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

Equipment Sale-Leaseback

Convert equipment you already own into working capital: sell it to a funder, lease it back and keep using it every day.

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

How Equipment Sale-Leaseback works

An equipment sale-leaseback releases the cash tied up in machinery, vehicles or technology you already own. A funder buys the equipment at its appraised value and leases it right back to you. You get a lump sum for growth, payroll, debt payoff or an acquisition, and nothing changes on the shop floor.

Sale-leasebacks are often approved on the strength of the equipment, which helps businesses that are growing faster than their bank line or rebuilding after a tough year.

Best for

  • Owners with paid-off equipment
  • Funding growth, acquisitions or debt payoff
  • Businesses whose bank line has maxed out

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 Sale-Leaseback FAQ

Answers to common questions.

How much can I raise?

A percentage of the equipment's appraised value, usually orderly liquidation value.

Do I get the equipment back?

Most sale-leasebacks include a buyout at the end of the term, often $1 or a fixed percentage.

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.

Structure

TRAC Lease

The truck and trailer lease built for fleets

Explore →Structure

Conditional Sale / Money-Over-Money

Ownership-style financing on a lease form

Explore →Structure

Skip Payment Lease

No payments in your off-season

Explore →Structure

Step / Unlevel Payment Lease

Payments that grow as the equipment pays off

Explore →Structure

Synthetic Lease

Off-balance-sheet accounting with ownership tax benefits

Explore →Structure

Maintenance & Service Financing

Bundle service, warranties and soft costs into one payment

Explore →Structure

Seasonal Payment Plan

A payment calendar built around your revenue

Explore →Structure

Mid-Term Amendment Lease

Add equipment to your lease without a new contract

Explore →
By state

Equipment Sale-Leaseback 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 Sale-Leaseback?

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.