Logistics & Warehousing

Warehousing and logistics operations run on equipment that holds value long after the original purchase. Forklifts, reach stackers, dock equipment, and fleet vehicles paid down over two or three years carry equity that most operators leave sitting idle. That is capital you could be using.

Cash-out equipment refinancing turns equipment equity into growth capital for logistics operators without disrupting operations. The lift keeps running. The reach stacker keeps stacking. Cash goes into the operating account or toward the next facility expansion.

Minimum transaction is $50,000. Most logistics and warehousing operators we work with fall costing on the order of $100k to $400k. Application-only processing handles the majority of transactions in that range. Funding timeline is one to two weeks from a complete file.

The equipment list inside a distribution center or intermodal yard is diverse. Most of it qualifies for refinancing or sale-leaseback financing.

• Forklifts and counterbalance lifts. Forklift refinancing is a core transaction for warehousing operators. Both internal combustion and electric units qualify, though electric fleets are valued differently based on battery life and condition.
• Reach stackers. Reach stacker refinancing applies at intermodal yards, port-side facilities, and high-density storage operations. These are high-value, specialized units that hold lendable equity well.
• Telehandlers and aerial lifts. Warehouses using telehandlers for high-bay storage or aerial work platforms for picking and maintenance have refinanceable assets in those machines.
• Box trucks and delivery vehicles. Box truck refinancing applies to last-mile and cross-dock delivery fleets. Paid-down delivery vehicles have equity the same way tractors do.
• Semi trucks and trailers used in distribution. Private fleet equipment, including the tractors and trailers operated by a logistics company rather than a carrier, qualifies the same way as carrier-owned equipment.

Used equipment is not a barrier. Older forklifts and reach stackers in good mechanical condition with documented service records often have meaningful remaining value as collateral.

Distribution and logistics companies face capital demands tied to facility growth, contract wins, and seasonal volume spikes. Adding a new shift, fitting out additional dock doors, or absorbing a large customer's distribution volume all require capital that may not be sitting in the operating account when the opportunity appears.

Equipment equity is a fast, clean source of that capital. It does not require a facility refinancing, does not dilute ownership, and does not depend on the profitability of the current period. A slow Q3 does not stop the transaction as long as the asset supports it and cash flow shows through the bank statements.

Logistics operators in inland port communities like Ontario, California, Memphis, and Kansas City run large fleets and significant warehouse equipment inventories that provide multiple sources of refinanceable collateral.

Equipment sale-leaseback is particularly well-suited to logistics operators because the operating model is already lease-friendly. Many distribution companies lease their warehouse space and are comfortable with the concept of leasing the equipment rather than owning it outright.

Under a sale-leaseback, the logistics company sells the forklift fleet or the reach stacker or the delivery vehicles to a lender at market value, receives cash at closing, and leases the equipment back under a structured monthly payment. The equipment stays in service. The cash goes to work immediately.

This structure also has off-balance-sheet treatment options depending on the accounting approach, which matters for companies that are reporting to investors or managing covenant ratios on other debt. A transaction structured correctly can improve certain financial ratios while generating liquidity.

Forklift and reach stacker refinancing typically runs in the two-to-five-year range depending on asset type and age. Younger, lower-hour equipment qualifies for longer terms. Older equipment may be capped at shorter terms based on expected remaining useful life.

Loan-to-value ratios vary by asset class. Forklifts generally support loan amounts up to 70 to 75 percent of fair market value. Reach stackers can carry similar or slightly higher ratios given their specialized nature and limited secondary market. Delivery vehicles are typically financed to 70 to 80 percent of book-to-market value.

Rate factors depend on credit profile and term. We do not publish rate tables because rates move with the market, but we give you a real number on every application, not a range. For operators with B or C credit, the B/C credit equipment financing program provides structured access regardless of score.

Give us your equipment list, approximate values and payoffs, and what you need the capital for. We will structure a transaction and come back with real numbers the same day you apply.

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