Huntington Coast Capital

What Huntington Coast Capital does

Huntington Coast Capital, Inc. is a privately held capital markets advisory firm and loan placement agent headquartered in Huntington Beach, California, founded in 2010 by Patrick Zazueta. The firm operates as an intermediary between small and mid-market businesses seeking financing and a network of private, institutional, SBA, USDA, and specialty lenders, presenting 2-4 hand-selected proposals per borrower rather than underwriting loans directly. Its product surface spans asset-based loans, purchase order financing, accounts receivable factoring, SBA 504/7A/Express and USDA loans, working capital lines of credit, commercial real estate loans (bridge and institutional permanent), construction loans, equipment loans (routed to its sister platform Equipment Finance Quotes), and specialized offerings including PPE financing, cannabis and hemp CBD financing, fix-and-flip loans, and commercial solar project financing through a 2023 equity partnership.

The business operates primarily through direct sales and consultation: an initial needs assessment is followed by document collection, lender matching, proposal presentation, and funding facilitation. The firm is licensed as a California commercial real estate broker (since 2019) and serves borrowers across all 50 U.S. states with documented placements ranging from $150,000 to $3,000,000 and over $12,000,000 in total asset-based loan placements reported through August 2023. The company has a wholly owned sister platform, Equipment Finance Quotes, and an equity partnership in a nationwide commercial solar development company. Revenue is earned on a transaction fee / placement commission basis; pricing is quote-based, varies by loan type and risk profile, and is not publicly disclosed.

The firm employs 1-10 people and runs lean on technology, with no disclosed proprietary platform, API, mobile app, or AI components. Its go-to-market relies on the founder's 20-plus years of banking and commercial finance experience, content marketing via blog and SEO, a multi-channel social media presence, and a formal bank referral program covering portfolio, relationship, and prospect management functions. Strategic expansion has favored new vertical integration (PPE, cannabis, contractors, solar) and regulatory enablement over headcount growth or external funding, consistent with a relationship-driven advisory model rather than a scalable technology platform.

Name

Huntington Coast Capital

Legal name

Huntington Coast Capital, Inc.

Website

https://huntingtoncoastcapital.com

Company type

Private

Founded year

2010

Operating status

Operating

Headcount range

1–10 employees

Short description

Huntington Coast Capital is a privately held capital markets advisory firm and loan placement agent founded in 2010 in Huntington Beach, California, connecting small and mid-market businesses across the United States with private, institutional, SBA, and specialty lenders for asset-based, purchase order, factoring, SBA, commercial real estate, and equipment financing.

Ownership category

akta.pro rank

Product category

Commercial Lending Advisory & Loan Placement Services

NAICS

Mortgage and Nonmortgage Loan Brokers (52231)

SIC

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

akta.pro primary industry

Corporate Finance & Capital Advisory (BPAHADAB)

akta.pro secondary industries

SBA/Government-Backed & Development Finance Loans (FSAKAGAI), SME Trade Finance & Working Capital (LCs, Guarantees, Receivables) (FSABABAF)

Keywords

• Commercial loan placement
• Asset-based lending
• Purchase order financing
• Invoice factoring services
• SBA loan advisory

Headquarters

HQ city

Huntington Beach

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Marketing or Sales, Operations, Others

Revenue model

1. Loan Placement and Advisory Fees: Huntington Coast Capital acts as a placement agent and capital markets advisor, connecting borrowers with lenders. They earn fees or commissions from their lending partners for placing loan business. As an unbiased intermediary, they present multiple lender proposals to clients and receive compensation when loans close.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels6 records

Core offering

Huntington Coast Capital is a capital markets advisory firm and loan placement agent (not a direct lender) that matches U.S. small and medium-sized businesses with multiple institutional and private lenders for financing between $100,000 and $10,000,000. The firm sources 2-4 hand-selected lender proposals per client and facilitates the transaction for asset-based loans, SBA loans, purchase order financing, factoring, commercial real estate loans, construction loans, bridge loans, equipment loans, and specialty financing programs. Revenue is earned via transaction fees or commissions from lending partners when placed loans close.

Product overview

Huntington Coast Capital is an asset-based lending broker and placement agent offering a comprehensive suite of financing products to businesses nationwide. The company operates as a loan matching service, connecting borrowers with appropriate capital sources rather than directly lending funds. Core products center on asset-based lending including purchase order financing, invoice/accounts receivable factoring, and asset-based loans secured by inventory, equipment, real estate, or contracts. The company also arranges SBA loans (7A, 504, Express), commercial real estate loans, construction loans, and bridge loans through its network of private and institutional lenders. Specialized offerings include PPE financing, cannabis industry financing, commercial solar project financing, and fix-and-flip loans. The company maintains a sister platform (Equipment Finance Quotes) for streamlined equipment loan processing. Fund amounts range from $100,000 to $10,000,000 serving both startups and established businesses across diverse industries including manufacturing, staffing, construction, and healthcare.

