| Takeaway | What It Means |
| 📈 Rebranded Lender | HPS Investment Partners acquired Marlin Capital Solutions in 2022, now operating as PEAC Solutions. |
| 🔧 Equipment Focus | Equipment financing, often through a lease, ranges from $5,000 to $250,000 over 12 to 60 months. |
| 💵 Working Capital | Working capital loans range from $5,000 to $500,000; larger sums require ~$800,000 in revenue. |
| 🔒 Strong Reputation | BBB A+ and about 4.7 Trustpilot stars from customers. |
| 📊 Rates After Applying | No published rates; a soft pull starts the file, and the interest rate follows. |
| ⭐ UCS Rating | We rate it 4.2 out of 5 for established buyers. |
Marlin Capital Solutions now operates as PEAC Solutions after its 2022 acquisition — our marketplace breaks down its equipment financing.
| Signal | Detail |
| Equipment financing | $5,000 to $250,000; 12 to 60 months; 0 to 15% down |
| Working capital | $5,000 to $500,000; 6 to 24 months; ~$800k larger loans |
| Funding | Equipment in hours; loans in 2 to 3 days; payments by ACH |
| Credit pull | Soft pull; rate after applying |
| Reputation | BBB A+; ~4.7 on Trustpilot |
| UCS rating | 4.2 out of 5 |
Search for Marlin Capital Solutions today, and a different name appears: the company became PEAC Solutions after HPS Investment Partners acquired it in 2022. Its products survived. This review covers what the lender currently offers, who it suits, and where its financing falls short.
Marlin Capital Solutions, the former Marlin Leasing, leases and finances business equipment. A customer picks the gear, the company pays the seller, and the customer repays over a fixed term. It also makes working capital loans available to owners who need cash.
United Capital Source is a full-service concierge business funding marketplace, and we publish lender reviews to help owners compare lenders. Since 2011, we have facilitated $1.6 billion-plus for 40,000-plus businesses across 80-plus lenders.
Marlin Capital Solutions is now PEAC Solutions, an equipment financing and working capital lender. The company began as Marlin Leasing Corporation, operated for about 25 years, and in 2022, HPS Investment Partners acquired it and folded it into PEAC, a global leasing group.
From the beginning, the US company was based in Mount Laurel, New Jersey, and remains there. The change in ownership left the old Marlin Leasing portfolio in place, owned by HPS, with decades of leasing expertise intact.
For a customer today, the change is smaller than the corporate one. The products, the equipment vendor disbursement, and the lending solutions all carried over; what shifted is the brand, the portal, and a tilt toward equipment leasing and international markets.
One HVAC contractor we worked with applied to Marlin in 2022 and came back under PEAC in 2025, finding the same vendor-paid equipment process behind a different login: same company, new name, same service. For an owner who trusted the old Marlin, that continuity is a quiet reassurance.
PEAC Solutions runs two products: equipment financing and working capital loans. Equipment financing is the flagship, and much of it is on a lease basis. The company funds tangible business equipment from $5,000 to $250,000 per asset, with lease terms of 12 to 60 months and zero to 15 percent down. Once approved, PEAC pays the seller, and the customer uses it; thus, a lease applies to one machine, vehicle, or device. A Mount Laurel dental practice might lease a $48,000 imaging unit over 48 months, with funds reaching the vendor in a day, and the machine installed soon after.
The second product is the working capital loan, $5,000 to $500,000 over 6 to 24 months, for owners needing cash rather than equipment to purchase. That money lands by ACH. PEAC also offers franchise lending solutions and serves customers across industries, with financing behind almost any kind of file. Additionally, documents go in through a self-service portal.
Pricing at PEAC comes after you apply, not before. The key thing to know about its financing: A soft credit pull starts the file, so checking does not dent your score, but the actual interest rate, fees, and late-payment terms appear only once PEAC has your details. For owners who like to compare costs line by line before committing, that opacity is a real friction.
