Cash out the iron you already own.

Paid-off machines carry working capital. A cash-out refinance turns equity in excavators, loaders, and trucks into cash — without selling a single unit.

See how it works →

excavator and haulers on a jobsite eligible for financing offers on heavy equipment loans, leases and low rates.

Financing Special

Section 179 stacks with a refi.

Refinance this quarter and the write-off math changes what your fleet really costs. See how owners are pairing cash-out proceeds with year-end deductions.

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Get more out of your equity

The desk behind the numbers

One underwriting desk reads every file — machine values, hours, and the work your iron is booked for.

All contracts →

Application-only to $500,000

Most refis close on the application alone — no tax returns, no financial statements, numbers the same business day.

Genuine →

Challenged credit gets structure

B and C credit files get collateral-first underwriting, not a form rejection. The machine carries the file.

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Latest from the refinance desk

, ’s Head of Region North America appointed chair of - 2029

From the desk

Advance rates are holding strong on late-model iron

Late-model excavators and loaders are appraising strong — advance rates against clean iron are holding at the top of the band.

() has named Colorado-based its 2025 Dealer of the Year.

From the desk

Sale-leaseback demand keeps climbing with rates

When rates move, owners pull capital without touching their term debt. The leaseback file count keeps climbing.

From the desk

Working capital from paid-off fleets, same week

Paid-off fleets are the fastest files on the desk — appraisal to wire in the same week is now the norm.

From the desk

Consolidation files are getting bigger

Three-note pileups from the 2023–2024 buying run are rolling into single payments — the machine list does the talking.

From the desk

Auction comps keep beating book on tracked machines

Track loaders and excavators with clean hours keep pricing above schedule — owners are pulling the gap out as cash.

All financing options →

Cash out the iron you already own.

Equity lives in every machine class.

Section 179 stacks with a refi.

From the desk

What a cash-out refi actually costs

Sale-leaseback vs. cash-out

Payments too high? Restructure.

Get more out of your equity

The desk behind the numbers

Application-only to $500,000

Challenged credit gets structure