WIN-WIN CAPITAL FUNDINGBridging Capital • Building Success
Equipment product · Nationwide

Equipment Refinancing

Refinance existing equipment debt into a lower payment, or unlock cash from equipment you own free and clear.

Apply nowAll equipment programs(210) 702-8811
$15K – $10MM+Amounts
Up to $1MMApplication only
12 – 84 mo.Terms
All 50States
Product

How equipment refinancing works

If your equipment is worth more than you owe, refinancing can put that equity to work. Consolidate several equipment notes into one payment, stretch the term to lower your monthly outlay, or replace an expensive merchant cash advance with a fixed equipment payment.

Equipment you own outright can also be refinanced for cash. Lenders appraise the fleet or machinery, advance against its value and you keep using it every day.

Best for

  • Consolidating several equipment notes
  • Replacing MCA or short-term debt with a fixed payment
  • Owners with paid-off equipment who need working capital

Program terms

Every product and structure is available through the same equipment program: $15,000 to $10 million and more, application-only approvals up to $1 million, 12 to 84-month terms, A through C- credit and no industry restrictions.

Questions

Equipment Refinancing FAQ

Answers to common questions.

How much can I get?

Typically a percentage of the equipment's appraised orderly liquidation value, less what you still owe.

Will it affect my operations?

No. You keep the equipment and keep working.

How much equipment can I finance?

From $15,000 to $10 million and more. Approvals up to $1 million can often be made on a one-page application, with no tax returns or financial statements.

What credit do I need?

Programs span A through C- credit. Strong credit gets the lowest rates and 100% financing; challenged credit can still be approved with a down payment or additional collateral.

Do you finance startups?

Yes. Businesses with one year or more in operation have the most options, and startup programs are available with a strong owner profile or down payment.

Related

More ways to finance equipment

Compare other products and structures.

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Equipment Term Loan

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Installment Purchase Agreement

Buy over time with a simple installment contract

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Equipment Finance Agreement (EFA)

Loan-like simplicity on a single contract

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$1 Buyout Lease

A lease that ends with ownership for one dollar

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Fair Market Value (FMV) Lease

Lowest payment, flexible end of term

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Equipment Debt Restructuring

Reset payments when cash flow is tight

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Equipment Refresh & Trade-Up

Upgrade mid-term without starting over

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Equipment & Invoice Factoring

Turn receivables into cash for equipment

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Contract Discounting

Cash today for the contracted payments you'll receive

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By state

Equipment Refinancing by state

Available in all 50 states and D.C.

Discuss your scenario

Rather talk it through first?

Skip the full application. Tell us what you need in a few words and an account executive will call you back with options.

  • No application, no credit pull
  • A real account executive, not a call center
  • Usually a call back within one business day
Prefer to call? (210) 702-8811
Next step

Ready to apply for equipment refinancing?

Tell us about the equipment and we'll bring back the right structure.

Start the application

Commercial financing is arranged through Win-Win Capital Funding's network of banks, equipment lessors and asset-based lenders. Rates, terms, advance rates and amounts depend on credit, time in business, revenue, collateral and the equipment, and all financing is subject to credit approval and documentation. Tax treatment varies; consult your tax advisor. This is not a commitment to lend.