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

Equipment Debt Restructuring

Restructure existing equipment obligations into a schedule your business can carry, before payments fall behind.

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

How equipment debt restructuring works

When a slow season, a lost customer or rising costs make equipment payments hard to carry, restructuring can reset the schedule. We look at every equipment note and lease, then rebuild the payments around what the business can support, often with a longer term, a reduced payment period or a seasonal schedule.

Acting early protects your credit and your equipment. Lenders are far more flexible before a default than after one.

Best for

  • Businesses facing a temporary cash squeeze
  • Owners with several equipment payments on different schedules
  • Companies in a turnaround

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 Debt Restructuring FAQ

Answers to common questions.

Will restructuring hurt my credit?

Restructuring before you fall behind is far less damaging than missed payments or repossession.

Can restructured payments be seasonal?

Yes. Many restructurings use skip or step payments.

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

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Fair Market Value (FMV) Lease

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Upgrade mid-term without starting over

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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 Debt Restructuring 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 debt restructuring?

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.