Horizon Keystone Financial
Horizon Keystone Financial, operating as Peac Solutions, is a specialty equipment finance company providing small-ticket lease financing up to $200,000 to U.S. small businesses across office furniture, HVAC/R, automotive, and adjacent equipment verticals via dealer and direct channels.
- Company typePrivate
- Founded1994
- HeadquartersMount Laurel, United States
- Headcount11–50
- GTM typeB2B
- OfferingServices
What Horizon Keystone Financial does
Horizon Keystone Financial, operating as Peac Solutions, is a specialty equipment financing company headquartered at 300 Fellowship Road in Mt. Laurel, NJ. The company originates and services small-ticket equipment leases for U.S. small businesses that have been operational for at least two years, with a stated maximum financed amount of $200,000 per transaction. Its portfolio is concentrated in three primary verticals — office furniture, HVAC/R, and automotive — with secondary originations in software, security, audio visual, technology, medical, and LED lighting equipment. The company has operated in the equipment leasing and finance industry for over 20 years.
The company's customer-facing technology consists of a web-based Online Application Platform paired with a Quick Quote Calculator that generates indicative lease terms without a hard credit inquiry. The technology stack is described as web-based with no disclosed proprietary underwriting, credit decisioning, or AI/ML components. The Quick Quote tool and self-service application represent the digital front end of the origination process, shifting initial quote generation away from sales contact.
Horizon Keystone distributes its financing through three channels: a network of dealer sales centers that originate finance at the point of equipment sale, a direct inside sales team of approximately seven representatives, and the web self-service channel. Pricing is structured as recurring monthly lease payments with a $1.00 end-of-term purchase option, requiring the first and last payments upfront. Revenue is generated from the spread and fee economics of monthly lease payments across the originated small-ticket portfolio, with credit eligibility anchored to a minimum two-year business tenure requirement.
Horizon Keystone Financial firmographics
Firmographics- Name
- Horizon Keystone Financial
- Legal name
- Peac Solutions
- Website
- https://horizonkeystone.com
- Company type
- Private
- Founded year
- 1994
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Horizon Keystone Financial, operating as Peac Solutions, is a specialty equipment finance company providing small-ticket lease financing up to $200,000 to U.S. small businesses across office furniture, HVAC/R, automotive, and adjacent equipment verticals via dealer and direct channels.
- Ownership category
- akta.pro rank
Horizon Keystone Financial industry classification
Industry- Product category
- Equipment Financing
- NAICS
- Sales Financing (52222)
- SIC
- Short-Term Business Credit Institutions (6153), Miscellaneous Business Credit Institution (6159)
- akta.pro primary industry
- Embedded Lending & Credit (POS, Working Capital, Credit Lines) (FSAGALAD)
- akta.pro secondary industries
- Merchant Cash Advance (MCA) & Revenue-Based Financing (FSAKAGAD), Revenue-Based Financing (RBF) Providers (FSANAIAF)
Keywords
Where Horizon Keystone Financial is headquartered
LocationHeadquarters
- HQ city
- Mount Laurel
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Horizon Keystone Financial business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure
Revenue model
- Equipment Financing/Lease Payments: Provides financing solutions for business equipment purchases. Revenue generated through lease/financing payments including interest and fees over the term of the agreement. Typically requires 1st and last payment upfront.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Standard Equipment Financing |
| Other | Pay-as-you-go | Quick Quote Budgetary Payments |
Go-to-market motion2 records
Distribution channels3 records
Marketing channels3 records
Horizon Keystone Financial product offering
Product offeringCore offering
Horizon Keystone Financial, operating as Peac Solutions, provides equipment financing and leasing for U.S. businesses, offering credit decisions in less than 24 hours for amounts up to $200,000 across verticals including Office Furniture, HVAC/R, Automotive, Software, Security, Audio Visual, Technology, Medical, and LED Lighting. Customers access financing through a web-based application, an instant Quick Quote Calculator, and a dealer partner network (Dealer Sales Center). First and last payments are typically required upfront, with monthly payments over the lease term.
Product overview
Horizon Keystone Financial (operating as Peac Solutions) is an equipment financing company with over 20 years of experience. The company offers a unified financing platform comprising equipment financing services for amounts up to $200,000 with rapid credit decisions, a Quick Quote Calculator for instant budgetary payments, and an online application platform for streamlined approvals. The company specializes in Office Furniture, HVAC/R, and Automotive equipment industries while also financing Software, Security, Audio Visual, Technology, Medical, and LED Lighting equipment.
Differentiator
Problem solved
Functional benefit
Products and services
- Equipment Financing Services Equipment financing service providing funding for business-related equipment including furniture, HVAC, security, medical, software, telecommunications, and hardware, with credit decisions in less than 24 hours for amounts up to $200,000. Targets small and mid-sized U.S. businesses needing financing alternatives to traditional bank loans.
