Cash Out Equipment Refinance

     ​Unlock the equity tied up in your equipment with United Capital America LLC’s cash-out refinance program. Turn the value of your owned assets into immediate working capital without selling or disrupting operations. Our tailored cash-out program offers flexible terms and fast funding, so you can reinvest in your business, seize new opportunities, or strengthen liquidity—backed by experienced guidance every step of the way.
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​Program Highlights

Equipment Types: 
We finance a wide spectrum of revenue-generating commercial equipment — both new and used — across industries like construction, transportation, healthcare, technology, and more. Eligible assets include, but are not limited to:
  - Trucks, trailers, vans, buses, and fleet vehicles
  - Excavators, bulldozers, forklifts, and other heavy machinery
  - CNC machines, robotics, and manufacturing systems
  - X-ray units, dental chairs, and medical diagnostics
  - POS systems, servers, office tech, and infrastructure
  - Restaurant, agricultural, and retail-use equipment
Assets on your books? Let’s turn them into liquidity without slowing down operations.

Loan Amounts: 
​$20,000 to $10,000,000

Leverage:
  - Up to 70% Loan-to-Value (LTV) overall
    (equipment on wheels 60% LTV)

Terms:
  - Flexible terms up to 5 years
  - Monthly payments
  - No prepayment penalties

Rates:
Competitive rates starting at 9%

Versatility:
This program is designed for business owners looking to unlock trapped equity in owned equipment — without disrupting day-to-day operations.
Turn the value of your existing assets into immediate working capital to reinvest, expand, or stabilize your business — all while continuing to use the equipment as usual.

Optimizing Your Equipment Financing Strategy

Purchasing New Equipment

Refinance Existing Equipment Loans

Stipulations 

  - Completed initial Business Registration Form for all principals / entity members
  - Asset List (use this template: LINK)
  - Proof of reserves, such as owner’s investment statements (bank, brokerage, 401k, etc.)
  - Active business licenses (if applicable)
  - Articles of Incorporation (or entity formation documents)
  - Signed Operating Agreement for all members of the entity (if applicable)
  - Borrower’s attorney contact information (if applicable)

Ready to move forward?

Complete our Business Registration Form and select Equipment Financing

APPLY NOW