Hidden Source of Capital with Sale-Lease-Back Solutions
Hidden Source of Capital with Sale-Lease-Back Solutions
Unlock cash tied up in trucks, trailers, and equipment—without losing operational control. Sell the asset to Liberty Capital and lease it back with terms aligned to your cash flow.
What Is a Sale-Lease-Back?
Sell your equipment (free & clear) to a financing partner and lease it back over an agreed term. You get immediate working capital while continuing to use mission-critical assets.
- Immediate cash infusion based on auction value
- Keep using your equipment to generate revenue
- Predictable monthly payments; lease-to-own or FMV options
Why Consider It?
- Access Capital Fast: Convert fixed assets into liquidity
- Flexible Terms: Tailored to seasonality and cash cycles
- Credit-Agnostic: Options for good, challenged, and rebuilding credit
- Asset-Rich, Cash-Poor: Monetize equipment you already own
Apply Before You Need It
Cautionary Tale: A profitable fleet operator waited until revenue dipped negative. Banks declined due to declining sales. By engaging earlier, they would have qualified for better terms when cash flow was stronger.
Pro tip: Secure capacity ahead of time to cushion slow periods and avoid daily-payment products that strain cash flow.
How Liberty Capital Helps
- Asset Evaluation: We value free & clear assets (trucks, trailers, heavy/medical/printing/manufacturing equipment)
- Realistic Funding: We underwrite to auction value—not inflated retail
- Custom Structures: Terms aligned to your margins and seasonality
- Fast Process: Streamlined docs → quick decisions
- Expert Guidance: 20+ years structuring sale-lease-backs
Real-Life Scenario
Client: Transportation company with multiple trucks/trailers and declining sales.
Challenge: Traditional lenders rejected due to negative trends and daily-payment strain.
Solution: We funded a sale-lease-back against auction values, delivering immediate working capital and monthly payments—stabilizing cash flow while sales recovered.
Inside Info Most Owners Don’t Know
Many owners haven’t heard of sale-lease-back. If your equipment is unencumbered, you can often access capital based on collateral value.
| Structure | Typical Collateral Ratio | Use Case | Notes |
|---|---|---|---|
| Classic Sale-Lease-Back | ~3:1 (collateral:value to loan) • sometimes 2:1 | Working capital using owned equipment | Underwritten to auction value; term sized to cash flow |
| Recent Purchase Reimbursement | Not ratio-based | Purchased last 30–60 days; want to be reimbursed | We purchase and lease back to you; lease-to-own available |
Sale-Lease-Back vs. Other Financing
| Product | Amount | Term | Cost/Rate | Best For | Learn More |
|---|---|---|---|---|---|
| Sale-Lease-Back | Collateral-driven | Matches asset life | Competitive; asset-secured | Asset-rich, cash-poor; declining revenue | Equipment Leasing |
| Short-Term Business Loan | $2,500–$250,000 | Up to ~18 months | Starts ~10% | Speed; tactical needs | Unsecured Loans |
| Long-Term Business Loan | Up to $5,000,000+ | 2–15 years | Lower; bankable clients | Expansion; large CapEx | Secured Loans |
| Revenue-Based Working Capital | Needs-based | 2–36 months | Factor-based | Variable sales; speed | Revenue-Based |
We’ll recommend the lowest total cost structure that fits your time frame and risk profile.
Requirements (Sale-Lease-Back)
- Approved industry & eligible equipment
- Revenue: Demonstrated gross monthly revenue (exceptions for startups vary)
- Time in business: Typically 2+ years (program-dependent)
- Credit: Considered but not always decisive
- Documentation: Financials/tax returns, bank statements, personal financial statement for larger tickets/SBA
Funding Rates & Features
- Funding in ~2–4 weeks (deal-dependent)
- Flexible amortization aligned to cash flow and coverage ratios
- No prepayment penalties on many options
- Early payoff discounts on certain term loans (saves unaccrued interest)
How to Apply
We keep it simple—one application unlocks multiple programs.
What We’ll Need
- Online application
- Last year’s tax return(s)
- Current financial statements
- Recent bank statements
- List of assets (free & clear)
- Debt schedule
For vendors/dealers: download the vendor package.
Assets We Commonly Finance
Transportation & Heavy Construction Medical & Imaging Manufacturing Printing Restaurant & Kitchen
Examples: medical equipment (CT, MRI, ultrasound, lasers), printing presses, CNC/manufacturing equipment, box/reefer/bucket/boom trucks, trailers, earth-moving equipment, POS & kitchen equipment.
Explore More Options
Revenue-Based Working Capital • Unsecured Business Loans • Secured Business Loans • MCA Consolidation vs Reverse MCA • Equipment Leasing
Talk to a Specialist
Questions? We’ll help you decide whether sale-lease-back, leasing, or a term loan is the smart move for your cash flow.
Call 619-795-3123 · Mon–Fri: 6:00am–6:00pm (EST)
Sale Lease Back vs. Business Term Loans
Short-Term Business Loans:
- Amount: $2,500 to $250,000
- Term: Typically, up to 18 months
- Interest Rate: Starts at around 10%
- Features: Quick funding (as little as 24 hours), flexible repayment options (daily, weekly, or monthly), and minimal paperwork.
What are the Requirements for Sale Lease-Back?
- Approved Industry and equipment
- Revenue: Demonstrated gross monthly revenue if not pre-revenue startup.
- Time in Business: Typically, at least 2+ years, but varies by loan type, industry.
- Credit Score: Personal credit score is considered, though high scores are not always required.
- Documentation: Financial statements, tax returns, bank statements, and a personal financial statement may be require for bigger ticket items or for SBA Express loan or bank loans.
How To Apply!
Liberty Capital is committed to helping small business owners acquire the heavy equipment they need to thrive. So, we make it simple for you to apply using our Simple Application
Join the thousands of businesses that have trusted Liberty Capital Group with their financing needs. Let us help you achieve your business goals and take your business to new heights.
