PEAC Solutions: Leveraging Expertise and Agility to Dominate the U.S. CT&I Equipment Finance Market

The U.S. construction, transportation, and industrial (CT&I) equipment finance market is a high-stakes arena where speed, flexibility, and deep industry knowledge determine success. In this competitive landscape, PEAC Solutions has emerged as a formidable contender, driven by a strategic leadership shift and a non-bank model that defies traditional constraints. At the heart of this transformation is Tibor Horvath, a 40-year CT&I industry veteran whose expertise and vision have accelerated PEAC's rise as a leader in equipment financing.

A Leadership Shift with a Legacy

Tibor Horvath's appointment as Senior Vice President and Global Lead for PEAC's CT&I division in 2022 marked a pivotal moment. With a career spanning decades at global finance institutions and 18 years at DLL, Horvath brought unparalleled experience in vendor partnerships, product innovation, and market expansion. His leadership has been transformative: under his guidance, PEAC's CT&I business segment grew from $125 million in volume in 2022 to $340 million in 2025—a 170% surge—while onboarding over 20 new vendor partners, including heavyweights like Atlas Copco, NOBLELIFT, and LiuGong.

Horvath's approach is rooted in a “people-first” philosophy and a willingness to challenge conventional boundaries. Colleagues describe him as a mentor who fosters collaboration while pushing teams to innovate. For example, his emphasis on scalable vendor relationships has enabled PEAC to design financing programs that align with the unique needs of OEMs, dealers, and end-users. This alignment is critical in the CT&I sector, where businesses require tailored solutions to navigate supply chain bottlenecks and fluctuating demand.

The Non-Bank Model: A Strategic Edge

PEAC's independence from traditional banking structures is a cornerstone of its competitive advantage. Unlike bank-owned leasing entities, PEAC operates without the bureaucratic inertia and regulatory constraints that slow down approvals and limit flexibility. This agility allows it to offer:
- Streamlined processes: No mandatory banking account requirements, enabling faster access to capital.
- Customized financing: Rental fleet financing, inventory solutions, and adaptive repayment terms tailored to CT&I cash flow cycles.
- Digital innovation: Tools like fa$tTrak (real-time approvals) and PEAC Portal 2.0 (centralized contract management) enhance efficiency for dealers and customers.

The benefits are tangible. In 2024, PEAC executed two securitizations totaling nearly $1 billion, backed by leases on construction and industrial equipment. These transactions earned top-tier ratings (F1+/AAA from Fitch, K1+/AAA from KBRA), reflecting investor confidence in the company's financial stability and growth trajectory. Meanwhile, traditional banks—burdened by rigid structures—struggle to match such speed and adaptability.

Outperforming in a Competitive Market

The CT&I equipment finance market is highly fragmented, with legacy players often prioritizing risk mitigation over customer-centric innovation. PEAC's non-bank model, combined with Horvath's expertise, allows it to fill this gap. For instance, its partnership with Exodus Global to finance high-demand attachments (e.g., Connect Work Tools, ShearCore) demonstrates its ability to adapt to niche market needs. Such agility is particularly valuable in the U.S., where CT&I businesses require rapid access to equipment to maintain operational momentum.

Financial metrics underscore PEAC's outperformance. In 2024, the company reported $1.49 billion in new business volume—a threefold increase from 2022. This growth is underpinned by a diversified funding strategy and a focus on digital transformation. By 2025, PEAC's market share is expected to expand further, driven by its ability to offer competitive rates, seamless digital tools, and a personal touch that resonates with CT&I stakeholders.

Investment Implications

For investors, PEAC's trajectory highlights a compelling opportunity. The company's strategic alignment with industry trends—such as the shift toward rental fleets and digital finance—positions it to capitalize on long-term demand. Moreover, its non-bank model insulates it from regulatory headwinds that plague traditional lenders, ensuring sustained agility.

However, risks remain. The CT&I sector is cyclical, and economic downturns could pressure equipment utilization rates. Investors should monitor PEAC's credit underwriting and its ability to maintain strong vendor relationships amid macroeconomic volatility.

Conclusion

Tibor Horvath's 40-year mastery of the CT&I sector, paired with PEAC's non-bank model, creates a powerful formula for outperformance. By prioritizing speed, customization, and digital innovation, the company is not only capturing market share but redefining industry standards. For investors seeking exposure to a high-growth, agile player in the equipment finance space, PEAC Solutions offers a compelling case—provided its strategic momentum continues to align with evolving market demands.

In an era where traditional banks lag in responsiveness, PEAC's blend of leadership expertise and operational agility is a beacon for the future of equipment finance.