Excavators, cranes, wheel loaders, bulldozers, and heavy machinery from recognized manufacturers accepted as collateral. Hour meter verification, UCC lien searches, clear title required. 24-hour term sheets.
Construction companies, contractors, and equipment owners frequently hold significant capital in their machinery fleets, excavators, crawler cranes, loaders, and specialized equipment representing hundreds of thousands to millions of dollars in asset value. Yet that capital is typically inaccessible without selling equipment that is generating revenue, encumbering it through equipment finance arrangements that restrict use, or navigating the slow timelines of traditional commercial lending.
The Liquidity Network provides an alternative. Private capital arrangements secured by construction equipment allow contractors and equipment owners to access liquidity against the verified value of their machinery, without the delays, income documentation requirements, and personal financial scrutiny of traditional lending. We evaluate the equipment, verify its value, confirm clean title, and structure capital arrangements that reflect the asset's worth.
Our underwriting approach for construction equipment is methodical and specific to the asset class. We know that a low-hours Caterpillar 395 excavator has meaningfully different value than a comparable unit with twice the hours. We know that a Liebherr LTM crawler crane with documented maintenance history, current certifications, and a full rigging package is different from one missing its documentation. We apply this knowledge, not generic formulas, to determine the capital available against your equipment.
The Liquidity Network reviews construction and heavy equipment across the full spectrum of the industry:
Article 9 of the Uniform Commercial Code governs secured transactions in personal property throughout the United States. When a lender or financing company has a security interest in equipment, they perfect that interest by filing a UCC-1 financing statement with the appropriate state filing office. These public filings are searchable, and a thorough UCC search reveals whether any prior secured party has a claim on the equipment you wish to pledge as collateral.
Clear title, meaning no outstanding financing statements, no undisclosed liens, and no disputed ownership claims, is a prerequisite for TLN's collateral position. We conduct comprehensive UCC searches in all applicable jurisdictions as part of our due diligence process. Equipment subject to existing financing statements cannot serve as collateral unless those existing obligations are satisfied at or before closing.
We also conduct thorough review of any applicable state titling requirements for equipment that may carry certificates of title, review insurance documentation to confirm adequate coverage, and verify manufacturer serial number identification plates against equipment documentation.
In the construction equipment market, hour meter readings are the primary measure of usage, the equipment equivalent of odometer mileage. Lower hours relative to a machine's age generally indicate less wear and stronger residual value. However, hours alone do not tell the complete story. A well-maintained machine with 10,000 hours may be in better condition than a neglected machine with 4,000 hours. We look at the full picture:
For equipment where manufacturer certification or dealer service records are relevant, particularly cranes requiring load charts, inspection certifications, and capacity documentation, we engage specialists familiar with those manufacturers' technical requirements. Crane manufacturers including Manitowoc, Liebherr, and Link-Belt issue load charts, rigging diagrams, and configuration-specific capacity data that are integral to the crane's operational value and therefore to our collateral assessment.
Authorized dealer service records (as opposed to third-party service records) carry additional weight in our documentation review, as they provide an independent, branded chain of custody for the machine's service history. For newer equipment still under manufacturer warranty, warranty documentation and transferability information are also relevant inputs.
Provide make, model, year, serial number, current hours, condition description, maintenance record summary, and ownership documentation. We assess and respond within hours.
We conduct UCC lien searches, engage an independent inspector, and review maintenance records. Non-binding term sheet issued within 24 hours of complete documentation review.
Legal documentation establishing TLN's security interest is executed. Capital disbursed. Equipment remains in your custody unless otherwise agreed. At maturity, repay to release the lien.
We understand hour meters, undercarriage wear, hydraulic system condition, and the difference between a well-documented machine and one with gaps in its service history. Our review reflects this knowledge.
Comprehensive UCC lien searches in all applicable jurisdictions. We verify clean title before structuring any capital arrangement, protecting both parties from undisclosed prior claims.
We reference current Ritchie Bros., IronPlanet, and Purple Wave auction results for comparable units, plus dealer listings and appraisal data, to establish defensible, current market valuations.
Our underwriting is asset-based, not borrower-based. No tax returns, no P&L statements, no balance sheets. We evaluate the equipment, not your business's credit history.
Submit equipment details today and receive a preliminary term sheet within 24 hours of complete documentation. No credit checks. No income verification. No balance sheets.