What encompass capital group does

Encompass Capital Group is a privately held financial services company headquartered in the Kansas City, Missouri area that operates as a financial design firm providing flexible financing solutions to commercial businesses, non-profits, municipalities, and other organizations. Its product portfolio centers on seven core financing instruments — loans, capital leases, tax leases, TRAC leases, municipal lease/public finance, SBA and USDA financing options, and equipment finance agreements — augmented by a set of customizable payment programs including flex leases, seasonal, skip, irregular, deferred, and progress payments, as well as project, interim, and rainy-day funding. The company serves clients ranging from sole proprietorships to Fortune 500 enterprises across industries such as healthcare, manufacturing, construction, aggregate material handling, transportation, power generation, and the public sector.

The firm's go-to-market is sales-led and relationship-driven, combining direct enterprise field sales, inside sales for small and mid-market clients, and a referral network of niche professionals (financing, healthcare/insurance, accounting, and legal). Pricing is not publicly disclosed and is structured deal-by-deal based on client requirements and cash-flow profile. The company emphasizes engaged conversations, customization, and long-term financing partnerships as its primary value proposition rather than speed, scale, or technology.

There is no disclosed information on revenue, headcount, funding history, ownership structure, management team, or geographic footprint beyond a single U.S. location inferred from the (816) area code. No AI/ML, proprietary technology platform, patents, certifications, or regulatory actions are referenced in the available source material, indicating a traditional, expertise-driven commercial finance operation rather than a technology-enabled fintech.

Name

encompass capital group

Legal name

Encompass Capital Group

Website

https://e-capgroup.com

Company type

Private

Operating status

Operating

Short description

Encompass Capital Group is a Kansas City-based financial design company offering flexible loans, leases, and equipment financing to commercial businesses, non-profits, and municipalities, serving clients from sole proprietorships to Fortune 500 enterprises across multiple industries.

Ownership category

akta.pro rank

Product category

Commercial Equipment Financing

NAICS

Finance and Insurance (52), Other Financial Investment Activities (5239)

SIC

Finance Lessors (6172), Miscellaneous Business Credit Institution (6159)

akta.pro primary industry

Large-Cap / Sponsor Finance Direct Lending (FSANADAJ)

Keywords

• Commercial equipment financing
• Business loan services
• Capital lease financing
• Municipal lease financing
• SBA USDA financing

Headquarters

HQ city

Kansas City

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Financing Services Revenue: Revenue generated through financing arrangements including loans, capital leases, tax leases, TRAC leases, municipal lease/public finance, SBA and USDA financing options, and equipment finance agreements. They also offer project funding, interim funding, and flex lease programs.

Go-to-market motion1 record

Distribution channels3 records

Marketing channels3 records

Core offering

Encompass Capital Group is a financial design company that designs and implements flexible financing solutions for commercial businesses, non-profits, municipalities, and other sectors needing capital for assets. Its core offerings include loans, capital leases, tax leases, TRAC leases, municipal lease/public finance, SBA and USDA financing options, and equipment finance agreements, structured through customizable payment programs such as seasonal, skip, deferred, progress, interim, and project funding arrangements.

Product overview

Encompass Capital Group is a financial design company offering a unified financing platform that provides flexible asset-based lending and leasing solutions. The core product portfolio centers on seven primary financing instruments—Loans, Capital Leases, Tax Leases, TRAC Leases, Municipal Lease/Public Finance, SBA and USDA Financing Options, and Equipment Finance Agreements—all accessible through customizable payment programs including Flex Leases, Seasonal Payment Programs, Skip Payment Programs, Deferred Payment Programs, Progress Payment Programs, Project Funding, Interim Funding, and Rainy Day Programs. The company serves a diverse client base ranging from sole proprietorships to Fortune 500 companies across industries including healthcare, manufacturing, construction, transportation, power generation, and municipalities, with solutions tailored to maximize cash flow and capital productivity.

