Equipment Sale Leaseback Financing for Working Capital
An equipment sale leaseback allows your business to sell owned equipment to a financing company or lender for a lump sum of cash, then lease it back and continue using it without interrupting operations. Same equipment. Same team. New working capital.
* Financing options are evaluated individually. Programs available nationwide.
5 Proven Benefits of an Equipment Sale Leaseback
An equipment sale leaseback is one of the most underutilized financial strategies available to business owners today. If your company owns equipment outright — or has significant equity in it — a sale leaseback converts that dormant asset into immediate, deployable working capital while your operations continue without interruption. Here are the five reasons smart businesses choose it.
Immediate Cash Injection
An equipment sale leaseback delivers a lump-sum cash payment directly to your business account once the transaction is approved and documented. Use it for expansion, payroll, debt payoff, or seizing time-sensitive opportunities. Unlike many traditional financing options, a sale leaseback is secured primarily by the value of equipment your business already owns.
Zero Operational Disruption
Your equipment never moves. The equipment remains at your facility and your business continues using it during the leaseback. The equipment sale leaseback is a purely financial transaction — the only thing that changes is the working capital in your account and the fixed monthly lease payment on your books.
Potential Balance Sheet and Capital Benefits
A sale leaseback may offer balance sheet and capital structure benefits depending on how the transaction is structured and classified. Accounting treatment depends on the transaction structure and applicable accounting standards. Businesses should consult their accounting professional regarding the treatment of a sale leaseback under ASC 842 and other applicable requirements. Learn more about ASC 842. According to Investopedia, sale leasebacks are widely used by corporations to improve financial flexibility.
Potential Tax and Cash-Flow Benefits
Lease payments may be deductible depending on the transaction structure and applicable tax rules. Consult your tax advisor regarding your specific circumstances.
Financing Options for a Wide Range of Equipment
EquipCash reviews equipment sale-leaseback opportunities individually, with options for many equipment types and business situations.
How an Equipment Sale Leaseback Works
The process is straightforward by design.
Assessment
Submit a list of the equipment you own. We review asset types, ages, conditions, and your business situation to structure the best possible leaseback transaction.
Review Your Equipment and Business Needs
We review your equipment, ownership information, and business objectives to explore financing options suited to your transaction.
Lease and Financing Structure
EquipCash works with you and our financing network to structure appropriate lease or financing terms for your equipment and business situation.
Approval and Documentation
Upon approval, required documentation is completed. Timing varies by equipment type, transaction size, appraisal, and transaction qualifications.
Equipment Sale Leaseback vs. Traditional Business Loan
Not all capital strategies are created equal. For businesses that already own valuable equipment, an equipment sale leaseback can provide a different source of capital than a traditional business loan, particularly for businesses that already own valuable equipment.
| Factor | ✅ Equipment Sale Leaseback | 🏦 Traditional Business Loan |
|---|---|---|
| Collateral required | The equipment you already own — no additional collateral | Personal guarantee, real estate, or other assets typically required |
| Credit requirements | Flexible — asset value drives the transaction | Strong credit score and financials typically required |
| Speed to funding | Timing varies by equipment, documentation, and transaction details | Weeks to months for bank approval and closing |
| Balance sheet impact | Converts fixed asset to cash — improves liquidity ratios | Adds liability — increases debt load |
| Operational impact | Zero — equipment stays in place, team keeps working | Zero — but approval process takes time |
| Tax treatment | Lease payments may be deductible depending on structure — consult your tax advisor | Only interest is deductible — not principal |
| Best for | Equipment-rich businesses needing immediate working capital | Businesses with strong credit and time to wait |
| Minimum amount | Options for transactions of various sizes; up to $100 million considered | Varies widely by lender |
* Results vary by credit profile, program, and equipment type. Consult a financial advisor regarding the best structure for your business.
Equipment Sale Leaseback Programs Across All Industries
Our equipment sale leaseback programs are built for the heavy assets that drive the American economy — from hospital imaging suites to construction fleets to manufacturing production lines. If your business owns it and uses it, we can likely unlock its value.
Medical & Healthcare
Access working capital from owned medical and diagnostic imaging equipment, including MRI, CT, ultrasound, and other eligible systems. Individual assets and equipment groups can be reviewed.
Medical equipment leasing →
Aircraft & Aviation
Access working capital from eligible business aircraft, corporate jets, turboprops, and helicopters. Aircraft age, condition, and maintenance history are considered during review.
Dental Equipment
Explore sale-leaseback opportunities for dental chairs, imaging equipment, CAD/CAM technology, and other eligible dental assets, individually or together.
Construction & Heavy Equipment
Convert excavators, cranes, and yellow iron into working capital — improve bonding capacity while keeping your crews on-site.
Construction financing →Transportation & Logistics
Monetize your semi-truck and tractor-trailer fleet while keeping every driver on the road and every load on schedule.
Truck financing →Industrial & Manufacturing
Convert CNC machines, robotics, and assembly lines into liquid working capital — while your production floor keeps running at full output.
Manufacturing financing →Recently Purchased Equipment? Put That Cash Back to Work.
If your business recently paid cash for equipment, a sale-leaseback can put that capital back to work. On eligible transactions purchased within the last 30–60 days, up to 100% of the purchase price may be recovered — and equipment purchased earlier can also be considered.
Available financing is evaluated individually and may be less than the original purchase price.
Explore my sale-leaseback options →Have Several Equipment Loans?
EquipCash can also explore refinancing or restructuring options for businesses managing multiple equipment financing obligations, including obligations with different financing providers. Contact us to discuss your situation.
Ready to Unlock Your Equipment's Working Capital?
An equipment sale leaseback from EquipCash converts your owned assets into immediate cash — financing opportunities up to $100 million, evaluated individually. Visit our equipment financing homepage to learn more about all our programs, or apply now to request an initial review and learn what your equipment may qualify for.
🔒 No obligation · Every transaction reviewed individually · All 50 states
Equipment Sale Leaseback — Common Questions
Everything you need to know about the equipment sale leaseback process. Contact us or schedule a call for a personal consultation.
Equipment Sale Leaseback — About EquipCash
EquipCash is a nationwide equipment sale leaseback and financing company headquartered in Diamond Bar, California. EquipCash is led by an equipment finance professional with more than 25 years of industry experience. We specialize in helping businesses unlock the working capital trapped in their owned equipment — honestly, quickly, and without unnecessary complexity.
We serve businesses across all industries — including medical equipment leasing, construction, manufacturing, transportation, and more. Our equipment sale leaseback programs consider transactions of various sizes, including opportunities up to $100 million, and transaction timing depends on the equipment and documentation.
Ready to unlock your equipment's value? Apply now or contact our team — we respond quickly and speak plainly.
* Funding with approved credit. Timelines subject to credit approval, equipment type, appraisal, and lender conditions. EquipCash is not a direct lender. We connect businesses with equipment financing and leasing solutions through our network of financing sources. Tax information is general — consult a qualified tax advisor. 23535 Palomino Dr. #383, Diamond Bar, CA 91765.