An equipment sale-leaseback is a financing structure in which a business sells equipment it already owns to a lender and leases it back in the same transaction. You keep using the equipment without interruption — and the equity locked in those assets converts to working capital you can put to work now.
Commercial Funding Partners is a direct lender structuring equipment sale-leasebacks from $250,000 to $100M+ nationwide. Free up cash, preserve your credit lines, and keep every machine on the job.
Businesses use sale-leasebacks to fund expansion, smooth seasonal cash flow, pay down debt, or capitalize a new contract — without adding a conventional loan or drawing down credit lines, which stay open for operations and emergencies. Because the capital comes from equipment you already own, the transaction is grounded in assets your business already controls.
There is a tax dimension, too: depending on how the leaseback is structured, payments may be deductible as business expenses, and the decision interacts with Section 179 and bonus depreciation planning on other equipment you acquire. Your CPA confirms the treatment; we structure the transaction to fit it.
Unlocking equity in machines you already own is what a sale-leaseback is for — if you are acquiring new equipment instead, straight equipment financing is usually the better fit.
We assess your equipment to determine its value and eligibility for our sale-leaseback program.
You sell your equipment to Commercial Funding Partners at a fair market value.
Simultaneously, you lease the equipment back from us under a mutually agreed-upon term and payment plan.
You continue to use the equipment without any operational disruptions.
At the end of the lease term, you have the option to buy back the equipment, extend the lease, or upgrade to new equipment.
At Commercial Funding Partners, we pride ourselves on being more than just a lender. We are your partners in growth and innovation. Our team is committed to providing personalized service, understanding your unique business challenges, and crafting solutions that align with your long-term goals.
As a direct lender, we structure and fund transactions ourselves — working with business owners directly as well as alongside their finance partners. Want to know whether your equipment fits? Call (801) 461-3337 and talk it through with a structuring specialist.
$36M
Manufacturer recapitalization
A $36 million sale-leaseback with a 60-month non-tax lease structure, funding a Midwest manufacturer’s facility recapitalization.
$6M
Masonry contractor
A $6M sale-leaseback for a masonry contractor — equipment the business already owned, converted into working capital.
$1.5M
Oil-rig liquidity
A $1.5M sale-leaseback structured to create liquidity for an oil-rig operator.
Browse more completed transactions in the funded-transactions index.
An equipment sale-leaseback is a financing structure in which a business sells equipment it owns to a lender and immediately leases it back. The business keeps uninterrupted use of the equipment, converts equipment equity into working capital, and at the end of the lease term can buy the equipment back, extend the lease, or upgrade to new equipment.
No. The sale and the leaseback happen together, so the equipment never leaves your floor and operations continue without disruption. You keep running the same machines under the lease, and at lease end you can reclaim ownership through the buyback option.
It depends on the value of the equipment. Commercial Funding Partners assesses your equipment to determine its value and eligibility, purchases it at fair market value, and structures transactions from $250,000 to $100M+ — recent sale-leasebacks range from a $1.5M oil-rig transaction to a $36M manufacturer recapitalization.
They can be. Depending on how the leaseback is structured, lease payments may be deductible as business expenses, and the structure interacts with Section 179 and bonus depreciation planning on other equipment you acquire — estimate that side with our Section 179 calculator. Tax treatment varies by structure and entity, so confirm the specifics with your CPA.
Preparing a project? Work through the Equipment Financing Readiness Checklist — the same items CFP reviews before structuring $250K to $100M+ financing.
