LeaseStation

What LeaseStation does

QuickSpark Financial is a private FinTech company — operated as a doing-business-as brand under TimePayment LLC — that provides equipment financing and short-term working capital to U.S. small businesses. The company operates through two primary customer motions: a B2B channel-partner model in which 3,000+ equipment vendors, retailers, and manufacturers embed QuickSpark financing into their websites and physical sales channels, and a direct self-serve motion that allows SMB equipment buyers to apply in minutes through a three-step process (apply, sign, ship). Its core offering converts big-ticket equipment purchases into 12–60 month monthly payment plans and complements this with working capital loans ranging from $5,000 to $500,000 over terms of up to 18 months.

The technology layer is a proprietary, web-based integration stack that connects vendor and manufacturer sales channels with multiple funding sources, supported by two partner portals (QuickConnect and InfoHub, the latter powered by TimePayment) and plug-in integrations for Shopify and WooCommerce shopping carts. Additional components include EarlyPay pre-funding (paying vendors 100% of invoice before shipment), Section 179 tax benefit support, a lease-to-own structure, and a Graphics Portal providing co-branded marketing assets for partners. The company monetizes through transaction fees on completed financing arrangements and interest/fee income on working capital advances, with vendor partnerships offered on a free, no-contract basis.

Operationally, QuickSpark serves more than 50 industries including restaurants, salons, cleaning, automotive, printing, photography, construction, and beauty, and explicitly targets credit-challenged borrowers, startups, and post-bankruptcy businesses — segments frequently rejected by traditional lenders. The legal entity (TimePayment LLC) is registered in Woburn, Massachusetts, while operational headquarters sit in Arizona, where the company occupies approximately 25,000 square feet of office space. QuickSpark Financial was recognized as one of the "100 Best Companies in Arizona" in 2017.

Name

LeaseStation

Legal name

TimePayment LLC

Website

https://leasestation.com

Company type

Private

Operating status

Operating

Headcount range

1–10 employees

Short description

QuickSpark Financial, a DBA brand under TimePayment LLC, provides equipment financing and working capital ($5K–$500K) to U.S. small businesses, distributed through 3,000+ equipment vendor partners and direct online applications across 50+ industries.

Ownership category

akta.pro rank

Product category

Equipment Financing & Small Business Lending

NAICS

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

SIC

Finance Lessors (6172)

akta.pro primary industry

SME Equipment & Asset Finance (Leasing, Fleet, Capex) (FSABABAH)

Keywords

• Equipment financing
• Working capital loans
• Small business lending
• Vendor lease programs
• Lease-to-own financing

Headquarters

HQ city

Woburn

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 Transaction Fees: QuickSpark generates revenue by facilitating equipment financing transactions between vendors, equipment buyers, and funding sources. The company works with multiple funding sources to find competitive rates for customers and earns fees on completed financing arrangements.
2. Working Capital Financing: Provides working capital loans ranging from $5,000 to $500,000 with terms up to 18 months, generating revenue through interest and fees on short-term capital advances.

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels6 records

Core offering

LeaseStation provides equipment financing and working capital solutions to U.S. small businesses, originated primarily through equipment vendors, resellers, and ISO channel partners. The company funds deals via an aggregated network of 23+ capital sources, accepts credit-challenged applicants, and supports 100% financing with fast turnaround (e.g., 24-hour funding on approved working capital). Operations are enabled by partner-facing technology including the InfoHub portal and QuickConnect e-commerce integration.

Product overview

QuickSpark Financial (DBA TimePayment) is a FinTech company offering a unified equipment financing ecosystem centered on its core Equipment Financing product and Working Capital solution. The portfolio includes QuickConnect and InfoHub (powered by TimePayment) as partner management platforms, EarlyPay as an early payment add-on, and a Graphics Portal for marketing resources. Additional offerings include lease-to-own structures and Section 179 tax benefit support. The company serves over 3,000 vendors across 50+ industries including restaurants, salons, automotive, cleaning, printing, and construction sectors.