- Quick Quote Calculator Web-based calculator that provides instant budgetary payment estimates for equipment financing, allowing customers to see affordable payment options before applying. Customers enter dealer name, contact information, total dollar amount, equipment type, and select a Partner Success Manager to receive a PDF quote by email.
- Online Application Platform Online application platform enabling customers to apply for equipment financing with a simple application process and same-day approval for qualifying requests up to $200,000.
Quantifiable outcome
- Same-day credit approval for qualifying applications up to $200,000
- +1 more outcomes
Companies that use Horizon Keystone Financial
Customer profileSegments5 records
Ideal customer profiles4 records
Horizon Keystone Financial technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature3 records
Horizon Keystone Financial partnerships and signals
Strategic signalScale indicators3 records
Recent moves4 records
Expansion highlights3 records
Horizon Keystone Financial competitors and assessment
Company assessmentEmerging players
- Lendio: Online SMB loan marketplace including equipment financing; overlaps on SMB customer profile and equipment financing vertical, but distributes across many lender partners rather than originating directly.
- Currency Capital: Online marketplace that matches SMBs with multiple equipment finance lenders; competes for the same end customer and dealer referrals, though it operates as a marketplace rather than a direct originator.
- Snap Finance: Leasing/fintech focused on subprime and SMB equipment & home improvement purchases; competes for similar thin-file SMB borrowers using digital-first origination.
Broad incumbents
- CIT Group (First Citizens Equipment Finance): Large diversified equipment finance provider with deep vendor and direct SMB capabilities; competes in the same equipment verticals but at materially larger ticket sizes and balance-sheet scale.
- Wells Fargo Equipment Finance: Major bank-owned equipment finance arm serving SMBs and mid-market across many verticals; broad incumbent that competes for the same end-borrower equipment financing demand.
- DLL Group: Global vendor-finance specialist active in agriculture, healthcare, automotive, and technology equipment; overlaps on vendor/embedded distribution channels and multi-vertical equipment exposure.
Direct peers
- Crest Capital: Specialist US equipment finance company serving SMBs across multiple equipment types with fast online application and tiered credit decisions, overlapping Horizon Keystone's ticket size and vertical breadth.
- Balboa Capital: SMB-focused equipment leasing and working capital lender with a similar multi-vertical dealer/ISO channel model, a fast online application, and similar small-ticket ($5K–$500K) ticket profile — a head-to-head comparable.
- Marlin Capital Solutions (PEAC Solutions): Appears to be the underlying funder/technology platform (apply.marlincapitalsolutions.com is used for HKF applications) and the parent brand for PEAC Solutions. Direct peer because Horizon Keystone operates as a dealer-facing front for the same equipment finance product set.
- Ascentium Capital: Direct equipment finance and leasing competitor covering broad SMB equipment verticals via vendor and direct channels, with similar ticket-size range and rapid underwriting turnarounds.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat2 records
Key risks7 records
Key highlights7 records
Customer concentration
Horizon Keystone Financial social profiles
Digital presenceHorizon Keystone Financial financial estimates
Financial estimateRevenue estimate
Valuation estimate
Horizon Keystone Financial leadership team
Management profileNumber of profiles
Profiles7 records
Horizon Keystone Financial funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Horizon Keystone 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 Horizon Keystone Financial
What does Horizon Keystone Financial do?
Horizon Keystone Financial, operating as Peac Solutions, provides equipment financing and leasing for U.S. businesses, offering credit decisions in less than 24 hours for amounts up to $200,000 across verticals including Office Furniture, HVAC/R, Automotive, Software, Security, Audio Visual, Technology, Medical, and LED Lighting. Customers access financing through a web-based application, an instant Quick Quote Calculator, and a dealer partner network (Dealer Sales Center). First and last payments are typically required upfront, with monthly payments over the lease term.
Is Horizon Keystone Financial a public or private company?
Horizon Keystone Financial is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Horizon Keystone Financial founded?
Horizon Keystone Financial was founded in 1994. It employs 11 to 50 people.
Where is Horizon Keystone Financial based?
Horizon Keystone Financial is headquartered in Mount Laurel, United States, in the North America region.
How does Horizon Keystone Financial make money?
One revenue line is on record: equipment Financing/Lease Payments.
Who are Horizon Keystone Financial's main competitors?
Emerging players on record are Lendio, Currency Capital and Snap Finance. Broad incumbents are CIT Group (First Citizens Equipment Finance), Wells Fargo Equipment Finance and DLL Group. Direct peers are Crest Capital, Balboa Capital, Marlin Capital Solutions (PEAC Solutions) and Ascentium Capital.
Does Horizon Keystone Financial have an API?
No public API is recorded for Horizon Keystone Financial.
What industry is Horizon Keystone Financial in?
Horizon Keystone Financial's product category is Equipment Financing. Its primary akta.pro industry code is FSAGALAD, Embedded Lending & Credit (POS, Working Capital, Credit Lines), with a secondary code of FSAKAGAD, Merchant Cash Advance (MCA) & Revenue-Based Financing. Its NAICS code is 52222 and its SIC code is 6153.