Equipment Sale & Leaseback
Turn the value in business-owned equipment into working capital—without taking it out of service.
If your company owns eligible equipment, a sale and leaseback may allow you to access capital tied up in those assets while continuing to use them in your business.
Have questions about your equipment? Call us at (877) 703-3090.
Your Equipment
Assets
Programs
Profiles Considered
Put Equipment Equity Back to Work
Equipment can be one of the most valuable assets on a company’s balance sheet. A sale and leaseback can convert some of that value into working capital while the equipment keeps working for the business.
Unlock Working Capital
Use the value held in eligible equipment to support business needs.
- Materials and inventory
- Project mobilization
- Expansion opportunities
- Strategic acquisitions
Preserve Other Credit
Put an owned asset to productive financial use while preserving other resources.
- Keep bank lines available
- Preserve operating cash
- Support growth initiatives
- Improve financial flexibility
Continue Operating
The equipment normally stays in service throughout the transaction.
- No operational sale process
- No equipment replacement
- Clear payment structure
- Practical path to ownership again
More Than One Way to Structure a Leaseback
Some transactions are supported by strong credit and financials. Others rely more heavily on equipment value. Many are supported by a combination of collateral, cash flow, credit and the purpose of the request.
The Equipment Is the Foundation
Every sale and leaseback begins with business-owned equipment and the value it can support.
- Identifiable equipment
- Documented ownership
- Meaningful asset value
- Condition and useful life
- Wholesale and resale market
- One asset or an equipment package
Other Factors Help Shape the Structure
Credit and financial strength may support larger requests, specialized assets and greater flexibility. Many credit levels can still be considered.
Business performance helps demonstrate the ability to comfortably support the proposed payment.
The business request—including the amount, purpose and overall story—helps determine the most appropriate structure.
Every transaction tells a different story. We consider the equipment, the business, the funding request and the combined strengths of the complete opportunity.
Equipment That Can Support a Leaseback
From readily marketable heavy equipment to specialized machinery and substantial equipment packages, Coastal considers the complete transaction rather than relying on one narrow equipment list.
Construction &
Heavy Equipment
Commercial Trucks,
Vehicles & Trailers
Manufacturing &
Industrial Machinery
Material Handling &
Warehouse Equipment
CNC, Machine Tools &
Specialized Assets
A Wide Variety of
Equipment Packages
Meaningful equipment value matters. Multiple eligible assets may be considered together, and valuable specialized equipment can be supported by the overall financial strength of the business.
Steps to Fund Your Leaseback
Submit Application & Asset List
Complete our application and provide available details about the equipment.
We Structure the Leaseback
We review the equipment, business and complete request to structure the proposed transaction.
Term Sheet Presented
We present the proposed funding, payment structure and purchase option.
Confirm Ownership
We review ownership documents and any existing liens.
Funding Issued
Final documents are completed, funding is issued and the equipment continues working for you.
Equipment Sale & Leaseback Questions
Straight answers about using business-owned equipment to access capital.
What is an equipment sale and leaseback?
A business sells eligible equipment it owns and leases that same equipment back. The company receives capital and continues using the equipment under the lease terms.
Will the equipment leave my business?
Normally, no. The sale and leaseback are completed as one transaction so the equipment can remain in service, subject to the final agreement.
Can my business own the equipment again?
Most structures provide a practical path for the business to exercise a purchase option and own the equipment free and clear again. Exact purchase-option mechanics vary by program.
Does the equipment have to be paid off?
Free-and-clear equipment is generally the strongest fit. A small existing balance may sometimes be addressed as part of the transaction.
How much capital can the equipment support?
The amount depends on current value, condition, age, ownership, existing liens, resale demand and the overall business profile. Original purchase price alone does not determine available funding.
Can challenged credit be considered?
Possibly. Equipment value may carry substantial weight, while cash flow, ownership and the complete transaction are also reviewed.
What proof of ownership is required?
Titled equipment generally requires a title. Non-titled equipment may require an original invoice, proof that a previous obligation was paid or other acceptable ownership documentation.
How quickly can a transaction close?
Timing depends on the equipment list, ownership documents, valuation requirements, underwriting and final documentation. Accurate information at the beginning helps avoid delays.
Ready to Put Your Equipment Equity to Work?
Apply online. Have questions about your equipment? Call (877) 703-3090.