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Home  /  Equipment  /  Sale-Leaseback
Unlock equity · Keep the asset

Equipment-rich, cash-poor? Fix it in a week.

A sale-leaseback sells your paid-off commercial equipment to a lender, then leases it back to you on monthly payments. You walk away with a lump of working capital. The truck, machine, or kitchen line never leaves your operation.

Apply for sale-leasebackHow it works
How it works

Three steps. About seven days.

01
Appraisal

We value the equipment

Send photos, registration/title, service records. A lender appraiser confirms condition and current market value within 1–3 days.

02
Funding

Lender buys the asset

Sign a bill of sale transferring title. Funds wire to your business account — typically 70–90% of appraised value.

03
Leaseback

Lease it back, never miss a day

Equipment stays on-site, in your name as operator. Monthly lease payments. End of term: $10 or 10% buyout — or refinance.

When it makes sense

A sale-leaseback is the right move when…

  • You own equipment outright (or have substantial equity) and need working capital fast
  • You can't take on more bank debt but you have asset value sitting on your balance sheet
  • You want to pay off high-rate MCAs and convert that debt into a single lower-cost lease payment
  • You need cash to fund expansion, hire ahead of a contract, or bridge a slow quarter
  • Bank lending is closed to you but your equipment is high-value and well-maintained
FAQ

Sale-leaseback, answered.

Heavy trucks, trailers, construction equipment, manufacturing machinery, medical and dental equipment, restaurant kitchens, oilfield service equipment, agricultural machinery. Anything with a clear secondary market and verifiable serial number.

Typically 70–90% of the appraised fair-market value. A $500K piece of equipment might unlock $350K–$450K of working capital, depending on age and condition.

If equity remains, we can still structure a sale-leaseback — the existing lien is paid out from sale proceeds, and you receive the net equity as working capital. This is a common use case for refinance-style sale-leasebacks.

You continue to maintain commercial insurance on the equipment. The lender is added as a loss payee or named insured. Most operators see no premium change — same coverage, different beneficiary on the policy.

Convert equipment to capital.

Send us a list of your owned equipment. We'll give you a non-binding appraisal range within 48 hours.

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