Guides
Borrowing against excavators, loaders and dozers you already own - what they are worth to a lender, how the lien works, and the alternatives
Most construction equipment has no title, so borrowing against it works differently from a truck title loan: the lender files a UCC-1 and lends against what the machine would bring at auction. Start with heavy equipment equity loans, or see how equipment is appraised.
An MCA is fast and needs no collateral; an equipment equity loan is secured by iron you own and is usually cheaper. How the cost, payments and risks compare.
Read moreAn equity loan keeps the machine in your name; a sale-leaseback sells it and leases it back. How the cash, cost, tax and ownership compare.
Read moreYou can borrow against equipment you are still paying for if there is real equity. How cash-out refinances work, and why blanket UCC liens block deals.
Read moreA secured equipment lender can repossess without a court order and sell the machine, but must act commercially reasonably. What happens, and how to stop it early.
Read moreLenders value excavators, dozers and loaders at liquidation value, then advance a share of it. Hours, undercarriage, brand and emissions tier move the number.
Read moreSend the make, model, year, hours and what is still owed. We will tell you plainly what the equity supports.