Differentiator

Problem solved

Functional benefit

Products and services

• Loans Traditional loan financing solutions for businesses of various sizes, from sole proprietorships to Fortune 500 companies, providing capital access for asset acquisition and business growth.
• Capital Leases Lease financing arrangements where the lessee effectively owns the asset for accounting and tax purposes over the lease term, with options to purchase at the end of the term.
• Tax Leases Tax-advantaged lease structures designed to provide economic benefits through accelerated depreciation and favorable tax treatment for qualifying assets.
• TRAC Leases Terminal Rental Adjustment Clause leases primarily for transportation equipment, allowing ownership rights to transfer to the lessee with specific buyout options.
• Municipal Lease/Public Finance Financing solutions tailored for municipalities and public sector entities, providing capital for infrastructure, equipment, and public service assets with tax-exempt or tax-advantaged structures.
• SBA and USDA Financing Options Government-backed Small Business Administration and USDA financing programs offering favorable terms, lower down payments, and government guarantees for qualifying businesses and agricultural operations.
• Equipment Finance Agreements Customized financing arrangements specifically designed for acquiring equipment across various industries including healthcare, manufacturing, construction, and technology.

Segments6 records

Ideal customer profiles3 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.

• Niche Professional PartnerscoreStrategic or Co-development PartnerEncompass Capital Group partners with niche professionals who are the best in their respective industries to offer a wide range of solutions for clients. Partners include professionals in financing, healthcare and insurance benefits, accounting, and legal solutions. This partnership network provides clients with access to best-in-class services as they grow their businesses.

Scale indicators1 record

Recent moves1 record

Expansion highlights4 records

Emerging players

• BlueVine: BlueVine is a fintech lender providing working capital, lines of credit, and term loans to small and mid-sized businesses. It is an emerging peer because it digitizes a portion of the commercial finance value chain that Encompass serves via direct relationship-based origination.

Broad incumbents

• Wells Fargo Equipment Finance: Wells Fargo Equipment Finance is the equipment leasing and finance arm of Wells Fargo, one of the largest U.S. banks. It competes in the same space as Encompass but at much greater scale and with broader institutional funding access, making it a broad incumbent peer.
• First Citizens Bank (CIT Group): First Citizens acquired CIT Group, a leading middle-market commercial finance company with large equipment finance and lending operations. It is a broad incumbent peer operating across commercial lending, leasing, and equipment finance that Encompass also targets.

Direct peers

• Crest Capital: Crest Capital is an independent equipment leasing and financing company providing loans, leases, and sale-leasebacks to U.S. businesses. Direct peer given its similar mix of financing products, flexible payment terms, and small-to-mid business customer base.
• TimePayment Corp. TimePayment is an equipment leasing and financing company serving small and mid-sized businesses across diverse verticals. Comparable in providing customizable lease structures and equipment finance agreements for similar B2B customer profiles.
• Currency (formerly Currency Capital): Currency provides equipment financing and leasing solutions to small and mid-sized businesses across many verticals. Comparable in serving a similar B2B customer segment with structured lease and loan products.
• Balboa Capital: Balboa Capital is a direct lender providing equipment financing, working capital, and commercial loans to small and mid-sized businesses. It is a close peer because it offers the same financing instruments (loans, leases, equipment finance agreements) to similar customer segments.
• National Funding: National Funding is an alternative lender providing small business loans, equipment financing, and working capital. Comparable as a small-to-mid business lender offering SBA-related financing and equipment finance agreements to similar end customers.
• Marlin Capital Solutions: Marlin Capital Solutions originates equipment financing and working capital loans for small businesses. It is a direct peer because it competes in the same small-ticket equipment finance segment and serves similar industries such as healthcare, transportation, and construction.
• Direct Capital Corporation: Direct Capital provides equipment leasing and financing to small and mid-sized businesses across industries including healthcare, construction, and manufacturing. It overlaps closely with Encompass Capital Group in product set, customer profile, and flexible payment structuring.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks1 record

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/encompass-capital-group

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 encompass capital group