Differentiator

Problem solved

Functional benefit

Brands

• Equipment Finance Quotes: Sister company specializing in asset based equipment loans and lease programs for equipment loan requests of all sizes, from $25,000 to $200,000,000.

Products and services

• Purchase Order Financing

Quantifiable outcome

• $12,000,000+ in asset-based loans placed through August 2023
• +3 more outcomes

Named customers6 records

Segments6 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Three partnerships are on record, tiered core and major.

• Nationwide Commercial Solar Development CompanycoreStrategic or Co-development Partner · 1 June 2023Huntington Coast Capital announced an equity partnership in a nationwide commercial solar development company in June 2023. This partnership enables delivery of financing for commercial solar projects across the country, including sponsor equity/development capital, construction loans, permanent take-out financing, and tax equity credit buyouts. The partnership allows Huntington Coast Capital to capitalize projects from development stage through permanent financing.
• Equipment Finance Quotes.comcoreChannel Partner/ Reseller/ DistributorEquipment Finance Quotes is a sister company launched by Huntington Coast Capital to handle equipment financing requests. The platform matches business owners with lenders specializing in equipment loans and lease programs. It works by matching questions from the online application with lender requirements, issuing preliminary approval estimates and facilitating direct lender-borrower relationships. Huntington Coast Capital refers all equipment financing inquiries to this dedicated platform.
• Banking Institutions (Portfolio of Partners)majorGTM or Marketing PartnerHuntington Coast Capital assists banking industry partners in three areas: (1) Portfolio Management - finding homes for loans not meeting bank credit standards; (2) Relationship Management - providing supplemental funding options for existing bank clients; (3) Prospect Management - retaining new financing requests that are not yet bank-ready. Banks refer clients to Huntington Coast Capital when they cannot provide financing, helping maintain customer relationships.

Scale indicators6 records

Recent moves8 records

Expansion highlights5 records

Direct peers

• Fundera: Online small-business loan broker owned by NerdWallet that connects borrowers to a curated set of lending partners across SBA, working capital, and equipment loans. Directly comparable in intermediating SME borrowers to multiple lenders.
• Biz2Credit: Small-business lending marketplace that matches borrowers with banks, credit unions, and alternative lenders, including SBA loan programs. Operates a similar placement-agent model for SMEs seeking $25K-$5M.
• National Business Capital: Direct online small-business loan broker offering SBA, working capital, factoring, and equipment financing from a network of 75+ lenders. Highly comparable multi-product placement model.
• Smarter Finance USA: Business loan broker specializing in working capital, MCA consolidation, and equipment financing for SMEs. Comparable as a non-direct-lender intermediary serving bank-declined businesses.
• Currency (formerly Currency Capital): Commercial loan brokerage focused on SBA 7(a), SBA 504, and CRE financing for small and mid-sized businesses. Closely mirrors Huntington Coast Capital's SBA-centric placement approach and CRE adjacency.
• Mulligan Funding: Small-business loan broker focused on working capital, lines of credit, and SBA financing for SMEs that do not qualify for traditional bank loans. Overlaps directly with Huntington Coast Capital's target customer profile.
• Lendio: Largest US small-business loan marketplace, matching borrowers with a network of lenders across SBA, term loans, lines of credit, and equipment financing. Closest comparable to Huntington Coast Capital's multi-lender placement model for SMEs, but at greater scale and with proprietary technology.

Broad incumbents

• BlueVine: Fintech providing working capital, lines of credit, and invoice factoring to small businesses, often directly. Competes for the same bank-declined SME segment by offering factoring and working capital without a broker intermediary.
• OnDeck Capital: Direct online small-business lender offering term loans and lines of credit to SMEs. Represents the disintermediation threat facing placement agents as borrowers increasingly go direct to capital providers.
• LendingTree: Public online loan marketplace offering consumers and small businesses multiple lender quotes across personal, mortgage, and business credit products. Much larger incumbent with overlapping brokerage functionality.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/huntingtoncoast
• Facebookfacebook.com/HCCInc
• LinkedInlinkedin.com/company/huntington-coast-capital-inc.

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Subsidiaries1 record

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 Huntington Coast Capital