Equipment equity, put back to work.
A sale-leaseback sells eligible commercial equipment to a financing provider and leases it back to the business. The resulting working capital, payment, term, and end-of-term option depend on the appraisal and proposed structure; the equipment remains in use while the facility is active.
File / equity
Asset list, ownership, liens, and condition
Model / structure
Appraisal, payout, proceeds, payment, and buyout
Control / consent
Your credit is only checked when you send your application to the lender you choose.
How it works
How does a sale-leaseback work?
Three linked steps: establish value, document the sale, then operate under the leaseback.
01
Appraisal
We value the equipment
Send photos, registration or title, and service records. The required appraisal method and timing depend on the equipment and proposed facility.
02
Funding
The lender buys the asset
Sign the required sale and facility documents. Net proceeds reflect appraised value, existing liens, fees, and the agreed structure.
03
Leaseback
Operate under the leaseback
The business keeps using the equipment under the agreed payment schedule and end-of-term option defined in the contract.
When it fits
When does a sale-leaseback make sense?
It is a working-capital structure to compare carefully. Five situations where modelling the proceeds and total cost can be useful.
- 01
You own equipment outright (or hold substantial equity) and need working capital fast
- 02
You can't take on more bank debt, but asset value is sitting idle on your balance sheet
- 03
You want to compare consolidating other obligations against one equipment-backed lease payment
- 04
You need cash to fund expansion, hire ahead of a contract, or bridge a slow quarter
- 05
Bank lending is closed to you, but your equipment is high-value and well-maintained
FAQ
Sale-leaseback, answered.
What kinds of equipment qualify for a sale-leaseback?
Heavy trucks, trailers, construction equipment, manufacturing machinery, medical and dental equipment, restaurant kitchens, oilfield service equipment, and agricultural machinery. Anything with a clear secondary market and a verifiable serial number or VIN.
How much working capital can I unlock?
Available proceeds depend on appraised fair-market value, existing liens, condition, marketability, and the proposed leaseback structure. Nex models the net proceeds alongside the payment, term, and end option.
What if the equipment still has a loan on it?
A sale-leaseback may still be considered when eligible equity remains. The existing lien, payout amount, appraisal, fees, and proposed structure determine whether net working-capital proceeds are available.
How long does a sale-leaseback take?
Timing depends on the equipment list, title and lien records, appraisal requirements, documentation, and proposed facility. Nex explains the appraisal, payout, sale, and lease steps after reviewing the initial asset brief.
Does a sale-leaseback affect my insurance?
The proposed facility can require the financing provider to be listed as loss payee or additional insured. Confirm coverage, premium, and certificate requirements with the insurer before closing.
Convert equipment into working capital.
Start with a list of owned equipment. Nex then confirms the appraisal, lien, documentation, and proposed leaseback steps.
Apply for sale-leaseback