Sale-Leaseback, Refinance & Working Capital

Unlock the Value Sitting in Your Equipment

Sale-leaseback, refinancing, consolidation, and working capital solutions — put your existing assets to work without selling what you depend on.

If you own equipment, you have capital — it just isn't liquid yet. Northgate structures transactions that convert equipment equity into cash flow, reduce your monthly debt burden, or simplify a complex book of financing obligations. Whether you need a cash injection, a lower payment, or both, the solution often starts with what you already own.

Each tool works differently but they share the same goal: putting cash back in your hands using assets you already have.

Sale-Leaseback

  1. Northgate arranges a buyer (typically a leasing company) for your equipment
  2. You receive a lump sum at fair market value
  3. You lease the equipment back — continuing to use it without interruption
  4. Cash is freed for operations, payroll, expansion, or debt reduction

Refinance

  1. We assess your current equipment loans and lease terms
  2. We source better rates or improved terms from our lender network
  3. Your existing debt is paid out and replaced with a single new facility
  4. Lower payments or freed cash flow from day one

Consolidation

  1. Multiple equipment loans or leases are combined into one
  2. Single payment, single lender, simplified administration
  3. Often results in a lower blended rate and reduced monthly obligation
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Is This Right For You?

These solutions are designed for operators who already own equipment and need to optimize their financial position:

  • Businesses carrying multiple high-rate equipment loans
  • Operators who need working capital but don't want to sell their equipment
  • Companies facing a cash crunch with significant assets on the books
  • Owners looking to consolidate debt before a major expansion
  • Businesses whose equipment has appreciated and want to unlock that equity
  • Operators who refinanced quickly and now qualify for better terms

What You Get

  • Keep operating — sale-leaseback lets you access equity without losing the equipment you depend on
  • Improve cash flow immediately — consolidation and refinancing reduce monthly obligations from day one
  • Simplify your books — one payment, one lender, one renewal date
  • Avoid new debt — working capital from your own assets doesn't add new liabilities to your balance sheet
  • Fast turnaround — most transactions complete within 5–10 business days
  • No disruption to operations — equipment stays on the job throughout the process
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Deals Like Yours

Real transactions — anonymized to protect client privacy.

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Ready to Get Started?

Talk to Northgate — no obligation, no lengthy forms, just a conversation about what you need.

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