Picture a commercial printer leasing a $90,000 press, zero down, over 60 months. At an illustrative 12 percent interest rate, the monthly bill nears $2,000, and the total tops $120,000; a higher tier runs higher. The company confirms the tier only after you apply; treat any figure as a planning estimate.
One offset is tax. Equipment financed this way often qualifies for the Section 179 deduction, allowing many businesses to write off the cost of qualifying equipment in the year it is placed in service and reducing the asset’s real cost. Competitive lease pricing and financing terms are hard to judge without that upfront rate.
Qualifying at Marlin depends more on revenue and time in business than on a credit score. PEAC leans toward established companies. For a lease, it weighs the asset, time in business, and bank-statement strength; a soft credit pull starts the review. That loan sets a higher bar: up to $150,000 generally requires around $800,000 in annual revenue, which quietly screens out many younger or lower-revenue operators.
A landscaper at $850,000 a year clears that line and could borrow $120,000; a $500,000 shop would not. If your file falls short, the United Capital Source network, a Small Business Finance Association member, offers a 475-plus credit floor through revenue-based and lease paths, including bad credit business loans. Falling just short of a revenue line is a familiar frustration, and it does not have to be the end of your search.
The small business loan application process starts with a short online form, not a branch visit. The path runs in five quick steps, and timing is typical rather than guaranteed.
Decide which product fits your goal: a lease for a single machine or asset, or a loan when you need general cash. Each follows the same short path from here.
Have the basics ready: a driver’s license, a voided business check, and three months of bank statements. For a lease, add the seller’s invoice for the asset.
Apply through PEAC’s online portal. PEAC takes customer applications this way, and a soft credit pull opens the file without denting your score.
Lease decisions can be made within hours; a loan takes 2 to 3 business days while the company’s team reviews your account, payments, and bank statements. Customer service is reachable by phone, mail, or the portal when you need someone to explain a step, answer questions, or provide support. The service team will respond with answers, and most find the contact and service options responsive.
After approval, funds are sent to the seller within a day, and the working capital loan is deposited into your account via ACH. Financing online is quick, with no in-person visit. The trade-off: you sign before the full picture of interest is clear. Keep the company’s contact details and account login handy for payments.
The company trades upfront price clarity for speed and a clean buying path.
On the plus side, funding is fast, the seller-paid lease process is clean, and the company holds a BBB A+ rating with about 4.7 stars on Trustpilot, a sign of steady service and support. Concerns in negative reviews are about communication: some customers report slow responses, and a few flag steep late fees. The financing works; service is the real concern.
Because rates appear only after you apply, paying close attention to the final terms before signing makes a real difference. For an established business buying equipment, the pros outweigh the cons; for a thin-margin operator paying close attention to price, the lack of upfront financing is a real drawback.
| Pros | Cons |
| Fast funding, often within a day | Rates and fees are shown only after you apply |
| The seller is paid directly, so the asset arrives quickly | A revenue bar near $800,000 on larger loans |
| A soft credit pull checks eligibility upfront | Some reports of slow communication |
| BBB A+ rating and about 4.7 Trustpilot stars | Suited to established businesses, not startups |
A business financing marketplace is the primary alternative to a single equipment lender, such as PEAC.
Where Marlin Capital Solutions runs one rulebook, United Capital Source, an Equipment Leasing and Finance Association member, sends one file to 80-plus lending partners. When a customer falls outside PEAC’s box, the marketplace catches more: a 540-credit restaurant owner at $520,000 revenue, declined for working capital, drew $75,000 on revenue-based terms through a UCS partner in 36 hours. It covers more than a lease: a line of credit, a merchant cash advance, a 475-plus floor.
It also scales. A Florida distributor considering a PEAC lease can pursue a $200,000 equipment purchase and a $60,000 line of credit on a single application; if a partner passes, the UCS team moves the file forward. The Federal Reserve’s Small Business Credit Survey ranks financing among owners’ top needs, and across millions in funded volume, UCS helps customers expand their portfolios of capital solutions. For an owner who has already heard one no, that second path can be the difference between stalling and moving ahead.
