Pay less every month on equipment you already own.

Refinance one equipment loan or consolidate three. Extend the term to lower the monthly. Cash out trapped equity if you have it. Whatever the structure today, there's almost certainly a better one available.

Apply for refinance When refinance pays off

When refinance pays off

Four scenarios that almost always make sense.

01 — Cash flow squeeze

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Lower the monthly payment

Extend the remaining term from 24 months to 48. Same balance, half the monthly. Pay extra principal anytime.

Best forTight months ahead

02 — Rate compression

Replace high-rate financing

Took on debt when rates or your credit were worse? Refinancing now can save 3–8 percentage points per year.

Best forRate has improved since

03 — Consolidation

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Roll multiple payments into one

Three trucks, three lenders, three debits. We refinance into a single facility with one payment, one schedule.

Best forMulti-loan portfolios

04 — Equity cash-out

Pull equity out of equipment

Paid the truck down to 30% of value? Refinance back to 70% and walk away with capital — without selling the asset.

Best forEquipment-heavy operators

FAQ

Equipment refinance, answered.

A refinance involves a credit pull (small, temporary impact). The existing loan is paid out, which improves your debt-to-income ratio. Net effect is usually neutral to positive within 60–90 days.

Maybe. Equipment loans often have prepayment fees in the first 12–24 months. We pull your payout statement and factor that into the refinance math — if the savings don't outweigh the penalty, we'll tell you to wait.

Most refinance files close within 7–14 days. The biggest variable is the existing lender's payout statement — sometimes those take 3–5 business days alone.

See if you can refinance.

Send us the loan docs you have. We'll model the savings for you — no commitment, no credit pull.

Apply for refinance Send loan docs for review