CapTech Financial

What CapTech Financial does

CapTech Financial is a privately held equipment leasing and financing company headquartered in St. George, Utah, founded in 2018. It specializes in direct equipment financing for mid-market and enterprise customers, with transaction sizes ranging from $250,000 to over $25 million and typical terms of 24–60 months. The company reports a 76% repeat client rate and credit approvals delivered within 2–10 business days, positioning itself around speed, structuring flexibility, and avoidance of blanket liens or restrictive covenants.

The company's product portfolio is unusually broad for a sub-100-employee firm. Beyond core operating, capital, true, fair-market-value, and dollar-buyout leases, CapTech offers payment-flexibility structures (step, deferred, seasonal, balloon), strategic structures (synthetic, sale-leaseback, venture, progress-funding, purchase-upon-termination), tax-optimized leases, and add-on features (early buyout, wrap, collar, first-amendment). This breadth allows the firm to compete on structuring rather than rate alone. No proprietary technology platform, AI/ML capability, or API offering is disclosed; technology footprint appears limited to standard web presence and Google Analytics integration.

Go-to-market is consultative and sales-led, combining direct engagement with executive leadership teams at borrower companies with channel origination through equipment finance intermediaries (brokers and advisors) and equipment vendor programs. Operations are U.S.-domestic with an international funding capability for U.S.-based borrowers. Revenue mechanics are transaction-based, with economics derived from lease yield/spread on funded transactions rather than disclosed subscription or fee revenue.

Name

CapTech Financial

Legal name

CapTech Financial, LLC

Website

https://captechfinancial.com

Company type

Private

Founded year

2018

Operating status

Operating

Headcount range

51–100 employees

Short description

CapTech Financial is a privately held equipment leasing and financing company serving U.S. mid-market borrowers with transactions of $250K to $25MM+, offering a broad catalog of structured lease products sourced through direct sales and intermediary/vendor channels.

Ownership category

akta.pro rank

Headquarters

HQ city

Park City

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Equipment Financing and Leasing: CapTech generates revenue through structuring equipment financing and leasing solutions for mid-market transactions. They provide direct equipment financing for large-scale equipment investments ranging from $250K to $25MM+, with terms typically ranging from 24-60 months.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels2 records

Core offering

CapTech Financial provides direct equipment leasing and financing solutions for mid-market and enterprise companies making significant equipment investments. Transactions range from $250K to $25MM+ with terms typically 24-60 months, offering flexible structures including operating leases, capital leases, sale leasebacks, venture leases, and progress funding, with credit approvals delivered in 2-10 business days.

Product overview

CapTech Financial offers a comprehensive equipment leasing and financing platform for mid-market transactions ranging from $250K to $25MM+. The product portfolio consists of core lease structures (Operating Leases, Capital Leases, True Leases, Dollar Buyout Leases, Fair Market Value Leases) that form the foundation of their financing solutions, supplemented by payment flexibility products (Step Payment Leases, Deferred Payment Leases, Seasonal Payment Structures, Balloon Payment Structures) that align with borrowers' cash flow patterns, strategic financing products (Synthetic Leases, Sale Leasebacks, Venture Leases, Progress Funding Leases, Purchase Upon Termination Structures) for complex transactions, and tax-optimized products (Tax Leases, Non-Tax Leases) alongside add-on features (Early Buyout Lease, Wrap Leases, Collar Leases, First Amendment Leases) that provide customization options.

Differentiator

Problem solved

Functional benefit

Products and services

• Operating Leases

Quantifiable outcome

• 76% of clients return for subsequent transactions
• +2 more outcomes

Named customers10 records

Segments7 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Direct Capital Corporation: U.S. equipment finance and leasing company focused on mid-market direct deals and vendor programs. Overlaps with CapTech in target customer (mid-market executives), deal size band, and channel mix (direct + vendor).
• Balboa Capital: U.S. equipment financing and small business funding provider serving mid-market companies with leasing and loan products. Comparable ticket sizes (often up to low millions) and consultative sales motion targeting owners and finance teams.
• Ascentium Capital: Direct equipment finance and leasing company focused on the U.S. mid-market with vendor finance programs, flexible structures, and quick credit decisions. Closely comparable to CapTech in ticket range, customer profile, and speed-of-execution positioning.
• Crest Capital: Direct equipment finance and leasing company serving small to mid-market businesses across the U.S., with a consultative sales approach. Comparable business model and customer profile to CapTech, though at a smaller average ticket size.
• Marlin Business Services: U.S. equipment financing provider for small and mid-sized businesses, offering leases and loans across industries. Comparable direct-origination model, multi-vertical exposure, and recurring relationship economics.
• North Star Leasing: U.S. equipment leasing company focused on mid-market transactions with broker and direct origination channels. Closely aligned with CapTech on ticket range, target customer, and emphasis on flexible structuring.
• Time Payment Corp: U.S. equipment leasing and financing company serving small and mid-sized businesses with direct and broker-sourced deals. Comparable product set (operating/capital leases, sale leasebacks) and consultative origination approach.

Broad incumbents

• DLL (De Lage Landen): Global equipment finance vendor and direct lessor with deep industry verticals (agriculture, food, healthcare, technology). Comparable to CapTech in mid-to-large ticket direct equipment leasing and structured financing, but with global scale and vendor-program depth.
• Wells Fargo Equipment Finance: Bank-affiliated equipment lessor serving mid-market and enterprise customers across the U.S. with structured leases, vendor programs, and capital-efficient funding. Competitor in CapTech's mid-to-large ticket segment, with significantly larger balance sheet and funding cost advantages.
• CIT Group (Equipment Financing): Established U.S. commercial lender with a dedicated equipment financing division serving mid-to-large ticket transactions across multiple industries. Overlaps directly with CapTech's $250K–$25MM+ ticket range but operates at much larger scale with bank balance-sheet funding.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/captech-financial

Revenue estimate

Valuation estimate

Number of profiles

Profiles15 records

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 CapTech Financial