Wheaten Financial
- Company typePrivate
- Founded2007
- HeadquartersCosta Mesa, United States
- Headcount1–10
- GTM typeB2B
- OfferingServices
Wheaten Financial firmographics
Firmographics- Name
- Wheaten Financial
- Legal name
- TimePayment Corp.
- Website
- https://wheatenfinancial.com
- Company type
- Private
- Founded year
- 2007
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Ownership category
- akta.pro rank
Where Wheaten Financial is headquartered
LocationHeadquarters
- HQ city
- Costa Mesa
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Wheaten Financial business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Others
Revenue model
- Equipment Financing/Leasing: TimePayment generates revenue by providing equipment financing solutions that turn up-front costs into simple monthly payments. The company serves as an intermediary connecting vendors, brokers, and buyers in equipment financing transactions, earning fees and interest from financing arrangements.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Monthly | Flexible equipment financing programs for credit profiles ranging from Excellent down to 550 FICO score |
Go-to-market motion3 records
Distribution channels4 records
Marketing channels4 records
Wheaten Financial product offering
Product offeringCore offering
Wheaten Financial, as represented by the TimePayment platform, provides equipment financing and leasing solutions that connect equipment vendors/sellers, brokers, and buyers. It enables equipment sellers to offer affordable monthly payment financing at point of sale, turning up-front equipment costs into simple monthly payments across more than 50 industry verticals. The company supports its financing with proprietary technology portals (InfoHub™, MyAccount Manager™, QuickQuote™) and back-office services including invoicing, pass-through billing, processing, and customer service.
Product overview
TimePayment is an equipment financing technology platform that connects vendors to customers, buyers to equipment, and brokers to financing options. The core platform provides equipment financing and leasing services with technology for processing applications. Supporting products include InfoHub™ (partner/dealer portal for applications and growth tracking), QuickQuote™ (lease payment calculator for buyers), and MyAccount Manager™ (customer account management portal). The platform supports 50+ industries including restaurant, automotive, salon, printing, veterinary, and more.
Differentiator
Problem solved
Functional benefit
Products and services
- TimePayment Equipment Financing Platform
Quantifiable outcome
- Get approval on credit profiles ranging from Excellent down to a 550 FICO score
Companies that use Wheaten Financial
Customer profileSegments3 records
Ideal customer profiles3 records
Wheaten Financial technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature4 records
Wheaten Financial partnerships and signals
Strategic signalPartnerships
Three partnerships are on record, tiered minor.
- Equipment Finance Leasing Association (EFLA)minorTimePayment is associated with EFLA, an industry association for equipment finance and leasing companies. This membership indicates industry standing and adherence to industry standards.
- National Equipment Finance Association (NEFA)minorTimePayment maintains membership in NEFA, a professional association serving the equipment finance industry and providing networking and education opportunities.
- American Association of Commercial Finance Brokers (AACFB)minorTimePayment is affiliated with AACFB, an association representing commercial finance brokers and supporting the commercial financing industry.
Scale indicators2 records
Recent moves1 record
Expansion highlights4 records
Wheaten Financial competitors and assessment
Company assessmentDirect peers
- TimePayment Corp. Equipment financing platform with channel partner, broker, and direct SMB origination across 50+ industries. Direct overlap with Wheaten's stated equipment financing model; given the data dependency in Wheaten's source, TimePayment may also be a partner or platform provider.
- National Funding: US SMB-focused alternative lender providing working capital and equipment financing. Overlaps in target customer, subprime-inclusive underwriting, and multi-channel origination.
- Balboa Capital: Direct lender offering equipment financing and working capital to US SMBs across verticals including restaurant, automotive, and healthcare. Closely comparable product set, target customer, and multi-channel origination model.
- Currency Capital: Online equipment financing marketplace connecting SMB equipment buyers with multiple lenders. Comparable digital-first, multi-lender SMB equipment finance model.
- Crest Capital: US equipment financing lender serving SMBs across numerous equipment types. Similar vertical diversification and vendor/broker channel structure.
- Ascentium Capital: Specialty equipment finance company serving a wide range of equipment verticals with vendor, broker, and direct channels. Comparable credit breadth and channel-led GTM.
- Marlin Capital Solutions: Equipment leasing and financing provider for SMBs across diverse industries. Closely aligned customer profile, product mix, and broker/vendor origination channels.
Emerging players
- Currency (Currency Finance): Digital-first equipment financing marketplace focused on SMBs with a streamlined online application experience. Comparable tech-enabled UX but more focused on aggregation than direct origination.
Broad incumbents
- CIT Group (First Citizens Bank): Large commercial bank with a substantial equipment finance vertical serving middle-market and SMB customers. Provides scale and capital advantages but a much broader portfolio than Wheaten.
- DLL (De Lage Landen): Global vendor finance company offering equipment financing solutions across multiple industries. Comparable vendor/embedded finance motion but with substantially larger scale and geographic footprint.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat5 records
Key risks6 records
Key highlights5 records
Customer concentration
Wheaten Financial social profiles
Digital presenceWheaten Financial financial estimates
Financial estimateRevenue estimate
Valuation estimate
Wheaten Financial leadership team
Management profileNumber of profiles
Wheaten Financial funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Wheaten 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 Wheaten Financial
What does Wheaten Financial do?
Wheaten Financial, as represented by the TimePayment platform, provides equipment financing and leasing solutions that connect equipment vendors/sellers, brokers, and buyers. It enables equipment sellers to offer affordable monthly payment financing at point of sale, turning up-front equipment costs into simple monthly payments across more than 50 industry verticals. The company supports its financing with proprietary technology portals (InfoHub™, MyAccount Manager™, QuickQuote™) and back-office services including invoicing, pass-through billing, processing, and customer service.
Is Wheaten Financial a public or private company?
Wheaten Financial is a private company. It is classified as unknown and is currently operating.
When was Wheaten Financial founded?
Wheaten Financial was founded in 2007. It employs 1 to 10 people.
Where is Wheaten Financial based?
Wheaten Financial is headquartered in Costa Mesa, United States, in the North America region.
How does Wheaten Financial make money?
One revenue line is on record: equipment Financing/Leasing.
Who are Wheaten Financial's main competitors?
Direct peers on record are TimePayment Corp., National Funding, Balboa Capital, Currency Capital, Crest Capital, Ascentium Capital and Marlin Capital Solutions. Currency (Currency Finance) is listed as an emerging player. Broad incumbents are CIT Group (First Citizens Bank) and DLL (De Lage Landen).
Does Wheaten Financial have an API?
No public API is recorded for Wheaten Financial.