At Linkcrest Capital, we’ve helped businesses nationwide structure equipment refinancing solutions since 1987. The goal is simple: turn equipment into capital so you can improve liquidity, stabilize cash flow, and fund expansion with a financing structure built around real-world operations.
What Is Equipment Refinancing?
Equipment refinancing is a financing solution that uses equipment you already own as collateral to secure working capital. Instead of taking on a traditional bank loan with restrictive requirements, refinancing allows a business to access capital based on the value of eligible equipment and the strength of the overall financial picture.
In plain terms: you keep using your equipment, but you unlock capital tied up in it.
Why Texas Businesses Use Equipment Refinancing
In Texas, industries like construction, manufacturing, transportation, oil & gas, waste services, and industrial operations often require high-value equipment to operate and scale. When cash flow is tight or growth opportunities appear, refinancing becomes a practical tool for raising capital while maintaining operational momentum.
- Improve cash flow by restructuring payments into a more manageable structure.
- Unlock working capital for payroll, hiring, marketing, inventory, and expansion.
- Consolidate higher-cost debt into one equipment-backed solution.
- Fund growth without waiting on slow or restrictive bank decisions.
- Increase liquidity to handle seasonality, supply chain delays, or large project costs.
When Equipment Refinancing Makes the Most Sense
Equipment refinancing can be a strong fit when you need capital but do not want to disrupt daily operations or drain cash reserves. It’s often used by companies that are growing quickly, working through a transition period, or simply want a smarter capital structure.
- You need funds for expansion, but your current lender won’t increase credit.
- You’re experiencing rapid growth and need liquidity to keep up with demand.
- Your current debt structure is pressuring cash flow.
- You want to free up capital tied up in owned equipment.
- Your transaction does not fit traditional bank credit guidelines.
What Types of Equipment Can Be Refinanced?
Many types of equipment may qualify depending on value, condition, and use in operations. In Texas, equipment refinancing commonly applies to:
- Construction equipment (excavators, loaders, skid steers, cranes).
- Manufacturing machinery (CNC, presses, processing lines).
- Transportation and fleet assets (trucks, trailers, specialized vehicles).
- Energy and oilfield equipment (service equipment and specialized assets).
- Industrial, fabrication, and specialized industry equipment.
How the Process Works
While every refinancing transaction is unique, the process typically follows a straightforward path. Linkcrest Capital evaluates the full financial picture—not just a credit score—to determine the best available structure.
- Initial conversation: define the working capital goal and equipment collateral.
- Financial review: submit a financial package for underwriting review.
- Collateral evaluation: determine collateral value, often supported by appraisal.
- Structure and approval: match your needs with the right lender program.
- Funding: close and fund, typically based on underwriting timelines and documentation.
Why Choose Linkcrest Capital
Many equipment refinancing transactions don’t fit rigid bank credit boxes. That’s where Linkcrest Capital helps. Since 1987, we’ve arranged financing solutions for companies that need flexible structures, real underwriting, and funding options aligned with business realities.
- Nationwide lender network and long-standing financing relationships.
- Specialization in equipment refinancing and complex lending situations.
- Programs designed to improve cash flow and increase liquidity.
- Solutions structured around your business—not rigid bank formulas.
Talk With a Specialist About Equipment Refinancing in Texas
If you own equipment and want to unlock working capital to support growth, equipment refinancing may be the most direct path to liquidity. Linkcrest Capital can help you review options and determine the right structure for your business.
Contact us today to discuss your equipment refinancing goals, or explore our related services:
FAQ: Equipment Refinancing in Texas
What is equipment refinancing?
Equipment refinancing converts owned equipment into working capital by using the equipment as collateral while you continue operating as normal.
Why do Texas businesses refinance equipment?
Many refinance to improve cash flow, fund expansion, consolidate debt, or access liquidity without taking on restrictive bank terms.
What types of equipment can be refinanced?
Many types of new or used equipment may qualify, including construction, manufacturing, transportation, energy services, and specialized industry equipment.
How fast can equipment refinancing close?
Timing depends on documentation and collateral, but many transactions can be completed within typical underwriting and appraisal timelines.
Does equipment refinancing require a bank relationship?
Not always. Many programs do not require a depository relationship or bank-style covenants, depending on the lender and structure.