Marlin Capital Solutions, now PEAC Solutions, remains a capable equipment lender for established buyers. Based on user reviews, products offered, and rates and terms, we rate Marlin Capital (PEAC Solutions) 4.2 out of 5. The dedication to fast, seller-paid equipment financing and deep expertise is a strength, with responsive service and partner support for dealers and manufacturers.
The drawbacks are post-application pricing and the roughly $800,000 working-capital revenue threshold, which narrows the pool of those who succeed here. If you are an established company buying a specific machine, PEAC is a sound choice; if your credit or revenue is thinner, or you want to compare costs up front, the United Capital Source marketplace and our lender reviews give you more options to find the right fit.
| “I have watched plenty of owners get a no from one lender and assume that was the end of the road. It rarely is. A company like PEAC is a sound fit when you are established and buying a specific piece of equipment, but if your revenue or credit sits just outside their box, you still have options. That is why we built United Capital Source as a full-service concierge business funding marketplace: one application, a real conversation, and a network of lenders working to find the right fit, so a single no never has to be the final answer.“
– Jared Weitz, CEO and Founder of United Capital Source |
HPS Investment Partners acquired Marlin Leasing Corporation, the company behind Marlin Capital Solutions, in 2022 and renamed it PEAC Solutions.
PEAC Solutions is the current name of the Marlin Leasing business, which has a BBB A+ rating and serves US customers from its Mount Laurel location.
Marlin weighs the equipment, time in business, and bank statements into a single score; thinner-credit customers fit the marketplace better.
PEAC Solutions finances and leases equipment from $5,000 to $250,000 and makes working capital loans across many industries.
A call from Capital Solutions or PEAC is usually about an equipment lease, a payment, or a renewal; confirm the caller and your account first.
PEAC operates under HPS Investment Partners’ leasing platforms, which are owned by HPS funds and led by CEO Bill Stephenson, with the former Marlin Leasing team folded in.
Drawbacks: interest disclosed only after applying, possible prepayment or late fees, and a bar that can leave newer companies short.
Whether Marlin Capital Solutions, now PEAC Solutions, fits your equipment lease or you need a wider net, one application to the United Capital Source marketplace reaches 80-plus lenders for financing and working capital. Contact our funding team, and we respond fast, with funding for qualified customers in 24 hours.
| One Application, 80+ Lenders
Apply once and let United Capital Source match your file. If one lender passes, your application moves forward, so you never have to restart. |
Disclaimer
This Marlin Capital Solutions review reflects product details and company status as of June 2026 and is general information, not financial advice. Terms and qualifying criteria for PEAC Solutions can change; verify details with the provider and consult the U.S. Small Business Administration or a qualified CPA before financing equipment. United Capital Source is a business funding marketplace, not a lender.
The Marlin Capital Solutions trademark is owned by MARLIN LEASING CORPORATION® and its use herein is for reference purposes only and it does not indicate sponsorship or endorsement from MARLIN LEASING CORPORATION®.
Jared Weitz is the Founder & CEO of United Capital Source (UCS), one of the nation’s fastest-growing business financing marketplaces. Since founding the company in 2011, Jared has built a technology-enabled platform that has facilitated over $1.6 billion in funding to more than 40,000 businesses across the United States. Under his leadership, UCS has evolved into a full-service marketplace that connects business owners with 80+ lenders while providing hands-on guidance throughout the entire funding process. Rather than selling client information like most lead generation companies in the business loans space, UCS works directly with each applicant—leveraging technology and experienced funding professionals to match businesses with the right financing options, structure deals, and guide them from application through funding and future growth. Jared’s work has earned national recognition, including the National Commercial Loan Broker of the Year award in 2019, and placements on the Inc. 5000 list in 2015 and 2017. He also serves as Broker Council Co-Chairman for the Small Business Finance Association, where he helps advocate for expanded access to capital for small businesses nationwide.
