Raise liquidity against qualifying excavators, cranes, loaders, or an entire fleet without parting with the machines your business runs on. LQD arranges private capital secured by heavy equipment through AI-powered, asset-based underwriting, with no credit check and indicative terms often within hours. Your equipment stays in your name and can keep working. Eligibility and terms are not guaranteed.
Equipment-backed financing lets an owner of qualifying machinery raise private capital without selling the assets that generate revenue. LQD arranges capital secured by heavy equipment of many kinds, from a single high-value excavator, dozer, loader, or crane to a mixed, multi-unit fleet. Owners can often keep productive machines earning while they access capital, because the equipment typically stays in service through the term.
Whether a machine qualifies depends on its type, make, model, year, serial number, ownership, hours, condition, maintenance record, attachments, location, and current demand, all confirmed through LQD's valuation and AI-powered underwriting. A recognized brand, a high original price, or a large role on a project does not by itself qualify a unit. It helps to understand what actually drives collateral value before you submit.
Several numbers tend to get conflated, and it is worth keeping them apart. What you paid, current book value, an insured figure, a dealer asking price, an auction estimate, wholesale value, and liquidation value are each different from collateral value. Collateral value is LQD's view of what a machine could realistically bring in today's market, weighed against its hours, condition, upkeep, and demand.
For a working contractor, selling revenue-generating equipment, or tying it up in ways that stop it from operating, is rarely the goal. A structured, asset-based arrangement can meet a funding need while the machine stays in your name and on the job where the terms allow. Because underwriting is asset-based, there is no credit check and no income verification, and indicative terms are often available within hours. An existing lien does not automatically disqualify a unit; where one exists, the balance is folded into the capital structure, subject to underwriting and to the equipment's verified value supporting the amount requested. You can open a confidential submission with whatever records you have on hand.
You can submit with nothing but photos and a description. When any of the following is on hand, it sharpens the valuation and helps our underwriting return indicative terms sooner:
None of this is mandatory to begin. Ownership and any liens are confirmed during review, and where a lien exists its balance is folded into the capital structure, subject to underwriting and to the equipment's verified value supporting the amount requested. Documentation supports the review but does not replace LQD's own verification.
The categories below give a sense of what may qualify. Every unit is judged on ownership, serial identification, year, hours, condition, upkeep, attachments, operating status, location, and demand, then run through LQD's valuation and underwriting. The list is illustrative, not exhaustive.
Crawler and wheeled excavators, from compact units to the largest machines, along with track-type dozers and motor graders, are frequent candidates. Undercarriage wear, hydraulic health, blade or bucket setup, and a documented service record all feed into the read, together with hours and demand.
Wheel loaders, backhoe loaders, and articulated haul trucks are reviewed on hours, tire condition, bucket and attachment setup, and overall wear. Units with clean documentation and consistent maintenance tend to support the strongest terms.
Crawler, tower, and mobile cranes, plus aerial work platforms, are common submissions. Boom and jib configuration and current inspection certifications are weighed as part of the whole picture, alongside condition, hours, and paperwork.
Asphalt pavers, concrete pumps, mixers, placing booms, rollers, and compactors are reviewed with a full attachment inventory and a condition check. Hours, upkeep, and regional demand for the specific category shape the outcome for each machine.
Rotary drill rigs, soil-mixing and foundation machinery, pile-driving hammers, and other specialty units can be reviewed where the secondary market is recognized and ownership is clear. Narrow or thin markets are factored in, and not every specialty machine qualifies.
A mixed fleet can be submitted as one position. Each machine is assessed on its own ownership, serial identification, hours, condition, and records, while the fleet is weighed as a whole. Not every unit in a fleet necessarily qualifies.
The number rests on what a machine could realistically sell for today, not on its badge or its original price. The factors below are weighed together, and no single one decides the result on its own.
An appraisal, an inspection report, or a strong brand name is useful evidence, but none of them alone sets eligibility or value. Each machine stands on its own merits, and eligibility and terms are not guaranteed.
LQD arranges private capital secured by heavy equipment and connects owners with capital sources. LQD is not a manufacturer, dealer, or auction house, and is not affiliated with, endorsed by, or sponsored by any of them. Brand and model names, where they appear, describe the collateral and nothing more.
Ownership and any liens are confirmed as part of the process, LQD runs its own valuation, and an inspection may be arranged where it makes sense. That supporting review does not replace your records or LQD's independent verification, and it does not by itself set eligibility. Final decisions rest on LQD's valuation and underwriting.
Useful items include proof of ownership, serial and identification numbers, current hour readings, a service summary, any inspection reports, a title where the unit carries one, attachment details, and information on existing financing. None of it is required to begin, and a gap does not automatically disqualify a machine.
Selling a machine ends its role in your operation and can bring downtime, remarketing costs, and tax consequences. An asset-based arrangement is built to do the opposite: keep productive equipment working while you draw capital against it, with the unit typically staying in your custody and in service through the term.
For owners smoothing seasonal cash flow, bridging between projects, or funding growth without liquidating a fleet, this route keeps both the asset and its earning power. Which path fits depends on your situation, and eligibility and terms are not guaranteed.
In most arrangements the equipment stays in your name and keeps operating, while the capital source holds a security interest as its collateral position. The specific terms live in the agreement, and repayment releases the lien at maturity, so you keep the upside in the asset.
Because underwriting is asset-based and AI-powered, indicative terms are often ready within hours and funding can follow within 24 to 72 hours of approval. Every submission is confidential and is a request for review, not a commitment, with no obligation to proceed after you see an indicative offer.
Share what you have on the machine or fleet: make, model, year, serial number, current hours, condition, and any service or ownership records. Photos and a description are enough to start.
Ownership and any liens are confirmed, LQD runs its own valuation, and AI-powered underwriting sizes the request, with an inspection arranged where appropriate. There is no credit check and no income verification.
If the equipment supports it, you receive indicative terms, often within hours, with funding within 24 to 72 hours of approval. There is no obligation to proceed, and the machine typically stays in your custody throughout.
Send your machine or fleet in for a confidential review. It is a request for review, not a commitment, and there is no obligation to proceed after you see indicative terms.