WIN-WIN CAPITAL FUNDINGBridging Capital • Building Success
Asset-based lending

Machinery & Equipment (M&E) Loans

Add a term loan against your machinery and equipment to the asset-based facility for longer-term capital.

Apply nowAsset-based lending(210) 702-8811
Revolver + termStructure
CollateralFirst
3 – 6 wksTypical close
All 50States
Collateral

How machinery & equipment (m&e) loans works

Machinery and equipment you own can support a term loan alongside your revolving line. Lenders appraise M&E at orderly liquidation value and commonly advance up to 75–85% of OLV, amortized over three to seven years.

An M&E term piece is a powerful tool for acquisitions, recapitalizations and refinancing expensive debt.

Best for

  • Manufacturers and fabricators
  • Construction and transportation companies with owned fleets
  • Acquisitions and recapitalizations
Questions

Machinery & Equipment (M&E) Loans FAQ

How is M&E valued?

By an independent appraisal, usually at orderly liquidation value.

Is it part of the revolver?

It's usually a separate term loan inside the same facility.

What is asset-based lending?

A revolving line of credit, often paired with term loans, secured by your business assets: accounts receivable, chattel paper, inventory, machinery and equipment, and real estate. Availability is set by a borrowing base that moves with those assets.

How is ABL different from a bank line?

Banks lend mainly on cash flow and covenants. Asset-based lenders lend on collateral, so they can fund companies with losses, uneven earnings, fast growth or a leveraged balance sheet.

What advance rates are typical?

Commonly up to 80–90% of eligible receivables, up to 50–65% of inventory at net orderly liquidation value, and up to 75–85% of equipment at orderly liquidation value, set facility by facility.

Related

Other collateral & uses

Collateral

Accounts Receivable Financing

A revolving line secured by your invoices

Explore →Collateral

Chattel Paper Financing

Borrow against the installment contracts you hold

Explore →Collateral

Inventory Financing

Capital against finished goods and raw materials

Explore →Collateral

Real Estate in the Borrowing Base

Owner-occupied property added to your facility

Explore →Use case

Acquisition Financing

Buy a competitor, supplier or customer

Explore →Use case

Turnaround Financing

Capital when the bank says no

Explore →
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

Borrow against your machinery.

Start with the online application; agings and reports can be uploaded right on the page.

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.