Equipment Refinancing for Small Business Loans

Free up working capital while keeping the equipment your operation depends on. Equipment refinancing for small business loans can help eligible U.S. manufacturers and fabrication shops turn existing machinery value into a more manageable financing structure. Explore options for improving cash flow, supporting growth plans, and aligning payments with your production needs without interrupting day-to-day operations.

Small business owner reviewing equipment refinancing documents

Our Equipment Refinancing Services

Support for evaluating existing machinery, preparing financing information, and planning a structure that fits operational goals.

Equipment Value Review

Review the age, condition, capability, and production role of existing equipment to help establish a clear starting point for refinancing discussions and documentation.

Refinancing Preparation

Organize equipment details, ownership records, maintenance history, and business information so prospective financing conversations can begin with complete, relevant documentation.

Cash Flow Planning

Consider how refinancing may align payment timing with production demand, preserve operating capital, and support planned investments in shop capacity or automation.

Business owner assessing financing options for shop equipment

A Clear Equipment Refinancing Path

Review Your Existing Equipment

Start by identifying the machinery you want to refinance, its current condition, remaining useful life, ownership status, and role in daily production. Detailed equipment records help create a more informed financing conversation.

Gather Business Documentation

Evaluate Financing Objectives

Assess Terms And Next Steps

Trusted Fabrication Heritage

Built for Production

See why manufacturers rely on durable equipment, responsive support, and practical production expertise.

"Being able to have a brake that’s programmable … has cut down our setup time. You just pop in your program and you go. That’s fantastic. That’s what we’ve learned from our … operators using it. It’s turned out really well. I would recommend [a Piranha press brake]."

Chad Stetler

"It saves time and money, mostly from the elimination of processes [...] I can do stuff with my laser that a lot of people can’t do."

Mike Copeland

"I’m Michael Dodson with SleepSafe Beds and I’m the Fabrication Supervisor here. I started in welding fabrication when I was about 12 or 13 years old. My stepfather was a welding instructor for the United States Army and it just has progressed on from there. It’s something that I’ve done..."

Michael Dodson

"My name is Jano Tuchnya. I’m the director of Sonnex. We are involved in manufacturing. I love mechanical engineering and manufacturing and installations. I managed to surround myself with people like myself who were willing to work day and night to pull off the project. We are little bit different..."

Jano Tuchnya

"Probably the one thing that’s been as satisfying to us as anything is the tolerances we’ve been able to hold. It has saved us a tremendous amount of time."

Kris Boles

"Being able to have a brake that’s programmable … has cut down our setup time. You just pop in your program and you go. That’s fantastic. That’s what we’ve learned from our … operators using it. It’s turned out really well. I would recommend [a Piranha press brake]."

Chad Stetler

"It saves time and money, mostly from the elimination of processes [...] I can do stuff with my laser that a lot of people can’t do."

Mike Copeland

"I’m Michael Dodson with SleepSafe Beds and I’m the Fabrication Supervisor here. I started in welding fabrication when I was about 12 or 13 years old. My stepfather was a welding instructor for the United States Army and it just has progressed on from there. It’s something that I’ve done..."

Michael Dodson

"My name is Jano Tuchnya. I’m the director of Sonnex. We are involved in manufacturing. I love mechanical engineering and manufacturing and installations. I managed to surround myself with people like myself who were willing to work day and night to pull off the project. We are little bit different..."

Jano Tuchnya

"Probably the one thing that’s been as satisfying to us as anything is the tolerances we’ve been able to hold. It has saved us a tremendous amount of time."

Kris Boles

"Being able to have a brake that’s programmable … has cut down our setup time. You just pop in your program and you go. That’s fantastic. That’s what we’ve learned from our … operators using it. It’s turned out really well. I would recommend [a Piranha press brake]."

Chad Stetler

"It saves time and money, mostly from the elimination of processes [...] I can do stuff with my laser that a lot of people can’t do."

Mike Copeland

"I’m Michael Dodson with SleepSafe Beds and I’m the Fabrication Supervisor here. I started in welding fabrication when I was about 12 or 13 years old. My stepfather was a welding instructor for the United States Army and it just has progressed on from there. It’s something that I’ve done..."

Michael Dodson

"My name is Jano Tuchnya. I’m the director of Sonnex. We are involved in manufacturing. I love mechanical engineering and manufacturing and installations. I managed to surround myself with people like myself who were willing to work day and night to pull off the project. We are little bit different..."

Jano Tuchnya

"Probably the one thing that’s been as satisfying to us as anything is the tolerances we’ve been able to hold. It has saved us a tremendous amount of time."

Kris Boles
The Piranha Difference

Why Choose Piranha?

Fabrication knowledge and long-term equipment support can strengthen your planning decisions.

Deep Heritage

145+ years of combined brand heritage informs practical, long-term fabrication equipment guidance.

Nationwide Reach

Piranha serves all 50 U.S. states with support for fabrication operations nationwide.

Shop Expertise

Decades of metal fabrication experience help connect equipment decisions to real production needs.

Responsive Support

U.S.-based teams and same-day in-stock parts shipping help reduce avoidable equipment downtime.

Meet the Piranha Team

Experienced equipment specialists focused on fabrication shop performance.

Piranha was founded in 1974 after Harry Oswald and Bob Brown developed an ironworker to solve a real production challenge at their foundry. That practical beginning still shapes how the company approaches fabrication equipment today. Over time, Piranha expanded its product range and integrated the W.A. Whitney and Bertsch brands, building more than 145 years of combined manufacturing heritage. From its Illinois manufacturing and support operations, Piranha serves fabrication businesses across all 50 U.S. states and North America. The team understands that machinery decisions affect throughput, labor, uptime, and capital planning. Whether a shop is maintaining proven equipment or preparing for future automation, Piranha brings a production-focused perspective to the conversation.

FoundedServing fabricators since 1974
Heritage145+ years of combined experience
CoverageSupporting all 50 U.S. states

Frequently Asked Questions

What is equipment refinancing for a small business?

Equipment refinancing is a financing arrangement that uses qualifying equipment a business already owns, or has substantial equity in, as collateral for new financing. The proceeds may support working capital, growth initiatives, or restructuring an existing equipment obligation. Eligibility, available amounts, repayment terms, and collateral requirements vary based on the equipment, lender standards, and the business’s financial profile.

Can I refinance equipment that still has a loan on it?

What equipment can be refinanced?

How does equipment value affect refinancing options?

Will refinancing equipment affect my business cash flow?

What documents are usually needed for equipment refinancing?

How long does equipment refinancing take?

Do I keep using my equipment after refinancing?

Questions About Your Equipment Options?

Speak with a knowledgeable team about your fabrication equipment needs.

Heritage & Support

Awards and Recognition

145+ years heritage trust badge

145+ Years Heritage

Combined legacy across trusted fabrication brands.

Nationwide service coverage badge

Nationwide Service Coverage

Supporting customers throughout all 50 states.

U.S.-based support badge

U.S.-Based Support

Domestic parts and technical assistance.

Start Your Equipment Planning Conversation

Share the equipment you own and your operational goals. Our team will help direct your next conversation with relevant product and support information.

Contact Us Today

For immediate assistance, feel free to give us a direct call at 800-338-5471.