Equipment Sale-Leaseback Financing
Turn paid-off equipment into working capital.
With an equipment sale-leaseback, a funding partner buys equipment you own free and clear and leases it back to you. You keep using it every day, and the cash goes to whatever the business needs — including paying off expensive short-term debt.
Capco Capital is a commercial lending advisory firm that arranges financing as a loan broker, not a lender. Amounts, terms, and guidelines shown are general ranges that vary by lender, borrower, and (where applicable) property or collateral — they are not an offer or a commitment to lend.
Who it fits and how it works
An equipment sale-leaseback typically fits businesses with an operating history (often two years or more, depending on the program) and valuable equipment that has no liens on it. A funding partner buys the equipment and leases it back to you, so you keep using it every day while the cash goes to the business, including paying off expensive short-term debt. Expect an appraisal or inspection before funding.
Why Equipment Cash-Out
Typical highlights — actual eligibility and terms depend on the funding partner and your qualifications.
Who it's for
Construction, manufacturing, material-handling, oilfield, and vocational-truck businesses, typically with two or more years in business (depending on the program), and equipment that has no liens on it.
We arrange financing for businesses nationwide, except in California.
What lenders typically look for
General market ranges across the programs we place — not a quote, and not a promise of approval. Your specialist confirms what fits your file.
| Eligible equipment | Free-and-clear construction, manufacturing, machine tools, material handling, packaging, vocational trucks |
|---|---|
| Advance | Up to 100% of equipment value on some programs, for strong files |
| Typical terms | Up to 60 months |
| Credit | Around 600+ |
| Time in business | 2+ years |
| Not eligible | Medical equipment, commercial printers, sleeper tractors, forestry equipment |
| How fast | Usually one to two weeks, including the equipment appraisal or inspection. |
How it works
The same five steps for every deal we place — including the parts other lenders gloss over.
Pre-qualify
Two minutes, no credit pull. You get an instant read on your options.
Consult & apply
Talk it through with one of our team members, then submit the full application for your specific loan type — guided the whole way.
Match & negotiate terms
We package your file and place it with the lenders most likely to approve your deal. Offers come back; we compare them side by side and negotiate structure and pricing. You choose — nothing moves without you.
Underwriting & documents
Link your bank or upload documents once. Lenders often request additional documentation in underwriting — normal on nearly every deal, and we quarterback each request so nothing stalls.
Close & fund
Final approval, e-signatures, and closing on a real timeline — working capital in days, property on schedule. Then the capital lands.
Documents you'll typically need
A starting checklist for equipment sale-leaseback & cash-out — your specialist confirms the exact list for your funder.
- 01Signed applicationapplication
- 02Photo ID (owner)id
- 033 months of business bank statementsbank
- 04Voided business checkbank
- 05Most recent business tax returntax
- 06Equipment list & valuation (free-and-clear)equipment
- 07Schedule of collateralcollateral
Industries we often advise on for Equipment Sale-Leaseback & Cash-Out
Where equipment sale-leaseback & cash-out is one of the best-fit options for how the business earns.
Compare related options
Not sure this is the one? These are the structures owners most often weigh against it.
More on Equipment Sale-Leaseback & Cash-Out
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