Equipment Refinancing l CCG

Equipment Refinancing

Refinancing your equipment can lower your monthly payments, providing you with more operating capital. You can run your business with more cash on hand and less strain on cash flow.

Lower Monthly Payments
Free Up Cash
Improve Cash Flow

Let’s Talk

Lower Monthly Payments
Free Up Cash
Improve Cash Flow

EQUIPMENT REFINANCING SERVICES

Refinance your equipment to create more flexibility

You rely on revenue-generating equipment that is highly capital-intensive and has a significant amount of cash tied up in that equipment. Whether the equipment is already paid for or has existing loans, refinancing can have significant benefits for a company's cash flow and business operations.

Whether you need to reduce monthly payments or exercise a purchase option on rented or leased equipment, CCG can help.

We meet with you in person to understand how your business operates and to evaluate your options. We look beyond your credit score to see the full picture, we then build a refinancing plan around your operation and goals, not the other way around.

You get with fast decisions, terms that align with your revenue cycle, and a clear path to success, allowing you to move forward with room to grow.

FREE RESOURCE

The Ultimate Guide to Equipment Refinancing

Everything You Need to Know, All in One Place

Learn how refinancing works, when it makes sense, and how to avoid costly mistakes. See real examples of how equipment refinancing has helped companies reduce payments and stabilize their businesses.

Download Guide

KEY BENEFITS

The top 5 reasons to refinance your equipment

Refinancing gives you more control over cash flow and debt. These are the most common ways owners use refinancing to strengthen operations and keep business moving.

Lower Payments

Reduce your monthly loan payments with new terms and structure, allowing you to fund business operations and sustain growth.

Avoid Balloon Payments

Refinance to avoid end-of-term balloon payments.

Consolidate Loans

Roll multiple notes into one predictable payment with one lender. Fewer headaches, less time on administrative tasks, and a clearer view of your obligations.

Get Cash from Equity

Refinance existing equipment equity to access working capital. Fund repairs, buy raw materials, or bridge project timing without pausing operations.

Exercise Purchase Options on Leased Equipment

Refinance leased equipment to pay off the end-of-term residual. Secure long-term ownership with manageable payments.

HOW IT WORKS

How to refinance your equipment for more cash and control

We keep the process simple. Share your goals, and we’ll evaluate your equipment and cash flow to build options that fit your operation.

01.

Share your goals

Tell us what you need from the refinance—lower payments, cash out, consolidation, or a combination of these. We align the structure to meet your business needs.

02.

Review equipment and cash flow

Provide us with a list of your assets and the amounts you owe on each. We assess the collateral and your payments to provide refinancing options.

03.

Choose your plan

Review the refinancing options and determine what works best for your business.

04.

Secure your loan

We finalize documents and fund quickly, so you leave with one plan, one lender, and more cash available for the work ahead.

LET’S TALK

INDUSTRIES

Financing expertise for your industry

Our sales and credit teams know your equipment and understand your industry, including revenue cycles and operational demands. This enables us to refinance more quickly and structure payments that align with your business needs.

01.

Construction

Construction Equipment

Refinancing your heavy equipment can help you weather seasonal slowdowns by reducing monthly payments. Save money and improve cash flow.

02.

Manufacturing

Manufacturing Equipment

Restructure loans on CNC and production equipment to stabilize cash. Use the freed-up cash to fund tooling, maintenance, or new orders while keeping lines running.

03.

Transportation

Transportation Equipment

Refinance Class 8 trucks and trailers to reduce monthly payments and weather the ups and downs of the trucking industry.

04.

Waste

Waste Environmental

Refinance trucks, roll-offs, and support equipment, then use the money you save on equipment payments for repairs or fleet upgrades.

Construction Equipment

Refinancing your heavy equipment can help you weather seasonal slowdowns by reducing monthly payments. Save money and improve cash flow.

Manufacturing Equipment

Restructure loans on CNC and production equipment to stabilize cash. Use the freed-up cash to fund tooling, maintenance, or new orders while keeping lines running.

Transportation Equipment

Refinance Class 8 trucks and trailers to reduce monthly payments and weather the ups and downs of the trucking industry.

Waste Environmental

Refinance trucks, roll-offs, and support equipment, then use the money you save on equipment payments for repairs or fleet upgrades.

WHY COMMERCIAL CREDIT GROUP?

We’re not your traditional heavy equipment lender. We back your vision and your growth from day one.

More About Us

01.

We see the whole picture.

We look at your character, cash flow, and equipment—not just your credit score—so you get flexible funding tailored to your unique situation.

02.

We know how you work.

We meet you on-site, speak your language, and understand your equipment, so every financing plan reflects the way your business actually runs.

03.

We build plans around your goals.

From new equipment to refinancing or working capital, we create financing that supports your goals, your cash flow, and your growth timeline.

04.

We’re ready when you need us.

Whether you need $50,000, $10 million, or something in between, we give you the ability to secure equipment, win contracts, and keep work moving when timing matters most.

05.

We show up when others walk away.

Regardless of industry and economic cycles, we stay engaged with funding and support so you can keep moving forward even when other lenders pull back.

06.

We’re here for the long haul.

Most of our customers come back again and again because the financing works, the relationship runs deep, and our trust grows stronger every year.

More About Us

TESTIMONIALS

Commercial & Residential Landscaping Company in Illinois

“The level of customer service was exceptional. Beyond that, my rep's knowledge of equipment and financial options available to me was impressive. I would recommend him without hesitation.”

Commercial & Residential Landscaping Company in Illinois

“The level of customer service was exceptional. Beyond that, my rep's knowledge of equipment and financial options available to me was impressive. I would recommend him without hesitation.”

CASE STUDY

View All Success

Manufacturer Saves Money By Refinancing Open Equipment Loans

By refinancing their equipment loan, this manufacturer lowered payments and improved cash flow—without slowing operations or growth.

Read Story

View All Success

FINANCING RESOURCES

Resources to help you grow on your terms.

Plan ahead with practical tools and expert tips that help you secure the right financing for your business

THE LATEST FINANCE INSIGHTS

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Finance Calculators

Easy-to-use tools to estimate payments, compare terms, and plan financing that fits your business.

Section 179 Calculator

Estimate tax savings on equipment purchases

Equipment Financing Calculator

Estimate monthly payments for financed equipment

OFFERS

Checklists

Step-by-step tools to help you plan financing decisions and keep your business moving forward.

OFFERS

Whitepapers & Guides

In-depth resources with industry insights and strategies for smarter equipment and capital financing decisions.

VIDEOS

Video Library

Quick, expert-led videos explaining financing options, industry trends, and tips to grow your business.