What Coastal Capital Group does

Coastal Capital Group, Inc. is an alternative business finance company founded in 2009 and headquartered in Boca Raton, Florida, with an additional office in Huntington, New York. The company originates equipment leases, small business term loans, merchant cash advances, accounts receivable factoring, asset-based revolving credit, purchase order financing, and sale-leaseback transactions, spanning ticket sizes from $3,000 to $10,000,000 and covering all 50 U.S. states plus Canada. Its underwriting is criterion-flexible: credit, asset, or cash-flow qualification paths are supported, with stated product features including 24-hour funding on multiple programs, no industry or credit-score restrictions, and approval rates of 98% for served profiles. Vertical specializations include healthcare receivables financing, construction contractor financing on projects of $500,000 and above, and Class 8 trucking leases.

The technology stack is oriented toward origination rather than analytics. The company operates secured online application portals with 24/7 availability and a multi-platform underwriting system that routes deals across in-house direct lending (via affiliate Sales Finance Company) and a network of unnamed national lenders to identify the best terms for each client. There is no disclosed API, mobile app, or proprietary data or AI capability. Membership in the National Association of Equipment Lease Brokers (NAELB) provides an external governance anchor.

Coastal Capital runs a sales-led, phone-centric go-to-market with 24/7 inside-sales coverage, a self-serve online application surface, organic social presence (Facebook, LinkedIn, Twitter), and a Vendor Finance Program that embeds its financing into equipment dealers' sales process as a referral channel. Revenue is generated through interest, lease payments, factor rates, discount fees on factored invoices, and origination fees, with billing cadences that vary by product—monthly for term loans and leases, pay-as-you-go for MCAs, factoring, and PO financing. The company is privately held with no disclosed parent, institutional investors, or funding rounds, and operates at a headcount of 11–50 employees.

Name

Coastal Capital Group

Legal name

Coastal Capital Group, Inc

Website

https://coastalcapitalgroupinc.com

Company type

Private

Founded year

2009

Operating status

Operating

Headcount range

11–50 employees

Short description

Coastal Capital Group is an alternative business finance company that originates equipment leases, term loans, merchant cash advances, factoring, and asset-based credit lines for small and medium-sized businesses across all 50 U.S. states and Canada, serving credit-challenged and startup borrowers that traditional banks decline.

Ownership category

akta.pro rank

Product category

Alternative Business Lending and Equipment Leasing

NAICS

Finance and Insurance (52)

SIC

Miscellaneous Business Credit Institution (6159), Short-Term Business Credit Institutions (6153), Loan Brokers (6163)

akta.pro primary industry

SME Business Lending (Term Loans, Lines of Credit, Overdrafts) (FSABABAB)

akta.pro secondary industries

SME Term Loans & Growth Capital (FSAKAGAB), SME Trade Finance & Working Capital (LCs, Guarantees, Receivables) (FSABABAF), Middle-Market Lending (FSANADAI)

Keywords

• Business equipment leasing
• Small business loans
• Merchant cash advance
• Accounts receivable factoring
• Alternative business financing

Headquarters

HQ city

Huntington

HQ country

United States

HQ region

North America

Offices3 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 Leasing: Lease and finance equipment for businesses across all credit levels. Programs include $1 out leases, FMV leases, TRAC leases, and sale-leaseback options. Revenue generated through lease payments, interest, and fees.
2. Business Loans and Working Capital: Term loans from $3,000 to $1,000,000 with terms from 3 to 60 months. Revenue from interest payments and origination fees on short-term business loans.
3. Merchant Cash Advances: Revenue-based advances repaid through small percentage of future credit card sales. Revenue generated from factor rates and fees on merchant advances.
4. Accounts Receivable Financing: Factoring receivables for B2B businesses. Revenue from discount fees charged on invoice values. Includes non-recourse, spot, and non-notification factoring options.
5. Asset-Based Lending: Revolving credit lines secured by accounts receivable and inventory. Revenue from interest on drawn amounts plus facility fees.
6. Vendor Finance Programs: Partnership programs for equipment vendors to offer financing to their customers. Revenue generated from funded transactions through vendor referrals.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels4 records

Core offering

Coastal Capital Group is an alternative business finance company that provides equipment leasing, small business loans, merchant cash advances, accounts receivable financing, asset-based lending, revolving credit lines, purchase order and inventory financing, and sale-leaseback solutions to small and medium-sized businesses across the U.S. and Canada. The company serves borrowers—including startups and credit-challenged businesses—that traditional banks decline, offering programs ranging from $3,000 to $10,000,000 with funding often completed within 24 hours.