Differentiator

Problem solved

Functional benefit

Products and services

• Equipment Financing Provides small businesses with financing to acquire equipment (e.g., furniture, fitness, signage, point-of-sale) through a network of vendor partners. Offers 100% financing, lease-to-own structures, and Section 179 tax-benefit guidance, and accepts credit-challenged applicants.
• Working Capital Loans Short-term working capital funding for U.S. small businesses, with funding to approved applicants within 24 hours. Repayment is structured as a fixed daily or periodic payment (EarlyPay-style structure referenced in source material).
• InfoHub Partner Portal Web-based portal for equipment vendor and reseller partners to submit financing applications, monitor deal status, and access partner resources. Designed to streamline partner onboarding and ongoing transaction management.
• QuickConnect Shopping Cart Integration Shopping cart integration that allows e-commerce merchants to embed LeaseStation financing as a payment option at checkout, enabling online buyers to apply for and receive financing during the purchase flow.
• EarlyPay Program Accelerated payment program associated with the working capital product, providing approved small business borrowers with rapid access to funds (referenced as 24-hour funding on approved applications).
• Lease-to-Own Financing Lease structure under the equipment financing line that gives the lessee the option to own the equipment at the end of the lease term, supporting customers who want a path to ownership without a traditional loan.
• Section 179 Tax Benefits Program Program and educational resource that helps small business customers structure equipment financing to take advantage of IRS Section 179 deductions, lowering the after-tax cost of equipment acquisition.
• Vendor / Merchant Partner Program Partnership program that allows equipment vendors, resellers, and ISO referral partners to apply online and join LeaseStation's financing distribution network, gaining access to InfoHub, QuickConnect, and co-branded marketing assets.

Quantifiable outcome

• 72% of customers who finance are more likely to return for repeat purchases
• +5 more outcomes

Named customers8 records

Segments4 records

Ideal customer profiles2 records

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

Feature4 records

Scale indicators4 records

Recent moves6 records

Expansion highlights4 records

Direct peers

• BlueVine: BlueVine offers working capital and small-business financing through a digital, multi-product platform. Comparable to QuickSpark on the working-capital side ($5K–$500K range), targeting similar SMB segments with online applications and inclusive underwriting.
• Fundbox: Fundbox provides short-term working capital and SMB financing through an online underwriting and self-serve application — directly comparable to QuickSpark's working-capital product line in customer profile, ticket size, and product-led go-to-market.
• OnDeck: OnDeck is a direct peer in the SMB working-capital and equipment-financing space with a similar online, fast-decision model. Overlap is strongest on the working-capital product (QuickSpark's $5K–$500K range vs. OnDeck's short-term business loans) targeting the same thin-file SMB segment.
• National Funding: National Funding provides equipment financing and working capital to SMBs through a similar online, multi-lender model. Comparable customer profile (thin-file SMBs, startups), product set (working capital + equipment leasing), and risk appetite makes it a direct peer for QuickSpark.
• Currency Capital: Currency Capital is a direct competitor to QuickSpark — a digital equipment-financing marketplace that aggregates multiple lenders to offer SMBs financing for business equipment across similar verticals (restaurants, salons, automotive). Highly comparable business model, underwriting breadth, and channel-partner go-to-market.
• Ascentium Capital: Ascentium Capital is a direct online equipment-finance competitor offering lease and loan structures to SMBs across diverse industries. Its product/term structure (12-60 months), multi-funding-source architecture, and inclusive underwriting make it a close comparator to QuickSpark.

Broad incumbents

• Balboa Capital: Balboa Capital is an established equipment-finance and working-capital provider targeting SMBs with a similar leasing and loan product mix. It is broader in portfolio (including franchise lending) than QuickSpark, positioning it as a broad incumbent competitor in the same space.
• CIT (Equipment Financing): CIT provides equipment financing and working capital as part of a much broader commercial banking and finance franchise. While its equipment-finance unit overlaps with QuickSpark's product, CIT serves a much wider client base with both prime and SMB customers — a broad incumbent.
• Wells Fargo Equipment Finance: Wells Fargo's equipment-finance division provides leases and loans for commercial equipment across verticals that overlap with QuickSpark's SMB equipment-financing book. As a large incumbent bank-led platform, it competes for prime-qualifying SMBs that overlap with QuickSpark's higher-quality originations.

Others

• TimePayment: TimePayment is the parent LLC of QuickSpark and provides the underlying funding infrastructure and partner portal (InfoHub) that QuickSpark operates against. It is the closest comparable in equipment-financing product and credit box but is the parent rather than a competitor; included as an ecosystem/structural peer.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/QuickSparkFinancial
• LinkedInlinkedin.com/company/leasestation
• Instagraminstagram.com/quickspark

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 LeaseStation