Machinery Partner Inc., an online marketplace for heavy equipment, has launched Machinery Partner Capital Solutions, a new captive finance arm built to simplify and accelerate how contractors finance the machines they need to grow.

This expansion marks a major leap forward in applying fintech innovation to the equipment space. By bringing speed, transparency, and personalization to financing, Machinery Partner is extending its digital-first model to one of the most painful parts of the procurement process.

At the core of the platform is a partnership with Kaaj.ai, a San Francisco-based fintech that uses AI to automate credit prescreening and underwriting. “Kaaj’s AI agents verify businesses, assess risk, and generate next steps in real-time,” said Shivi Sharma, co-founder of Kaaj. “The result is faster decisions, better matches, and more approvals without the paperwork.”

Unlike traditional captive models that only offer in-house loan products, Machinery Partner Capital Solutions acts as a true matchmaker, connecting customers with the best lender for their specific needs. This is made possible through a strategic partnership with Mazo Capital Solutions, the platform’s primary back-room lender.

“At Mazo Capital, our goal is to give partners like Machinery Partner the infrastructure to scale with confidence,” said John Pfister. “We’re proud to support a financing experience that’s fast, flexible, and built around how modern contractors actually operate.”
Key features of the new platform include:

• Financing available for transactions up to $5 million
• Get approved quickly for loans up to $500,000
• Optional 90-day deferrals and seasonal payment plans
• Compatibility with customer-preferred lenders even outside the Machinery Partner network

“We created Machinery Partner Capital Solutions to eliminate the delays and complexity that contractors have come to expect,” said Tim Murphy, CLFP and Equipment Lending Officer at Machinery Partner. “Whether you're a quarry buying a crusher or a small contractor financing a $10,000 breaker, we deliver financing that fits.”

Machinery Partner now offers a fully integrated experience, from sourcing hard-to-find equipment to securing funding and providing ongoing service. The company currently operates in 42 states, supporting over 200 contractors with a modern approach to heavy equipment ownership.