Equipment Revolver Working Capital Loan Alternative
Access the equity you’ve built through your equipment investments with a working capital loan alternative, a line of credit backed by your assets.
Is A Revolver loan Right for Your Business?
A revolving credit facility – the official name of a revolving line of credit – is a working capital loan backed by your owned assets. Typical collateral for a revolver finance solution can include standard equipment and commercial real estate related to and owned by your business. For many companies, structuring this as a revolving equipment line of credit provides a focused way to unlock capital tied up in essential assets while maintaining day-to-day flexibility.
How does an equipment line of credit work?
With an equipment revolver, a lender establishes a credit limit based on the value and quality of your equipment and other eligible assets. You can draw funds up to that limit, repay them as cash comes in, and then draw again as new needs arise. Interest is charged only on the amount you have outstanding, not on your full credit limit, and the line can typically be used multiple times over the term of the facility. This structure allows you to align borrowing with actual working capital requirements and project timelines.
Benefits of an equipment revolver include:
Cash accessibility
Get cash to cover operating expenses by tapping into your revolver credit without waiting for a new working capital loan approval each time you need funds. Only use what you need, when you need it. With a revolving equipment line of credit, you can draw, repay, and redraw funds as your cash-flow needs change, keeping your operations moving without interruption and helping you bridge seasonal, cyclical, or project-based revenue cycles.
Streamlined financing
Manage debts, interest, and debt payment structure with a single financial tool. You’ll only pay interest on the amount you borrow against your revolver, not the entire limit. This structure makes a revolving equipment line of credit an efficient alternative to multiple term loans, simplifying your capital stack while preserving liquidity. Instead of juggling several equipment loans or short-term facilities, you can use one revolving facility to support multiple purchases, maintenance needs, and short-term cash requirements.
Flexible repayment structure
Revolver credit facilities put you in charge of your repayment schedule. You can even do a cash sweep to apply revenue to your outstanding balance and pay down debts faster. Because a revolving equipment line of credit is secured by your equipment and related assets, it often allows for more flexible repayment terms than traditional unsecured working capital products, including interest-only periods or seasonal payment structures tailored to your operating cycle and contract timing.
A revolver puts you in control by unlocking equity in your equipment and real estate assets.
How we serve our customers
If you’re still on the fence about equipment financing, see how our solution has helped real Equify customers. When an energy company that had hit cash-flow limits was denied by a traditional bank, Equify created a tailored financing package, combining working-capital and custom equipment funding, that enabled the company to win new contracts and acquire a competitor.
For Companies That Need More Than a Working Capital Loan
An equipment revolver from Equify benefits customers across many asset-intensive sectors, including construction, transportation, energy, and more. With fast approvals, many customers can access operating or reinvestment cash the same day they apply. This makes a revolver a powerful complement to a traditional working capital loan, especially for businesses seeking a revolving equipment line of credit that can scale as their fleet, asset base, and project pipeline grow over time.
Equipment Financing
Fast fundings and flexible terms for new or used equipment purchases. Apply online with no financials required for loans up to $500K.
Equipment leasing
For several reasons, leasing could be right for you. We can help you understand the risks and benefits.
Working Capital
Fuel your operations with flexible working capital solutions that help you manage day-to-day needs and seize growth opportunities.
Get the Right Financing Now and In The Future
Equify Financial offers financing solutions built for your business, and we want you to succeed. That’s our mission, and we’re redefining financial relationships in the process. When you need capital infusions, revolver finance, equipment funding, and more, the team of finance experts at Equify becomes the team you can trust to find – or create – the solution that works best for your business.
Let’s start a conversation about your needs that isn’t just one-and-done. We’ll talk about what you need right now, what you think you’ll need next, and how we can best serve you in the future, whether that involves a traditional working capital loan, an equipment revolver, or a customized revolving equipment line of credit tailored to your goals.