Your trucks, machinery, manufacturing equipment, generators, and material handling assets aren't just tools — they're dormant capital. Our equipment sale-leaseback program converts that capital into immediate working funds, from $500,000 to $100,000,000+, without you missing a single day of operation.
You own equipment. That equipment has real, current market value. But that value is locked — it's sitting on your balance sheet doing nothing for your cash position.
A sale-leaseback fixes that.
You sell the equipment to our lender partner at fair market value.
Simultaneously, you lease the equipment back from them on terms you agree to in advance.
You get the cash from the sale wired to your business account, typically in days.
You continue using the same equipment, in the same location, with zero operational disruption.
At the end of the lease, you choose: buy the equipment back, extend the lease, or upgrade to newer equipment.
That's it. No magic. No complexity. Just a structured transaction that turns equipment equity into working capital.
Most sale-leaseback companies advance capital based on auction value or orderly liquidation value — what your equipment would bring at a quick auction sale. That's a fraction of what the equipment is actually worth. Our program uses Fair Market Value — the real, defensible market value of your equipment. The difference can mean millions of dollars more in your business account.
Most equipment sale-leaseback programs use one of these valuation methods, listed from worst to best for the equipment owner:
What the equipment would bring if it had to be sold in 30-60 days at auction. Typically 30-50% of equipment's true market worth.
What the equipment would bring at auction with reasonable time (90-180 days). Typically 50-70% of equipment's true market worth.
What the equipment would actually sell for in a normal, open-market transaction between a willing buyer and willing seller with reasonable time to find each other. Substantially higher than auction-based valuations.
For an equipment owner with $5 million worth of equipment, here's what the difference can look like:
| Valuation Method | Typical Advance | Cash to Your Business |
|---|---|---|
| Forced Liquidation Value (40% typical) | 40% of $5M | $2,000,000 |
| Orderly Liquidation Value (60% typical) | 60% of $5M | $3,000,000 |
| Fair Market Value (Our Program) | Substantially higher | Significantly more capital |
The difference can be $1,000,000+ more capital in your business — for the same equipment.
That's not a small difference. That's the difference between barely covering an obligation and fully funding your next expansion.
We've partnered with one of the few sale-leaseback specialists in the country that underwrites consistently at Fair Market Value rather than auction value. Their model is built on the principle that equipment value should reflect what it's actually worth in the real market — not what it would bring at a fire sale.
This is one of the biggest reasons operators choose our sale-leaseback program over competitors. Once an equipment owner understands the difference between FMV and auction-based programs, the decision is straightforward.
If you've been quoted by other sale-leaseback companies and the dollar amount felt low, here's why: they were almost certainly basing their offer on Orderly Liquidation Value or Forced Liquidation Value — not on what your equipment is actually worth.
Bring us those quotes. We'll show you what your equipment is worth under a Fair Market Value-based program. In most cases, the dollar difference is dramatic.
Fair Market Value advances are subject to lender evaluation of the equipment, including consideration of condition, age, market demand, equipment type, location, documentation, and other underwriting factors. Specific advance percentages vary by equipment category and transaction structure. Final advance amount determined by lender's underwriting on each individual transaction.
Sale-leaseback isn't for every situation — but when it fits, nothing else delivers the same result.
Bank financing takes 30–90 days. Sale-leaseback funds typically wire in days. When the opportunity or the obligation can't wait, this is the fastest way to large capital using assets you already own.
Existing bank lines tapped out or earmarked for operations? Sale-leaseback brings in capital without touching them — keeping your bank relationships intact for the working capital they're designed for.
New location, new contract, business acquisition, new product line. The equipment you already own can fund the next move.
MCAs, hard money, expensive short-term debt — sale-leaseback can refinance them at a fixed structure with predictable monthly payments.
Trade one large depreciated asset on the balance sheet for cash plus a manageable monthly lease payment. Frees up cash for operations.
Lease payments may be fully deductible as business expenses. Many sale-leaseback structures qualify. Consult your CPA for your specific situation.
We finance equipment across most industries. If you have business-essential equipment with verifiable market value, you likely have a candidate for sale-leaseback.
Heavy equipment, excavators, bulldozers, cranes, dump trucks, concrete equipment, paving equipment, fleet vehicles.
CNC machines, production lines, fabrication equipment, presses, packaging lines, robotics, assembly equipment.
Tractors, trailers, refrigerated units, fleet vehicles, terminal tractors, specialized hauling equipment.
Forklifts, reach trucks, warehouse equipment, automated storage systems, conveyor systems.
Industrial generators, turbines, utility equipment, backup power systems.
Imaging equipment, surgical equipment, dental equipment, diagnostic systems, lab equipment.
Tractors, combines, harvesters, irrigation systems, agricultural processing equipment.
Production lines, packaging machinery, refrigeration, processing equipment.
Aircraft, ground support equipment, maintenance equipment.
Drilling equipment, extraction equipment, processing equipment, utility infrastructure.
Not sure if your equipment qualifies? That's exactly what the application is for. Submit it, and we'll tell you within one business day.
When you share equipment details, financials, and business information with us, you're trusting us with sensitive data. We take that seriously.
This is non-negotiable. Selling client data would violate our values and end our business. Neither is going to happen.
Equipment sale-leaseback is one of the most underused commercial finance tools in the United States. Understanding it requires breaking it into its component parts.
Equipment sale-leaseback is a financing transaction in which a business sells equipment it owns to a financial institution at fair market value, then immediately enters into a lease agreement to continue using that same equipment. The business receives cash from the sale and pays monthly lease payments under terms agreed in advance.
$500,000 minimum to $100,000,000+ maximum per transaction. Most transactions fall between $5,000,000 and $25,000,000.
Construction equipment (excavators, bulldozers, cranes, dump trucks), manufacturing machinery (CNC machines, production lines, presses), transportation assets (tractors, trailers, fleet vehicles), material handling equipment (forklifts, warehouse systems), power generation equipment (industrial generators, turbines), medical equipment (imaging, surgical, diagnostic), agricultural equipment, food processing equipment, aviation assets, and energy/utility equipment.
Seven to fourteen business days from complete application to funding, depending on equipment evaluation requirements and deal complexity.
Working capital needs requiring faster speed than traditional bank financing, refinancing high-cost merchant cash advance debt, funding expansion or acquisition opportunities, improving cash flow without drawing on existing credit lines, and tax-efficient capital structures (subject to CPA consultation).
Asset-based, meaning the equipment's market value and the borrower's ability to make lease payments drive approval. Credit considered but not the sole factor.
We Finance America places equipment sale-leaseback transactions nationwide through partnerships with leading equipment finance companies.
If you're looking to acquire new or used equipment for your business — rather than unlocking capital from equipment you already own — we can place traditional equipment financing through our lender network as well.
For equipment financing inquiries, call (786) 321-7366 or apply through our general loan application. One of our advisors will route your inquiry to the right program.
A complete application takes about 3 minutes. We'll review it personally and respond within one business day with a clear path forward.
Have a complex situation that needs a conversation first? Call (786) 321-7366 — but starting the application first makes that conversation more productive.