Access liquidity against qualifying excavators, cranes, loaders, machinery, or an equipment fleet without selling business-critical assets. The Liquidity Network arranges private capital secured by qualifying heavy equipment, reviewed on ownership, serial identification, condition, hours, maintenance, market demand, TLN's valuation, and underwriting. Eligibility and terms are not guaranteed.
Construction equipment collateral financing lets an owner of qualifying machinery access private capital without selling business-critical assets. The Liquidity Network arranges private capital secured by qualifying heavy equipment, excavators, dozers, wheel loaders, cranes, and specialty machinery, along with multi-unit fleets. A single significant machine or a broader qualifying fleet may be reviewed, and owners may be able to retain productive assets while accessing capital.
Whether equipment may qualify depends on type, make, model, year, serial number, ownership, title where applicable, hours, condition, maintenance history, attachments, usage, location, market demand, TLN's valuation, and underwriting. Not every machine, fleet, attachment, project asset, or non-operational unit automatically qualifies. Understanding how valuable property may support private capital helps before preparing a submission.
It also helps to keep several figures separate. An asset's original purchase price, its current book value, an insured value, a dealer asking price, an auction estimate, its wholesale value, and its liquidation value are not necessarily the same as its collateral value. Collateral value reflects TLN's valuation of what equipment may realistically support in the current market, weighed against condition, hours, maintenance, and demand.
For a working business, selling revenue-generating equipment, or encumbering it in ways that restrict use, is often not the goal, so structured private capital can address a need while the equipment stays in service where the arrangement permits. The review reflects how the equipment market actually works, hours weighed against maintenance and condition, comparable transactions, and verified ownership and any existing liens, rather than a manufacturer name alone, and you can see how equipment moves through ownership review and valuation. An existing lien does not automatically disqualify equipment: where a lien exists, the outstanding balance is factored into the capital structure, subject to underwriting and to the requested capital and the equipment's verified value supporting it. You can begin a confidential equipment submission with whatever records you have.
None of the following is required to submit. When these items happen to be available, they strengthen the valuation basis and can support a faster review and stronger preliminary terms:
None of these is required to begin. Ownership and any existing liens are reviewed as part of the process, and where an existing lien exists, the outstanding balance is factored into the capital structure, subject to underwriting and to the requested capital and the equipment's verified value supporting it. Documentation supports a review but does not replace independent verification.
Select equipment across several categories may be reviewed. In every case, ownership, lien review, TLN's valuation, and underwriting apply, and eligibility and terms are not guaranteed.
Crawler and wheeled excavators, from compact machines to large units, may be reviewed on make, model, year, hours, undercarriage and hydraulic condition, attachments, and maintenance records. Hours are weighed against condition and service history rather than on their own.
Dozers and track-type tractors may be reviewed on hours, undercarriage status, blade and ripper configuration, condition, and maintenance history. Documented service and clear ownership matter as much as the model.
Wheel loaders, backhoe loaders, and articulated haulers may be reviewed on hours, tire condition, bucket and attachment configuration, and overall condition, alongside ownership and current market demand.
Crawler, tower, and mobile cranes and aerial work platforms may be reviewed, with attention to configuration, current certifications, condition, and documentation. Certifications and configuration are part of the review rather than a guarantee of value.
Motor graders, rollers and compactors, pavers, and related equipment may be reviewed on hours, condition, attachments, and maintenance history, with market demand assessed for the specific category and region.
Skid steers, telehandlers, and compact machines may be reviewed on hours, condition, attachments, and documentation. Attachments add value only where they are identifiable, owned, and marketable with the machine.
Mining, quarry, drilling, and specialty machinery may be reviewed where there is recognized market support, clear ownership, and documented condition. Narrow or thin markets are weighed in the review, and not every specialty unit qualifies.
A mixed fleet may be reviewed as a combined position, with each machine assessed individually for ownership, serial identification, hours, condition, and demand while the fleet is weighed as a whole. Not every unit in a fleet necessarily qualifies.
