People's Capital and Leasing

People's Capital and Leasing Corp. (PCLC) is a nationally-ranked, top 50 equipment finance company, with regional offices across the country and headquarters in Bridgeport, CT. Since 1997 our team of experienced professionals has provided individualized equipment finance and specialized lending solutions that support the goals of growing businesses nationwide.

We assist companies in acquiring new and used equipment, as well as restructuring existing financing to minimize interest expense, conserve cash flow and properly reflect all tax considerations. Our activity is focused on transactions over $250,000, with amortization terms of three to fifteen years.


PCLC is focused on the industries we serve. With an up-to-the-minute perspective on recent events and trends in the sector, we view ourselves not only as a financial services provider, but also as an industry partner. Our commitment to these industries is reinforced through our active membership in many state, regional and national associations across the country.

We know your business

Our seasoned professionals understand the business challenges you face every day, and our solutions reflect that. Our dedicated finance representatives will be responsive to your needs with our financing throughout the lifetime of your relationship. Custom-tailored solutions, backed by in-depth industry knowledge --- that's the People's Capital and Leasing Corp. difference.

To learn more about how PCLC can help you, contact us at 203-338-6500 or email

SBA 504 and IRB Financing 

People's Capital and Leasing also has expertise in using various Small Business Administration financing programs and Industrial Development and Revenue Bond structures to best suit your company's capital requirements. Use of these programs can result in enhanced full-term cash flow due to longer repayment terms and lower interest expense compared with non-program financing.

Vendor Program Financing 

People's Capital and Leasing offers fully customized vendor/manufacturer programs. The benefits of specially tailored financing programs are increased sales, the ability to facilitate equipment upgrades, and strengthened customer/vendor relationships.

Fixed and Floating Rates 

Our financings can also be tailored on a variable or fixed interest rate basis. Unlike many finance companies, we can lock in a fixed rate upon credit approval and hold that rate for approved transactions up to 60 days prior to loan/lease commencement. We can also index the rate using various economic indicators.

Secured Loans and Finance Leases 

We specialize in providing capital loans and finance leases for acquisitions of new and used equipment as well as creatively restructuring existing equipment financings. These financings are executed either in conjunction with a vendor program and/or with our customers directly.

Operating Leases 

If equipment purchases are to be financed using “off-balance sheet” criteria, we can help you structure the transaction to conform with Financial Accounting Standards Board and Internal Revenue Service requirements.

Synthetic Leases 

Although the requirements for an operating lease are defined using quantitative methods (per the Financial Accounting Standards Board and for financial statement presentation), the IRS criteria rely on general economic risk and reward criteria. We can work with our customers and their tax consultants to structure a synthetic lease so that the customer may enjoy operating leases for GAAP financial presentations and still claim accelerated depreciation for tax purposes.

Related Information

  • To learn more, contact us today at 203-338-6500.


*Some Restrictions Apply.

People's Capital and Leasing Corp. is a subsidiary of People's United Bank, N.A.


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