Dedicated Services
Equipment Refinancing
Reduce monthly obligations and free up working capital by refinancing existing equipment loans — better rates, extended terms, and a streamlined process.
Reduce monthly obligations and free up working capital by refinancing existing equipment loans — better rates, extended terms, and a streamlined process.
Refinancing replaces an existing equipment loan with new terms — often a lower payment, a longer term, or cash pulled from the equity you have built. It is one of the fastest ways to improve monthly cash flow without selling assets.
TruCapital reviews your current financing and shops the market for a better structure. If the numbers work, we handle the payout of your old loan and set you up with terms that fit today’s business.
Tell us what you owe, on what equipment, and your current payment.
We compare your situation against our lender network for a better structure.
Lower payment, longer term, or cash-out — you pick what fits.
We pay off the old loan and put your new, improved terms in place.
To keep your approval fast, have these ready when you apply:
An owner-operator extends the term on a paid-down truck and cuts the monthly payment by hundreds, easing a slow season.
A fleet refinances three owned trailers to pull working capital for a major repair without touching its bank line.
Yes. If you own equipment free and clear, a sale-leaseback or equity refinance can unlock cash while you keep using it.
Often yes — by extending the term or securing a better rate. Your advisor will show the exact numbers before you commit.
Many refinances close within a few business days once we have your current statements and equipment details.
A single application has minimal impact, and improved cash flow can strengthen your overall financial position.
Book a free consultation with a TruCapital advisor and get a tailored pre-approval — fast, transparent, and built for your business.