Select equipment may be reviewed based on ownership, serial identification, year, hours, condition, maintenance history, attachments, operating status, location, market demand, TLN's valuation, and underwriting. Not exhaustive, and all equipment is reviewed individually.
Crawler and wheeled excavators, from compact machines to large units, alongside track-type dozers and motor graders from recognized manufacturers, may be reviewed. Hours, undercarriage status, blade or bucket configuration, and maintenance records are weighed together with condition and demand.
Wheel loaders, backhoes, and articulated haul trucks from recognized manufacturers may be reviewed on hours, tire condition, bucket and attachment configuration, and overall condition. Well-documented, well-maintained units are the strongest candidates.
Crawler, tower, and mobile cranes and aerial work platforms from recognized manufacturers may be reviewed. Configuration, boom and jib details, and current certifications are considered as part of the complete package, alongside condition and documentation.
Pavers, concrete pumps, mixers, and placing booms, along with rollers and compaction equipment, may be reviewed with a full attachment inventory and condition review. Hours, maintenance, and market demand are weighed for each unit.
Rotary drilling rigs, soil-mixing and foundation drilling machinery, pile-driving hammers, and other specialty equipment may be reviewed where there is recognized market support and clear ownership, with a full attachment inventory and condition review.
Mixed fleets and multi-unit portfolios may be reviewed together, with each machine assessed on ownership, serial identification, hours, condition, and documentation while the fleet is weighed as a combined position. Not every unit in a fleet necessarily qualifies.
Equipment-backed capital is grounded in what a machine could realistically sell for, not a manufacturer name or an original purchase price. Several factors are weighed together, and no single one determines the outcome.
An appraisal, inspection report, or recognized manufacturer name is useful supporting evidence, but none of them alone determines eligibility or value. Each machine is reviewed on its own merits, and eligibility and terms are not guaranteed.
The Liquidity Network arranges private capital secured by heavy equipment and connects equipment owners with lending sources. TLN is not a manufacturer, dealer, or auction house, and is not affiliated with, endorsed by, or sponsored by any equipment manufacturer, dealer network, or auction platform. Manufacturer and model names, where used, describe the collateral only.
Ownership and any existing liens are reviewed as part of the process, TLN conducts its own valuation, and an inspection may be arranged where appropriate. This supporting review does not replace your own records or independent verification, and it does not by itself determine eligibility. Final decisions rest on TLN's valuation and underwriting.
Helpful items include proof of ownership, serial and identification numbers, current hour readings, a maintenance and service summary, any inspection reports, titles where the equipment carries them, details of attachments, and information on any existing financing. You are not required to submit all of this to begin, and gaps do not automatically disqualify a machine.
Selling equipment ends its use in your operation and can trigger downtime, remarketing costs, and tax consequences. Borrowing against equipment is built to keep productive machines working while accessing capital, with the equipment typically remaining in your custody and able to stay in service during the term.
For owners managing seasonal cash flow, bridging between projects, or funding growth without liquidating a fleet, an equipment-backed arrangement can be a way to retain the asset and its earning power. Whether borrowing or selling makes more sense depends on your circumstances, and eligibility and terms are not guaranteed.
In most equipment-backed arrangements the machine remains in your possession and can continue to operate, while the lending source holds a security interest as its collateral position. The specific terms are set out in the agreement, and repayment releases the lien at maturity.
Submissions are handled confidentially, and a submission is a request for review rather than a commitment. There is no obligation to proceed after receiving a preliminary capital offer.
Share what you have on the machine or fleet, such as make, model, year, serial number, current hours, condition, and any maintenance or ownership records. You are not required to submit everything to begin.
Ownership and any liens are reviewed, TLN conducts its own valuation, and an inspection may be arranged where appropriate. Each machine is assessed on its own merits, and eligibility and terms are not guaranteed.
If the equipment supports it, you receive a preliminary, non-binding capital offer to review. There is no obligation to proceed, and the equipment typically remains in your custody through the arrangement.
Submit your machine or fleet for a confidential review. A submission is a request for review, not a commitment, and there is no obligation to proceed.