EQUIPMENT EQUITY LOAN
UNLOCK CAPITAL FROM EQUIPMENT YOU ALREADY OWN
Capital Brothers helps owner-operators access working capital by using the equity in owned machinery, trucks, and equipment. Pull equity from a single piece or bundle up to 15 pieces. No selling equipment. No stopping operations.
EQUIPMENT-BACKED CAPITAL FOR OWNER-OPERATORS
The Equipment Equity Loan (EEL) is designed for owner-operators with owned equipment, machinery, or trucks who want to unlock equity for working capital, payroll, repairs, fuel, receivables, or growth needs. Pull equity from a single piece or bundle up to 15 pieces. This is not about purchasing equipment. It is about using what you already own as the collateral base.
PRODUCT
EQUIPMENT EQUITY LOAN
TWO PATHS TO EQUIPMENT EQUITY
Fast & Easy
Equipment Equity Loan (EEL)
FUNDING AMOUNT
$100K - $500K
BEST FOR
Owner-operators who need fast access to capital using equipment they already own.
FINANCIALS
No financials needed
COLLATERAL
Single piece or bundle up to 15 pieces of owned equipment, trucks, or machinery
USE CASE
Working capital, payroll, fuel, repairs, receivables, or short-term cash needs
Large Ticket
Equipment Equity Loan (EEL)
FUNDING AMOUNT
$500K - $2M
BEST FOR
Owner-operators with larger equipment pools or fleets who need more working capital.
FINANCIALS
Lite financials needed
COLLATERAL
Multiple pieces of equipment, trucks, or machinery bundled together (up to 15 pieces)
USE CASE
Working capital, expansion, debt restructuring, fleet growth, repairs, or taking on larger jobs
EQUIPMENT EQUITY LOAN STRUCTURE & TERMS
FUNDING AMOUNT
$100K to $2M
LOAN TO VALUE
70% to 80% of Wholesale Value
TERM
Up to 48 months
RATE
Prime + 5-10%
Floating rate
FINANCIALS
No financials for $100K - $500K. Lite financials for $500K - $2M
COLLATERAL
Single piece or bundle up to 15 pieces of owned equipment, machinery, trucks, or titled assets
REVENUE REQUIREMENT
No minimum annual revenue requirement
SECURITY
First lien UCC-1, titles, proof of ownership, and guarantee may be required
APPRAISAL
Equipment value review or appraisal will be required
BEST FIT COMPANIES
The EEL is built for owner-operators with:
BUILT FOR OWNER-OPERATORS
Construction & Site Work
Manufacturing & Industrial
Waste, Trash & Environmental
Septic, Sewer & Wastewater
Aggregate, Mining & Quarry
Agriculture & Land Services
Recycling
EQUIPMENT THAT CAN BE USED
USE EQUIPMENT EQUITY FOR
HOW THE EEL WORKS
Equipment Review
We review the equipment you already own, including type, year, make, model, estimated value, title status, and payoff balances.
Equity Analysis
We estimate available equity based on wholesale equipment value and current lien position.
Facility Structure
We identify whether the file fits the Fast & Easy EEL or the Large Ticket EEL.
Term Review
If the file qualifies, we review advance amount, structure, rate, term, collateral requirements, and closing timeline.
Funding
Once approved and closed, capital is released while your company keeps operating the equipment.
HAVE $100K+ IN EQUIPMENT EQUITY?
The Equipment Equity Loan may help you unlock working capital from machinery, trucks, and equipment you already own.
Request your equipment equity review today.
For owner-operators seeking $100K to $2M in equipment-backed capital.