Equipment Refinance

     Unlock savings and strengthen your balance sheet with United Capital America LLC’s equipment refinance program. Whether you’re aiming to lower monthly payments, reduce interest costs, or restructure existing equipment debt, our tailored program provides flexible terms designed to align with your operational and financial goals. We specialize in helping businesses optimize current obligations—delivering streamlined approvals, competitive rates, and expert guidance to keep your company moving forward.
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​Program Highlights

Equipment Types: 
We refinance a wide spectrum of commercial equipment— 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
"Your equipment is more than a tool — it’s leverage. We structure refinancing around that value"

Loan Amounts: 
​$100,000 to $10,000,000

Leverage:
  - Up to 90% Loan-to-Value (LTV) overall
    (equipment on wheels 60% LTV)

Terms:
  - Flexible terms up to 10 years
  - Monthly payments
  - No prepayment penalties

Rates:
Competitive rates starting at 9%

Versatility:
Our refinance program is ideal for business owners looking to consolidate existing equipment loans into a single, lower-cost facility — improving cash flow, simplifying payments, or unlocking trapped equity for expansion.

Optimizing Your Equipment Financing Strategy

Purchasing New Equipment

Cash-Out Refinance on Owned Equipment

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