Equipment Finance

What Equipment Finance does

Equipment Finance Corporation, doing business as EFC Finance, is a private specialty equipment financing and leasing company headquartered at 219 Roswell Street in Alpharetta, Georgia, founded in 1994 with a headcount of 11-50 employees. The company originates Capital Leases, Operating Leases, Capital Loans, and Debt Refinancing transactions for businesses acquiring new or used manufacturing and industrial equipment, with flexible structuring including fixed, floating, and adjustable rates, variable terms, and various termination and purchase options. Underlying operations are supported by an equipment financing technology platform that handles lease and loan origination, processing, and management, though no AI, API, or proprietary-tech details are disclosed beyond the platform label.

EFC serves eight industrial verticals: Corrugated Packaging, Folding Carton Packaging, Distribution, Transportation, Manufacturing, Printing, Machine Tool, and Plastics, financing equipment categories that include paper converting manufacturing equipment, trucks and trailers, machine tools, printing presses, plastic injection molding, and material handling systems. Distribution is dual-channel: direct marketing to end-users combined with dealer and manufacturer referral partnerships across the Southeastern United States, with phone-based customer contact (678-319-0333) carrying prospects from application through credit approval to closing.

The revenue model blends one-time transactional revenue from capital loans and debt refinancing with recurring lease economics from operating lease arrangements; pricing is quote-based and tailored to individual customer budgetary needs with no public tier structure. EFC guides customers through the full financing process as a relationship-led, custom-structures lender, with no disclosed revenue, funding, ownership, or management-team information beyond headquarters and contact details.

Name

Equipment Finance

Legal name

Equipment Finance Corporation

Website

https://efc-finance.com

Company type

Private

Founded year

1994

Operating status

Operating

Headcount range

11–50 employees

Short description

Equipment Finance Corporation (EFC Finance) is a private, Alpharetta, Georgia-based specialty lender founded in 1994 that originates capital leases, operating leases, capital loans, and debt refinancing for businesses acquiring manufacturing and industrial equipment across eight U.S. industrial verticals via direct and dealer channels.

Ownership category

akta.pro rank

Product category

Commercial Equipment Financing

NAICS

Sales Financing (52222), Sales Financing (522220)

SIC

Finance Lessors (6172), Short-Term Business Credit Institutions (6153), Services-Miscellaneous Equipment Rental & Leasing (7350), Miscellaneous Business Credit Institution (6159)

akta.pro primary industry

SME Equipment & Asset Finance (Leasing, Fleet, Capex) (FSABABAH)

akta.pro secondary industries

Fleet & Commercial Vehicle Finance (FSAKADAE), Commercial Trucking & Heavy Equipment Vehicle Finance (FSAKADAI)

Keywords

• Equipment leasing
• Equipment financing
• Capital loans
• Debt refinancing
• Commercial lending

Headquarters

HQ city

Atlanta

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, Infrastructure, Others

Revenue model

1. Equipment Leasing: Capital and Operating Leases for equipment acquisition, providing balance sheet management and tax advantages for businesses unable to use accelerated depreciation.
2. Capital Loans: Equipment financing secured by lien in acquired equipment, where purchaser receives all ownership benefits.
3. Debt Refinancing: Refinancing services to consolidate existing equipment loans into single transaction, improve cash flow, and lower financing costs.

Go-to-market motion1 record

Distribution channels2 records

Marketing channels3 records

Core offering

Equipment Finance Corporation (EFC Finance) provides commercial equipment financing for new and used manufacturing and industrial equipment. Its core offerings include Capital and Operating Leases with flexible structuring (fixed, floating, and adjustable rates, variable terms, termination and purchase options), Capital Loans secured by a lien on the acquired equipment, and Debt Refinancing to consolidate existing equipment loans into a single transaction with one monthly payment, freeing up working capital.

Product overview

Equipment Finance Corporation (EFC) is a single unified financial services company offering a portfolio of equipment financing products. The core offerings include Leases (Capital and Operating Leases with various structuring options), Capital Loans (equipment-secured financing), and Debt Refinancing solutions. These products work together to serve businesses acquiring or refinancing equipment, with flexible structures including Fixed, Floating and Adjustable Rates, Variable Terms, and various Termination and Purchase Options. EFC serves diverse industries including Corrugated Packaging, Folding Carton Packaging, Distribution, Transportation, Manufacturing, Printing, Machine Tool, and Plastics, funding equipment types such as Paper Converting Manufacturing Equipment, Trucks & Trailers, Machine Tools, Printing Presses, Plastic Injection Molding, and Material Handling.

Differentiator

Problem solved

Functional benefit

Products and services

• Leases Capital and Operating Leases offered to businesses acquiring new or used equipment. Provides balance sheet and cash reserve management benefits, including for businesses unable to take advantage of accelerated tax depreciation. Structuring options include Fixed, Floating and Adjustable Rates, Variable Terms, Variable Structures, Termination Options, and Purchase Options.
• Capital Loans
• Debt Refinancing

Quantifiable outcome

• Free up cash for working capital through equipment financing or refinancing
• +2 more outcomes

Segments6 records

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators4 records

Recent moves4 records

Expansion highlights4 records

Direct peers

• Taycor Financial: Taycor Financial provides equipment financing and leasing for businesses acquiring capital equipment, with industry-vertical coverage and dealer/vendor channels that directly overlap EFC's product set and target segments.
• Ascentium Capital: Ascentium Capital is a direct competitor offering equipment leasing and finance solutions to businesses across diverse industries, with a sales-led GTM and focus on flexible structures comparable to EFC's leases, capital loans, and refinancing offerings.
• GreatAmerica Financial Services: GreatAmerica Financial Services is a closely comparable equipment financing and leasing company specializing in serving niche verticals (including printing, manufacturing, and packaging) through both direct and vendor/dealer channels, mirroring EFC's vertical-segmentation model.
• Balboa Capital: Balboa Capital is a direct competitor providing equipment financing and leasing for small and mid-sized businesses across the U.S., serving multiple verticals including transportation, manufacturing, and printing, with a similar multi-channel dealer and direct sales approach.
• TimePayment: TimePayment is an equipment financing company focused on small-ticket equipment leases and loans for businesses, operating a sales-led model with dealer partnerships that closely mirrors EFC's commercial equipment finance approach.
• Triton Capital: Triton Capital provides commercial equipment leasing and financing, targeting a similar SMB customer base with sales-led origination and flexible structuring, comparable to EFC's leasing and capital loan offerings.
• Stearns Bank: Stearns Bank operates an equipment finance and leasing division serving businesses across multiple industries, offering capital leases, operating leases, and equipment-secured loans similar to EFC's core product suite.

Broad incumbents

• CIT Group (First Citizens Bank): CIT Group, now part of First Citizens Bank, is a large-scale commercial equipment finance provider serving middle-market and SMB borrowers across many verticals with capital leases and loans; it competes with EFC but operates at materially greater scale and scope.
• DLL (De Lage Landen): DLL is a global vendor finance company offering equipment leasing and lending across multiple industries including manufacturing, transportation, and printing, providing a broad-incumbent comparison to EFC's vertically focused equipment finance business.
• Hitachi Capital America: Hitachi Capital America provides commercial equipment finance and leasing for SMB and mid-market customers across U.S. verticals, representing a broader incumbent alternative with overlapping product offerings and dealer/vender channel partnerships.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/equipment-finance-corporation

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 Equipment Finance