Excavators, cranes, wheel loaders, bulldozers, and heavy machinery from recognized manufacturers accepted as collateral. TLN conducts its own valuation and verification. A clear title is not a prerequisite to submit, and where an existing lien exists, the outstanding balance is factored into the capital structure, subject to underwriting and to the requested capital and the equipment's verified value supporting it. Initial review typically within one business day.
Construction companies, contractors, and equipment owners frequently hold significant capital in their machinery fleets, excavators, crawler cranes, loaders, and specialized equipment representing hundreds of thousands to millions of dollars in asset value. Yet that capital is typically inaccessible without selling equipment that is generating revenue, encumbering it through equipment finance arrangements that restrict use, or navigating the slow timelines of traditional commercial lending.
The Liquidity Network provides an alternative. Private capital arrangements secured by construction equipment allow contractors and equipment owners to access liquidity against the verified value of their machinery, without the delays, income documentation requirements, and personal financial scrutiny of traditional lending. We evaluate the equipment, verify its value, conduct our own research on title and any existing liens, and structure capital arrangements that reflect the asset's worth.
Our underwriting approach for construction equipment is methodical and specific to the asset class. We know that a low-hours Caterpillar 395 excavator has meaningfully different value than a comparable unit with twice the hours. We know that a Liebherr LTM crawler crane with documented maintenance history, current certifications, and a full rigging package is different from one missing its documentation. We apply this knowledge, not generic formulas, to determine the capital available against your equipment.
None of the following is required to submit. TLN conducts its own research, valuation, and verification on every asset. When these items happen to be available, they strengthen the valuation basis and can support a faster review and stronger preliminary terms:
TLN also conducts its own UCC lien searches in all applicable jurisdictions, and where an existing lien exists, the outstanding balance is factored into the capital structure, subject to underwriting and to the requested capital and the equipment's verified value supporting it. Every submission is reviewed individually, and eligibility and terms are not guaranteed.
The Liquidity Network reviews construction and heavy equipment across the full spectrum of the industry. Not exhaustive, all equipment reviewed on individual merits.
Crawler excavators from Caterpillar, Komatsu, Volvo, Hitachi, and Liebherr, from compact 5-ton machines to large mining-class units, alongside track-type dozers and motor graders from Caterpillar, Komatsu, and WIRTGEN. Hours, undercarriage status, and blade configuration are primary value factors.
Caterpillar, Komatsu, Volvo, John Deere, and Case wheel loaders and articulated haul trucks, evaluated on hours, bucket and attachment configuration, and overall condition. Late-model, thoroughly documented units carry the strongest residual value.
Lattice-boom crawler cranes from Manitowoc, Liebherr, Link-Belt, and Kobelco; self-erecting and conventional tower cranes from Potain, Terex, and Wolffkran; and aerial work platforms from JLG, Genie, and Skyjack. Jib configurations, boom lengths, and current certifications are evaluated as part of the complete package.
Truck-mounted and stationary concrete pumps, mixers, and placing booms from Schwing, Putzmeister, and Alliance, along with rollers and compaction equipment, evaluated with full attachment inventories and condition review.
Rotary drilling rigs, soil mixing equipment, and foundation drilling machinery from Bauer, Soilmec, and Liebherr Foundation Equipment, plus hydraulic and vibratory pile-driving hammers from APE, Dawson, and BSP, evaluated with full attachment inventories.
Mixed fleets and multi-unit equipment portfolios can be reviewed together, with each machine assessed on its make, model year, hours, and documentation to structure capital against the combined asset value.
Equipment valuation for lending purposes requires knowledge of the construction machinery market, not generic depreciation schedules. TLN reviews each machine against current auction results, comparable transactions, and the specific usage and documentation factors that professional buyers weigh when making purchase decisions.
Hour Meters & Depreciation: In the construction equipment market, hour meter readings are the primary measure of usage, the equipment equivalent of odometer mileage. Lower hours relative to a machine's age generally indicate less wear and stronger residual value. However, hours alone do not tell the complete story. A well-maintained machine with 10,000 hours may be in better condition than a neglected machine with 4,000 hours. We look at the full picture:
UCC Lien Searches: Article 9 of the Uniform Commercial Code governs secured transactions in personal property throughout the United States. When a lender or financing company has a security interest in equipment, they perfect that interest by filing a UCC-1 financing statement with the appropriate state filing office. These public filings are searchable, and a thorough UCC search reveals whether any prior secured party has a claim on the equipment you wish to pledge as collateral.
A clear title is not a prerequisite to submit, and an existing lien or financing statement does not automatically disqualify the equipment. Construction equipment often carries existing financing, which is fine. TLN conducts its own research, valuation, and verification on every asset, including comprehensive UCC searches in all applicable jurisdictions. Where there is an existing lien, the outstanding balance is factored into the capital structure, subject to underwriting and to the requested capital and the equipment's verified value supporting it.
We also conduct thorough review of any applicable state titling requirements for equipment that may carry certificates of title, review insurance documentation to confirm adequate coverage, and verify manufacturer serial number identification plates against equipment documentation.
For equipment where manufacturer certification or dealer service records are relevant, particularly cranes requiring load charts, inspection certifications, and capacity documentation, we engage specialists familiar with those manufacturers' technical requirements. Crane manufacturers including Manitowoc, Liebherr, and Link-Belt issue load charts, rigging diagrams, and configuration-specific capacity data that are integral to the crane's operational value and therefore to our collateral assessment.
Authorized dealer service records (as opposed to third-party service records) carry additional weight in our documentation review, as they provide an independent, branded chain of custody for the machine's service history. For newer equipment still under manufacturer warranty, warranty documentation and transferability information are also relevant inputs.
We understand hour meters, undercarriage wear, hydraulic system condition, and the difference between a thoroughly documented machine and one with gaps in its service history. Our review reflects this specialist knowledge, not generic formulas, and each machine is assessed by reviewers who know the asset class.
For most equipment-backed arrangements, the equipment remains in your custody and can stay in service during the loan term, with TLN holding a perfected security interest as its collateral position. Specific terms are set out in the loan agreement, and at maturity, repayment releases the lien.
Provide make, model, year, serial number, current hours, condition description, maintenance record summary, and ownership documentation if you have it. We assess and respond within hours.
We conduct UCC lien searches, engage an independent inspector, and review maintenance records. A non-binding capital offer is then issued. Initial reviews are typically completed within one business day, depending on the asset, available documentation, ownership verification, valuation complexity, and transaction details. Timing, eligibility, and terms are not guaranteed.
Legal documentation establishing TLN's security interest is executed. Capital disbursed. Equipment remains in your custody unless otherwise agreed. At maturity, repay to release the lien.
Submit your equipment details for a confidential review. No credit check. No obligation. Initial review typically within one business day.