Our Story
David Scott founded Scott Business Capital on a conviction as old as commerce itself: enduring enterprises are built not by owning capital outright, but by putting the right equipment to work on the right terms.
Over more than two decades in asset finance, David has structured equipment leases and financing across industry — from manufacturing floors to fleets and clinical suites. He underwrites every transaction personally, favoring prudence over volume and relationships that outlast any single deal.
Before founding the firm, David held senior roles in asset and corporate finance, where he came to believe that the most valuable thing a lender extends is not capital, but judgment — and the patience to see an enterprise through its full cycle.
Who We Are
Scott Business Capital is a captive finance house. We own and lease the essential equipment that established enterprises depend upon, structuring financing on terms measured in years rather than quarters. We are not brokers passing paper — we hold the assets we finance, and we intend to stand behind every lease for its full life and well beyond.
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2001
David Scott begins his career in asset finance, learning to read a balance sheet and a working floor with equal care.
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2010
Structures and retains his first major equipment lease portfolio, serviced in-house through to full term.
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2018
Expands into direct ownership of leased assets across industrials, transportation, and healthcare equipment.
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2024
Scott Business Capital is formed to bring this discipline under a single, permanent house.
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2026
The firm continues to finance the equipment of enduring enterprises across the United States.
Patient capital, structured to endure the tides of every market.
Investment Strategy
We own and lease the equipment that keeps established enterprises running. Our approach is deliberate: fewer, better-structured leases, held to full term, with terms shaped to a borrower's true cash flows rather than a quota.
Proprietary Origination
We cultivate direct relationships with operators and manufacturers, so financing needs reach us long before they reach the open market.
Disciplined Underwriting
Every lease is stress-tested against conservative residuals and honest cash flows. We would sooner decline than overreach.
Asset Stewardship
We own what we finance. Valuing and standing behind the equipment through its working life is our responsibility, not an afterthought.
Aligned Structures
We shape terms so the lessee, the manufacturer, and our capital prosper together over the full life of the asset.
Flexible Capital
Leases, sale-leasebacks, or structured financing — we fit the capital to the equipment and the enterprise, never the reverse.
Long-Term Horizon
No pressure to churn. We hold our leases to term and remain a steady hand for as long as the equipment earns its keep.
What We Look For
- Established, profitable enterprises acquiring or refinancing equipment
- Financing needs from $500K to $25M per transaction
- Essential, long-lived assets: industrial, transportation, healthcare, and technology
- Operators who value a lender's judgment and discretion
- Headquartered in the United States
Contact
Office
100 Professional Center Dr, Suite 105
Rohnert Park, CA 94928