The desk behind the numbers.

One underwriting desk that reads equipment files all day — machine values, hours, and the work your iron is booked for.

Built around the equity, not the paperwork

Cash-Out Equipment Refinance reviews owned construction equipment equity throughout the United States. The desk structures cash-out refinances, consolidation requests, and sale-leaseback options for owner-operators, subcontractors, and multi-crew fleets alike.

How we work

One file, one desk

List the machines and the payoffs. The desk values the iron, sets the advance, and answers before the day is out.

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Three ways to pull equity

Paid-off iron is trapped capital. Pull equity out for payroll, projects, or new equipment; consolidate scattered notes into one clean payment; or sell the machine to us and lease it back without losing a day of work.

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Terms built around the work

Contracting revenue follows the job schedule, and the note should follow the backlog. Skip cycles, deferred starts, step payments, and seasonal structures are all on the table — built around your cash flow.

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Every make. Every class.

If it holds value, it prices

From mini excavators and skid steers to 100-ton cranes and highway tractors — Caterpillar, Komatsu, Deere, Volvo, Bobcat, Kubota, JLG, Genie, and every other major manufacturer.

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Where the money comes from

A bench of equipment lenders

The desk is not one lender. Files are placed across banks, independents, and asset-based shops that already fund iron — each one prices against the machine, and the strongest term sheet wins.

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How the desk values iron

Auction data, not book value

Values come off recent auction results and dealer resale for the exact make, model, year, and hours — not a depreciation schedule. The gap between book and market is usually where the equity hides.

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Track record

Built on funded files

Owner-operators, subcontractors, and multi-crew fleets have used this desk to consolidate notes, pull working capital, and keep machines on the job while the paper gets cleaner.

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CASH OUT EQUIPMENT REFINANCE

Numbers back the same day.

Send the machine, the payoff, and the cash you want out. The desk answers with rate, term, and payment.

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