Product overview

Coastal Capital Group is a full-service alternative business finance company offering a comprehensive portfolio of financing products for small and medium-sized businesses. The core offering includes equipment leasing, small business loans, and merchant cash advances, supplemented by specialized financing programs for construction, trucking, healthcare, and businesses with credit challenges. The company's product architecture consists of multiple interconnected financing solutions that can be combined through hybrid structures—including accounts receivable financing, asset-based lending, purchase order/inventory finance, construction project financing, and debt restructuring—to address diverse business capital needs across all industries and credit profiles nationwide.

Differentiator

Problem solved

Functional benefit

Products and services

• Equipment Leasing Equipment leasing and financing for commercial equipment from $3,000 to $10,000,000 across all industries, credit levels, and equipment types. Includes $1 out leases, FMV leases, TRAC leases, 10%/20% residual leases, and seasonal skip payment options.
• Small Business Loans Business term loans from $5,000 to $1,000,000 with terms of 3 to 60 months and daily, weekly, or monthly payment options for SMBs across credit profiles.
• Merchant Cash Advance Revenue-based advance from $1,000 to $1,000,000+ repaid through a small percentage of future credit card sales, with no fixed payments that adjust with sales volume.
• Accounts Receivable Financing Invoice factoring and accounts receivable financing for B2B businesses, including non-recourse, spot, and non-notification factoring options, with revolving credit lines of $100,000 to $10,000,000 based on borrowing base.
• Asset Based Lending Revolving credit lines from $50,000 to $15,000,000 secured by accounts receivable and inventory borrowing bases, with interest on drawn amounts and facility fees.
• Revolving Credit Lines Business lines of credit providing revolving access to funds from $5,000 to $250,000 (standard) or up to $500,000 (premium), with flexible repayment schedules of 6, 12, 18, or 24 months per draw.
• Construction Equipment Financing

Quantifiable outcome

• 98% approval rate for credit profiles served
• +4 more outcomes

Named customers2 records

Segments8 records

Ideal customer profiles6 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

One partnership is on record.

• National Association of Equipment Lease Brokers (NAELB)coreOthersCoastal Capital Group is a member of the NAELB and adheres strictly to their code of ethics. This membership provides industry credibility and demonstrates commitment to professional standards in equipment leasing.

Scale indicators5 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• BlueVine: BlueVine provides SMB lines of credit and invoice factoring—a near-perfect product overlap with Coastal Capital's revolving credit lines and accounts receivable financing offerings, both targeting working capital needs of small businesses.
• National Funding: National Funding provides equipment leasing and small business loans to underserved SMBs—closely aligned with Coastal Capital's equipment leasing programs and working capital loans targeting businesses turned down by traditional banks.
• CAN Capital: CAN Capital is one of the longest-standing alternative small business lenders offering working capital term loans and merchant cash advances—directly overlapping Coastal Capital's small business loan and MCA products for subprime and bank-rejected SMBs.
• OnDeck (Enova International): OnDeck is a direct competitor offering short-term term loans and lines of credit to SMBs using alternative data underwriting—closely matching Coastal Capital's core term loan and line of credit products targeting underserved small businesses across the U.S.
• Forward Financing: Forward Financing provides revenue-based financing and merchant cash advances to SMBs—closely aligned with Coastal Capital's MCA and short-term working capital products targeting underserved small business borrowers.
• Rapid Finance: Rapid Finance provides small business loans, MCAs, and SBA loans to underserved SMBs—matching Coastal Capital's alternative financing focus on businesses rejected by traditional banks across multiple revenue-based and term loan structures.
• Fora Financial: Fora Financial is a leading merchant cash advance provider for SMBs—comparable to Coastal Capital's MCA product, with similar revenue-based repayment mechanics targeting underbanked small businesses across diverse verticals.
• Fundbox: Fundbox offers invoice-based lines of credit and working capital advances to SMBs—directly comparable to Coastal Capital's accounts receivable financing and revolving credit line products for businesses with cash flow needs.
• Credibly: Credibly specializes in working capital loans and merchant cash advances for SMBs with cash flow-based underwriting—directly comparable to Coastal Capital's Lifesaver Program and MCA products serving credit-challenged businesses.

Broad incumbents

• LendingClub: As a major online small business and consumer lending platform, LendingClub sits in the broader alternative business credit market and competes for adjacent SMB working capital demand, though it focuses on marketplace lending rather than direct lender/equipment leasing.

Market position

Strengths5 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/coastalcap
• Facebookfacebook.com/pages/Coastal-Capital-Group-Inc/225358480809993
• LinkedInlinkedin.com/company/coastal-capital-group-inc?trk=top_nav_home

Compliance1 record

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 Coastal Capital Group