WH Capital Leasing

What WH Capital Leasing does

WH Capital Leasing LLC is a privately held commercial equipment leasing and finance firm that operates as a product line of Woodrich Holdings, LLC, a Maryland-based holding company formed in 2001. The firm originates equipment finance agreements, loans, finance and operating leases, sale/leaseback arrangements, refinancing, and seasonal/skip-payment structures for businesses ranging from Fortune 500 enterprises to sole proprietorships. Its core offering is relationship-led origination rather than balance-sheet lending: WH Capital Leasing does not publicly disclose pricing, rates, or funding sources, and instead positions itself on speed of execution, breadth of structure, and reach across industries including medical/healthcare, renewable energy, clean water, real estate, retail/wholesale, construction/manufacturing, aviation, and print advertising.

The business is structured to monetize across multiple deal economics: transaction fees on loans, sale/leaseback and refinancing; recurring revenue on operating and finance leases; and managed-services-style arrangements for equipment finance agreements and seasonal/skip-payment structures. Distribution is driven by a direct sales team handling larger Full Financial Disclosure applications and a streamlined Application-Only flow for smaller deals, supplemented by referrals from the Woodrich Holdings affiliate network (TerraMarCo, SoBigGroup, PangeaWaterSolutions, Earthboundinnovations, TSP MGroup, and Emerald-Planet), which gives the firm access to clean-tech, renewable energy, clean water, and infrastructure deal flow it could not originate cost-effectively on its own.

The firm reports 1–10 employees, an active contact line, and offices in Pikesville (Maryland), Toronto, and Florida, with claimed reach across North America and select international markets including Africa via TSP MGroup. No disclosed funding rounds, revenue, team bios, AI/automation capabilities, or regulatory actions are present in the source data, and the public website has not been meaningfully updated since July 2016. As a result the franchise reads as a small, relationship-driven originator whose scale and operating cadence cannot be reliably benchmarked from public information.

Name

WH Capital Leasing

Legal name

WH Capital Leasing LLC

Website

https://whcapitalleasing.com

Company type

Private

Founded year

2001

Operating status

Operating

Headcount range

1–10 employees

Short description

WH Capital Leasing LLC is a privately held commercial equipment leasing and finance firm, operating as a product of Woodrich Holdings. It originates leases, loans, sale/leaseback, refinancing, and seasonal-payment structures for businesses from Fortune 500 enterprises to sole proprietorships across multiple industries.

Ownership category

akta.pro rank

Product category

Equipment Leasing & Finance

NAICS

Commercial and Industrial Machinery and Equipment Rental and Leasing (5324)

SIC

Finance Lessors (6172)

akta.pro primary industry

Leasing & Lease Buyout Financing (FSAKADAC)

Keywords

• Equipment leasing
• Commercial financing
• Business loans
• Sale leaseback
• Equipment finance

Headquarters

HQ city

Pikesville

HQ country

United States

HQ region

North America

Offices3 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations

Revenue model

1. Equipment Finance Agreements: Finance agreements for equipment acquisition, allowing businesses to obtain equipment while spreading payments over time.
2. Loans: Direct lending products for equipment and business needs.
3. Finance and Operating Leases: Operating leases that allow businesses to use equipment without ownership, with flexibility to keep or return equipment.
4. Sale/Leaseback: Enables businesses to sell existing equipment and lease it back, freeing up capital.
5. Refinancing: Refinancing services for existing equipment loans or leases to improve terms.
6. Seasonal/Skip Payments: Flexible payment structures designed for businesses with seasonal revenue patterns.

Go-to-market motion1 record

Distribution channels3 records

Marketing channels3 records

Core offering

WH Capital Leasing, a product of Woodrich Holdings, LLC, is a commercial equipment leasing and finance service that provides financing structures including equipment finance agreements, loans, finance and operating leases, sale/leaseback, refinancing, and seasonal/skip payment options. It serves businesses from Fortune 500 companies to sole proprietorships across multiple industries including medical, renewable energy, clean water solutions, real estate, retail, and construction throughout North America and internationally.

Product overview

WHCapitalLeasing™ is a single unified leasing and finance service offered as a product of Woodrich Holdings, LLC. The company provides commercial equipment leasing solutions including Application-Only and Full Financial Disclosure financing structures, with various financial products such as Equipment Finance Agreements, Loans, Finance and Operating Leases, Sale/Leaseback, Refinancing, and Seasonal/Skip Payments. The service is designed to finance multiple industries and businesses, capable of serving Fortune 500 companies to sole proprietorships across North America and internationally. The company has over 40 years of experience in the leasing and finance business and can lease a wide range of commercial equipment including software/computers, solar systems, LED lights, security systems, construction equipment, manufacturing machinery, printing equipment, portable buildings, exercise equipment, restaurant equipment, commercial vehicles, and aircraft.

Differentiator

Problem solved

Functional benefit

Brands

• Woodrich Holdings: Parent holding company of WHCapitalLeasing™

Products and services

• Equipment Finance Agreements Finance agreements for equipment acquisition that allow businesses to obtain equipment while spreading payments over time.
• Loans Direct lending products for equipment and business needs.
• Finance and Operating Leases Operating leases that allow businesses to use equipment without ownership, with flexibility to keep or return equipment at the end of the term.
• Sale/Leaseback Enables businesses to sell existing equipment and lease it back, freeing up capital.
• Refinancing Refinancing services for existing equipment loans or leases to improve terms.
• Seasonal/Skip Payments Flexible payment structures designed for businesses with seasonal revenue patterns.

