Mitsubishi HC Capital Canada

What Mitsubishi HC Capital Canada does

Mitsubishi HC Capital Canada is a privately held, Canadian-domiciled specialty financing company (legal entity Mitsubishi HC Capital Canada, Inc., headquartered in Trois-Rivières, Québec) and a wholly-owned subsidiary of Mitsubishi HC Capital America, Inc., itself part of the Mitsubishi HC Capital Group. Together with its US parent, the firm delivers customized commercial and equipment financing across North America through 13 offices and 700+ employees, holding $7 billion in combined owned and managed assets and serving 64,000+ customers. There is no proprietary technology platform described; the offering is built around bespoke financial structures rather than software.

The product set is organized into two categories. Commercial Finance comprises asset-based lending, capital markets, project and structured financing, senior secured cash flow loans, technology channel financing, and trade and supply chain financing. Equipment Finance comprises As-a-Service financing, equipment leases and loans, FMV leases, inventory financing, TRAC lease financing, and vendor programs. Terms range from 12 to 60+ months with highly customizable payment structures (monthly, quarterly, deferred, skip, pay-per-use, bridge-to-budget, and step lease programs) and end-of-term options including FMV purchase, renewal, or upgrade. Underwriting spans 11 verticals: industrial equipment, construction, EV and charging infrastructure, healthcare, technology, transportation, cleantech, franchise, insurance, manufacturing, and distribution.

The go-to-market model is consultative and sales-led, combining direct enterprise sales, inside sales via online contact forms, and third-party channel sales through OEM/dealer vendor programs. Pricing is fully customized per deal and is not publicly disclosed; revenue economics stem from a mix of transaction-fee income on commercial finance arrangements and recurring lease/equipment finance income. The firm is privately held with no funding rounds, acquisitions, leadership changes, or M&A disclosed in the source data, and revenue and ARR are not publicly reported. Bilingual (EN/FR) Canadian operations and alternate trade names (Mitsubishi HC Capital Canada Leasing; Customer Payment Solutions / CPS Solutions de Paiement Client) indicate localized distribution in Quebec and broader Canada.

Name

Mitsubishi HC Capital Canada

Legal name

Mitsubishi HC Capital Canada, Inc.

Website

https://mhccna.com

Company type

Private

Founded year

2016

Operating status

Operating

Headcount range

101–250 employees

Short description

Mitsubishi HC Capital Canada is a Canadian specialty financing subsidiary of Mitsubishi HC Capital America, providing customized commercial and equipment leasing and loans to businesses across 11 industry verticals in North America.

Ownership category

akta.pro rank

Product category

Specialty Commercial and Equipment Financing

NAICS

Sales Financing (52222), Sales Financing (522220), Credit Intermediation and Related Activities (522)

SIC

Short-Term Business Credit Institutions (6153), Miscellaneous Business Credit Institution (6159)

akta.pro primary industry

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

akta.pro secondary industries

Supply Chain Finance (Trade Credit, PO/Inventory Financing) (FSAKAGAE), Specialty Finance / Structured Credit (FSANADAE), SME Trade Finance & Working Capital (LCs, Guarantees, Receivables) (FSABABAF), Debt Capital Raising Intermediation (Private Debt/Mezzanine/Bonds) (FSAEALAM)

Keywords

• Commercial lending
• Equipment leasing
• Asset-based lending
• Vendor financing
• Specialty financing

Headquarters

HQ city

Trois-rivières

HQ country

Canada

HQ region

North America

Offices3 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Commercial Finance: Commercial finance solutions including asset-based lending, capital markets, project and structured financing, senior secured cash flow loans, technology channel financing, and trade and supply chain financing. These are customized financing arrangements for businesses.
2. Equipment Finance: Equipment financing solutions including As-a-Service financing, equipment leases and loans, FMV (fair market value) leases, inventory financing, TRAC lease financing, and vendor programs. Solutions help businesses obtain equipment, tools, and technology through flexible payment structures.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels4 records

