CFG Equipment Finance

What CFG Equipment Finance does

CFG Equipment Finance, operating under the legal entity Capital Financial Group LLC, is a private boutique equipment finance company headquartered in Bend, Oregon, founded in 1994. The company originates equipment loans and leases for U.S. small and mid-sized businesses across multiple verticals — primarily construction and transportation equipment, with secondary exposure to medical equipment, manufacturing and machine tools, and HVAC/plumbing — alongside a dealer and vendor financing program that lets manufacturers and resellers offer CFG-backed financing to their customers at the point of sale. Terms range from 24 to 84 months, working capital financing starts at $10,000, and the firm advertises approvals in as little as four hours. Underwriting is bespoke and relationship-driven rather than automated, positioning CFG as a non-bank alternative to traditional equipment lenders.

The product surface is unified around equipment finance but expanded with a working capital offering, four distinct online application pathways (Equipment, PG, Corp Only, Cash Purchase), autopay servicing, and an equipment condition report workflow. A sub-brand, Summit Capital Consulting, hosts the partner portal used by dealers and vendors to submit and manage applications. Technology disclosures are minimal — the website is hosted on Shopify, and there is no public mention of proprietary underwriting models, API offerings, or AI capabilities.

Revenue mechanics are transaction-based: CFG earns interest and fees on financed equipment and on working capital advances, plus transaction economics from the dealer/vendor channel. Go-to-market is sales-led and partner-driven, combining direct online applications via cfgef.com with a referral channel through equipment dealers, vendors, and manufacturers. Pricing is quote-based and not publicly disclosed.

Name

CFG Equipment Finance

Legal name

Capital Financial Group LLC

Website

https://cfgef.com

Company type

Private

Founded year

1994

Operating status

Operating

Headcount range

11–50 employees

Short description

CFG Equipment Finance is a private, Bend, Oregon-based boutique lender that provides equipment financing and working capital to U.S. SMBs across construction, transportation, medical, manufacturing, and HVAC verticals, supplemented by dealer and vendor financing programs.

Ownership category

akta.pro rank

Product category

Equipment Financing

NAICS

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

SIC

Finance Lessors (6172)

akta.pro industry

PRIMARYFSANAIAE

Equipment Financing / Leasing (Venture-backed)

Financial & Insurance/Private Equity & Venture Capital/Venture Debt Providers

SECONDARYFSAKADAI

Commercial Trucking & Heavy Equipment Vehicle Finance

Financial & Insurance/Lending & Consumer Finance/Auto Lending & Vehicle Finance

SECONDARYFSAKADAE

Fleet & Commercial Vehicle Finance

Financial & Insurance/Lending & Consumer Finance/Auto Lending & Vehicle Finance

SECONDARYFSAKAGAD

Merchant Cash Advance (MCA) & Revenue-Based Financing

Financial & Insurance/Lending & Consumer Finance/Small Business & Microenterprise Lending

Keywords

• Equipment financing
• Commercial lending
• Vendor financing
• Working capital loans
• Dealer finance programs

Headquarters

HQ city

Bend

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Equipment Financing: CFG Equipment Finance generates revenue through equipment financing arrangements. They provide loans and financing options to business owners for purchasing equipment, earning interest and fees on the financed amounts. Payment terms range from 24-84 months.
2. Vendor/Dealer Programs: Revenue is generated through financing programs offered to dealers and vendors, enabling them to move inventory faster by providing aggressive financing options to their customers. The company earns transaction fees or interest from these financing arrangements.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels3 records

Core offering

CFG Equipment Finance provides equipment financing to business owners across construction, transportation, medical, manufacturing, and HVAC and plumbing industries, with flexible payment terms ranging from 24 to 84 months and approvals issued in as little as 4 hours. The firm also operates vendor and dealer programs that enable equipment sellers to attach aggressive financing to inventory, and offers working capital financing starting at $10,000. Origination runs through an online application suite and a dedicated partner portal rather than through a proprietary technology stack.

Product overview

CFG Equipment Finance is an equipment financing company offering a unified platform centered on equipment financing and vendor programs. The core offering consists of equipment financing with aggressive terms and fast funding, complemented by dealer/vendor programs to help move inventory faster. Additional modules include Partner Portal, Equipment Application, PG Application, Equipment Condition Report, Corp Only Application, Cash Purchase, and Auto Pay Setup for managing the complete financing lifecycle. The company also provides working capital financing starting at $10,000 across all industries.

Differentiator

Problem solved

Functional benefit

Brands

• Summit Capital Consulting: Partner portal and application platform used by CFG Equipment Finance for vendor and partner relationships.

Products and services

• Equipment Financing Core equipment financing product providing aggressive terms and fast funding for business owners acquiring equipment across construction, transportation, medical, manufacturing, and HVAC and plumbing industries. Payment terms range from 24 to 84 months with approvals issued in as little as 4 hours.
• Vendor Programs Dealer and vendor financing programs designed for manufacturers, dealers, and vendors to offer aggressive financing to their customers and move inventory faster, with flexible 24–84 month terms and approvals in as little as 4 hours.
• Working Capital Financing Working capital financing available to small businesses starting at $10,000 across all industries, intended to support cash flow management and short-term business needs alongside equipment financing.

Quantifiable outcome

• Approvals in as little as 4 hours
• +2 more outcomes

Segments7 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

One partnership is on record.

• Equipment Dealers and VendorscoreChannel Partner/ Reseller/ DistributorCFG partners with equipment dealers and vendors across multiple industries including construction, transportation, medical, and manufacturing. These partners offer CFG financing options to their customers to facilitate equipment sales. Programs include flexible payment terms (24-84 months), quick approvals (as little as 4 hours), and competitive rates to help partners move inventory faster.

Recent moves5 records

Expansion highlights4 records

Direct peers

• Ascentium Capital: Specialty equipment finance lender providing fast, point-of-sale financing through vendor programs across diverse verticals — overlapping with CFG's dealer/vendor referral model and equipment categories.
• Balboa Capital: Direct SMB equipment finance competitor offering fast approvals and flexible terms across construction, transportation, and medical verticals — same target customer, product set, and small-business credit profile as CFG.
• TimePayment: Equipment leasing and finance company targeting SMB and mid-market borrowers via vendor partnerships, closely mirroring CFG's vendor-program-led equipment finance model.
• Direct Capital: Boutique equipment finance company serving SMBs with installment loans and lease structures across trucks, construction, and medical equipment — directly comparable niche focus and application-led GTM.
• AP Equipment Financing: Niche equipment finance provider focused on small-ticket equipment and vendor programs for SMBs — direct competitor on transaction size, customer segment, and application-led GTM.
• Crest Capital: Direct equipment finance lender for businesses, with broad vertical coverage including transportation and construction equipment — comparable product set and SMB customer focus.
• K2 Capital Group: Equipment finance and leasing broker/lender serving SMBs with flexible terms across industries including construction and transportation — comparable niche focus and channel-led origination.

Emerging players

• Currency: Tech-forward equipment finance company offering fast digital approvals to SMBs across multiple verticals — closely comparable to CFG on speed and customer profile, but with a stronger proprietary technology stack.

Broad incumbents

• CIT (First Citizens): Large commercial bank with significant equipment financing and commercial lending operations — competes in the same SMB and mid-market equipment verticals but at meaningfully larger scale and broader product set.
• Stearns Bank: Bank with a dedicated equipment finance division serving diverse industries; broader depository footprint and balance sheet give it scale advantages over CFG in the same niche verticals.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/profile.php
• LinkedInlinkedin.com/company/cfgef

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 CFG Equipment Finance