Segments10 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Ten partnerships are on record, tiered minor and core.

• World Bank/International Monetary Fund Annual MeetingsminorOthers · 1 January 2014Attended World Bank/IMF Annual Meetings and World Bank African Business Forum in 2014, 2015, and 2016. Participation demonstrates engagement with international finance community.
• TerraMarCo.comcoreStrategic or Co-development PartnerTerraMarCo.com is an advanced energy company that is part of the Woodrich Holdings family of vertically integrated companies. Provides access to the renewable energy market sector for joint financing opportunities.
• SoBigGroup.comcoreStrategic or Co-development PartnerSoBigGroup.com is a clean tech holding company that is affiliated with Woodrich Holdings. Offers access to clean technology market opportunities and co-development potential.
• PangeaWaterSolutions.comcoreStrategic or Co-development PartnerPangeaWaterSolutions.com unites the world's technology to clean water. Part of the Woodrich Holdings network providing access to clean water solutions sector.
• Earthboundinnovations.comcoreStrategic or Co-development PartnerEarthboundinnovations.com is a Midwest contracting company affiliated with Woodrich Holdings. Provides access to contracting and construction-related financing opportunities.
• TSP MGroup.comcoreStrategic or Co-development PartnerTSP MGroup.com deploys renewable energy and micro data centers in Africa. Strategic partner for international development and emerging market financing.
• Emerald-Planet.orgminorStrategic or Co-development PartnerEmerald-Planet.org educates the world on the 1,000 best practices to improve the environment. Affiliated organization providing access to environmental sustainability sector.
• World Bank Community for DevelopmentcoreOthersMember of the World Bank Community for Development, Global PE & VC KnowledgeBank. Provides access to international development finance networks.
• UN Foundation Energy Access Practitioner NetworkcoreOthersMember of the UN Foundation Energy Access Practitioner Network. Affiliation provides access to global energy development initiatives.
• Secure America's Future EnergyminorOthersThe subsidiary was recognized by Secure America's Future Energy as one of America's Top 6 Emerging Innovations, highlighting innovative energy financing approaches.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Emerging players

• Credibly: Credibly offers working capital and small business funding with technology-enabled underwriting. It is an emerging peer in the SMB financing space with partial overlap to WH's lending product, though it does not focus specifically on equipment leasing the way WH does.
• Biz2Credit: Biz2Credit is an online small business financing marketplace that connects borrowers with lenders for term loans, lines of credit, and SBA loans. Conceptually comparable to WH's broker model but with a modern digital platform, representing the technology-enabled evolution of WH's referral-network origination.
• BlueVine: BlueVine is a fintech providing working capital, lines of credit, and term loans to SMBs. It shares WH's SMB focus but delivers through a fully digital platform rather than the relationship-driven model WH relies on, making it a relevant adjacent comparator.

Broad incumbents

• Wells Fargo Equipment Finance: Wells Fargo Equipment Finance provides equipment leasing and financing across a wide portfolio of industries as part of a full-service bank. Comparable as the scale incumbent in equipment finance that sets the competitive bar on capital access and structuring.
• CIT Group (First Citizens Bank): First Citizens (parent of the former CIT Group) is a broad incumbent commercial bank with substantial equipment finance, vendor finance, and capital markets capabilities. Serves as the bellwether incumbent that WH Capital Leasing is differentiated against on speed and SMB relationship focus.

Direct peers

• National Funding: National Funding is a direct peer providing equipment financing and small business loans to SMBs. Its product mix (equipment leasing, working capital loans) and target customer (sole proprietors through mid-market) closely parallels WH Capital Leasing's positioning.
• Currency (formerly Currency Capital): Currency operates a commercial equipment financing marketplace connecting SMBs with lenders. It is a direct peer to WH Capital Leasing in equipment finance broker/origination, sharing the same lender-relationships-mediated model and broad vertical coverage.
• Balboa Capital: Balboa Capital is a direct competitor offering equipment leasing, working capital, and commercial loans to SMBs across the US. Like WH Capital Leasing, it originates through multiple financing structures (leases, loans, sale-leaseback) and uses a credit-application-driven flow, making it the closest functional comparable.
• Marlin Capital Solutions: Marlin Capital Solutions (formerly Marlin Leasing) is a leading direct equipment leasing provider for small and mid-sized businesses in the US. It shares WH's focus on equipment lease origination across multiple verticals with a centralized application and underwriting model.
• Alliance Funding Group: Alliance Funding Group is an equipment finance broker serving SMBs across multiple industries. Like WH Capital Leasing, it sources capital from third-party lenders and provides tailored structures (EFA, FMV lease, $1 buyout lease, sale-leaseback).

Market position

Strengths4 records

Weaknesses5 records

Competitive moat3 records

Key risks5 records

Key highlights7 records

Customer concentration

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 WH Capital Leasing