Core offering

Mitsubishi HC Capital Canada provides customized specialty financing solutions to businesses across North America, organized into two product lines: Commercial Finance (asset-based lending, capital markets, project and structured financing, senior secured cash flow loans, technology channel financing, and trade and supply chain financing) and Equipment Finance (As-a-Service financing, equipment leases and loans, FMV leases, inventory financing, TRAC lease financing, and vendor programs). Financing is delivered via a consultative, relationship-based sales approach with customizable payment structures and terms of 12 to 60+ months across 11 industry verticals.

Product overview

Mitsubishi HC Capital Canada is a specialty financing company providing customized business financing solutions across North America. The company operates two main product categories: Commercial Finance solutions (Asset-based lending, Capital markets, Project and structured financing, Senior secured loans, Technology channel financing, and Trade and supply chain financing) and Equipment Finance solutions (As-a-Service financing, Equipment leases and loans, FMV leases, Inventory financing, TRAC lease financing, and Vendor programs). The portfolio also includes industry-specific financing serving sectors such as Cleantech, Construction, Distribution, EV and charging infrastructure, Franchise, Healthcare, Industrial, Insurance, Manufacturing, Technology, and Transportation.

Differentiator

Problem solved

Functional benefit

Products and services

• Asset-based lending

Segments11 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators3 records

Recent moves5 records

Expansion highlights6 records

Direct peers

• Truist Equipment Finance: Equipment finance arm of Truist Financial providing lease and loan products for commercial equipment across verticals. Direct competitor in mid-ticket commercial equipment financing, with similar customer profile and product structure (FMV, TRAC, capital leases).
• Merchants Fleet: US-based fleet management and vehicle leasing company serving commercial customers across North America. Comparable transportation vertical, asset-heavy lease portfolio, and relationship-driven fleet financing model.
• Ascentium Capital: US-based equipment finance company specializing in vendor financing programs, equipment leases, and loans across multiple verticals. Highly comparable product mix (FMV leases, TRAC, vendor programs) and customer base of SMB/mid-market equipment buyers.
• Element Fleet Management: Leading fleet management and vehicle financing services provider operating in North America. Directly comparable in the transportation / fleet leasing sub-vertical MHCC serves, with similar financing structures (TRAC leases, FMV leases).
• DLL (De Lage Landen): Global vendor finance specialist wholly owned by Rabobank, with deep North American equipment financing operations in agriculture, construction, transportation, and healthcare. Directly comparable vendor-program-led model, asset-heavy finance, and industry-vertical specialization.
• GreatAmerica Financial Services: Large US equipment leasing and financing company focused on commercial SMB equipment, with industry verticals including technology, healthcare, and manufacturing. Comparable customer segment, equipment finance product mix, and consultative sales approach.
• Hitachi Capital America: US subsidiary of Hitachi Capital offering vendor and equipment financing programs with cross-border North American capability. Near-identical business model to MHCC: Japanese parent, US/Canadian specialty finance, vendor program emphasis, and equipment leasing across multiple industry verticals.

Broad incumbents

• Wells Fargo Equipment Finance: Large equipment finance division of Wells Fargo offering commercial equipment leasing and loans across many verticals. Broader incumbent with bank balance-sheet funding advantage and greater scale, but overlapping product and customer overlap.
• JPMorgan Chase Equipment Finance: Equipment and asset financing division of JPMorgan Chase Bank, providing lease and loan products for commercial equipment. Major-bank balance sheet, broad product set, and direct overlap with MHCC's commercial and structured finance offerings.

Emerging players

• Leaf Capital Management: US-based digital lender specializing in equipment financing and small business loans through embedded point-of-sale and vendor partnerships. Comparable vendor finance distribution model, though with a stronger technology focus and SMB tilt than MHCC's mid-market orientation.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights7 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

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 Mitsubishi HC Capital Canada