for technology equipment including copiers, printers, servers, IT equipment, phone systems, and software using fair market value lease structures.

Quantifiable outcome

• Same-day processing available for financing applications
• +2 more outcomes

Named customers6 records

Segments6 records

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Partnerships

One partnership is on record.

• Michigan SavescoreStrategic or Co-development PartnerPartnership with Michigan Saves, a local nonprofit, to serve as a qualified lender providing businesses with affordable financing for energy improvement projects. This partnership enables Team Financial Group to offer 0% financing for projects up to $150,000 for Michigan customers.

Scale indicators2 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• TimePayment: Equipment financing company focused on SMBs and vendor partnerships, providing leases and loans across multiple equipment types. Comparable vendor-channel-driven origination model.
• Currency Capital: Online equipment financing marketplace/lender serving SMBs across multiple verticals with fast digital applications. Directly comparable online-application and same-day approval positioning to Team Financial.
• Ascentium Capital: Specialty equipment finance lender offering leases and loans to SMBs across verticals including manufacturing, transportation, and technology. Closely comparable customer and product scope.
• Direct Capital: Direct equipment financing and leasing company serving SMBs with a multi-vertical product suite. Overlaps heavily with Team Financial on customer profile and lease/loan structures.
• Marlin Capital Solutions: Direct equipment financing and leasing provider to small and mid-sized businesses across industries. Comparable product mix (capital and FMV leases, EFAs) and SMB customer profile.
• LEAF Commercial Capital: Equipment leasing and finance company serving SMBs through vendor and direct channels. Comparable product mix and customer base in equipment leasing.
• Balboa Capital: Independent direct lender providing equipment financing and leasing to SMBs across industries, with similar speed-of-decision and vendor partnership model. Closely comparable in customer segment and product mix to Team Financial Group.
• Crest Capital: Independent equipment financing company serving SMBs nationwide with leases and loans for trucks, construction, manufacturing, and other equipment. Direct competitor in similar verticals.

Broad incumbents

• Wells Fargo Equipment Finance: Large bank-affiliated equipment finance group serving mid-market and larger SMBs across virtually the same verticals. Represents the incumbent competitor Team Financial differentiates against on speed and flexibility.
• CIT Group (Equipment Finance): Major commercial lender with a sizable equipment finance franchise serving SMB through large corporate customers. Broad incumbent overlap in transportation, manufacturing, and construction verticals.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/TeamFinancialGP
• Facebookfacebook.com/teamfinancialgroup
• LinkedInlinkedin.com/company/team-financial-group-inc-

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 Team Financial Group