Unlock capital from
equipment you own.
Sell equipment you already own to a lender and lease it back. Free up 70 to 90% of appraised value without interrupting operations.
How Sale-Leaseback
works.
- →Monetize equipment equity without selling the asset
- →Continue using the equipment uninterrupted throughout the lease
- →Typically 70 to 90% advance on appraised value
- →Proceeds can fund operations, new equipment, or pay down higher-cost debt
- →Term structured around remaining useful life and cash flow
- →Available on most equipment categories from $30,000 to $5,000,000+
This program fits
these situations.
Deal size and advance rate depend on equipment age, condition, and appraised value. Call us to discuss your specific asset — (866) 545-3273.
Sale-Leaseback,
answered.
How much capital can I get from a sale-leaseback?
Typical advance is 70 to 90% of the appraised fair market value of the equipment. The specific advance rate depends on equipment type, age, condition, and current secondary market for the asset. Lab instruments and CNC machine tools with strong residual values typically advance toward the high end. Older or specialized equipment may advance at the lower end. We will give you a realistic estimate before you spend time on a formal appraisal.
Does a sale-leaseback interrupt operations?
No. The equipment stays in place at your facility throughout the process. You sign over title to the lender, sign the lease back, and continue using the equipment exactly as you have been. Most sale-leasebacks close without the equipment ever moving. Operations continue uninterrupted from the buyer's and your staff's perspective.
What documentation do I need?
Equipment list with serial numbers, original purchase documentation (invoices, financing payoff if applicable), recent service records, photos of the equipment in current condition, and your business financials (2 years of tax returns, recent bank statements, P&L). For larger deals, a formal third-party appraisal may be required. We tell you exactly what is needed before you spend time gathering it.
How does a sale-leaseback affect my taxes?
The sale portion may trigger capital gains or recapture depending on the equipment's tax basis vs. sale price. The leaseback payments are typically deductible as operating expense. The overall tax impact depends on your specific situation. We strongly recommend running the structure by your CPA before committing — the tax outcome can change which structure makes sense.
What kind of equipment qualifies for sale-leaseback?
Equipment with a clear secondary market and verifiable value: CNC machine tools, lab and analytical instruments, medical equipment, heavy construction iron, agricultural equipment, and most production assets. Equipment must be owned outright (or have a clear payoff if currently financed). Highly specialized or custom-built equipment may have limited buyer interest, which affects the appraisal and advance rate.
Can I do a sale-leaseback if my equipment is currently financed?
Yes. If you have remaining balances on existing financing, the sale-leaseback proceeds first pay off the existing lender, then any excess funds come to you. This is common when consolidating multiple equipment loans or accessing equity that has built up after paying down the original financing for several years. We coordinate the payoff with your existing lenders so it closes cleanly.
Ready to apply?
Start the application and we'll match this structure to the right lender within 24 hours.