Are high minimum investments and illiquid loan portfolios trapping your equipment finance capital?

Traditional equipment financing locks lenders into fixed‐term loans that tie up capital for years. Massive administrative workloads—manual paperwork, protracted due diligence, and limited secondary markets—stifle growth and prevent you from redeploying funds into new originations or servicing other clients.

Now, imagine the opposite: List your equipment finance loans as offerings on Liquidity, set clear terms, and let verified investors pledge interest before you raise. Each issuance request is reviewed and approved before listing, and holders can later trade on an order book. That’s Liquidity for equipment finance issuers: submit, get approved, and raise capital with confidence—keeping control of your loan portfolio until you choose to rotate or exit.

Schedule My Personalized Demo

How You Can Free Up Working Capital

How it works

Upload & Verify Loan Details

Sign in to Liquidity.io with a one-time code and open asset issuance.
Choose asset type → “Equipment Finance.”
Securely upload loan documentation: origination contracts, payment schedules, collateral details, and borrower financials.
Our team reviews each issuance request and its supporting documents before approving the offering for listing.

Get Approved & List Your Raise

Once approved, your offering is listed under Reg D 506(b), Reg D 506(c), or Reg CF. Tokenized assets display on-chain details such as the token standard and total supply.
Set offering terms: desired raise, minimum to proceed, minimum investment, price per share, and close date—plus coupon (fixed or variable) and distribution frequency.
Choose your listing terms—minimum lot size, lock‐up periods, and any call or put provisions.

Monitor Investor Engagement

Once approved, your raise is listed on Liquidity and investors can pledge interest in it.
Track pledges against your minimum to proceed and close date, and share files through the asset’s Data Room.
If pledges reach the minimum by the close date, investors are invited to subscribe; otherwise pledges lapse.

Accelerate Capital Return & Reinvest

When your raise closes, capital from subscribing investors can be put to work—no need to wait on a 5–7 year amortization schedule to recycle it.
Redeploy raised capital into new originations, equipment purchases, or debt refinancing.
Plan follow-on raises for new loan pools, and use EquityTable, our free cap table tool, to keep ownership records organized.

Solutions We Are Offering

Our platform delivers four core capabilities tailored to equipment finance originators and lenders—each designed to break the constraints of traditional debt cycles and unlock growth.

Investor Verification Built In: Investors complete KYC and AML checks, plus accreditation for Reg D offerings, before they can subscribe to your raise.
Customizable Offering Terms: Set offering terms—desired raise, minimum to proceed, minimum investment, price per share—and choose Reg D 506(b), 506(c), or Reg CF for your raise.
Transparent Pricing: Pricing is discussed up front during your issuance review, and a platform fee may apply when investors subscribe—so your costs are clear before you list, and our incentives stay aligned with your outcomes.

Transparent Order Book: Holders can post bids and asks on an order book showing the reference price, spread, and last round.
Direct Settlement: Secondary trades settle by direct transfer between buyer and seller at closing, using firm or indicative orders.
Price Discovery & Liquidity Metrics: Real‐time analytics show bid/ask spreads, depth charts, and historical price data, giving you transparency into market demand and token performance.

Data Room for Every Asset: Share origination files, research, and updates in each asset’s Data Room, with edit history so investors can see what changed and when.
Investor Engagement Insights: See pledge activity on your raise against the minimum to proceed, so you know where demand stands before the close date.
Data‐Driven Decisions: Use pledge feedback to refine terms on future offerings—adjusting minimum investment, raise size, or price per share based on demand.

Seamless Workflow Alignment: Submit an issuance request online with your loan documentation; no need to overhaul your core lending platform.
Clear Review Path: Every issuance request is reviewed and approved before listing. Our team guides you through documentation, offering terms, and the regime—Reg D 506(b), 506(c), or Reg CF—so you can focus on underwriting more business.

How the Old Model Bleeds Time and Cash

Capital Lock-Up: Loans sit on your balance sheet for 5–7 years, restricting your ability to reinvest in new originations or high-growth sectors.
Missed Opportunities: In rising-rate markets, idle capital trapped in long-term loans reduces your ability to respond—and profit—from changing conditions.

Reinvestment Delays: Staggered repayment schedules prevent fast redeployment of capital, limiting how much you can originate.
Competitive Disadvantage: Agile fintech lenders move faster—syndicating quickly and seizing market share while you wait for repayments.

Manual Processing: Drafting contracts, filing liens, and managing documentation consumes excessive time and staff resources.
Risk of Human Error: Misplaced or incomplete paperwork can lead to compliance issues, audit delays, and potential fines.

Constrained Liquidity: You're often limited to a small pool of regional banks or private debt funds, accepting discounts off par.
Inefficient Syndication: Raising capital requires manual outreach and long negotiations—slowing scale and weakening pricing power.

Reserve My Demo Spot Now

The Liquidity Fix — One Platform, Endless Possibilities

Cost & Friction	Old Way	Liquidity Way
Up‐Front Costs & Delays	High Legal & Admin Costs: Significant spend per loan on documents, verifications, filings, and compliance—before any capital is recovered. Brokerage Discounts to Par: Selling to regional funds often means a discount to par, cutting into your returns.	Simple Issuance: Submit an equipment finance issuance request online, reviewed before listing. Fees Clear Before You List: A platform fee may apply at subscription; terms are shared before your raise goes live. Built-In Compliance: Investor KYC/AML and accreditation checks are built into every raise.
Liquidity & Capital Return	5–7 Year Lock-Up: Capital stays tied up until full loan maturity—no early exit options. Slow Asset Offloading: Selling loan participations can take months due to complex negotiations and regulatory hurdles.	Earlier Capital Access: Raise capital from investors instead of waiting for loans to fully amortize. Order-Book Secondaries: Holders can trade on our order book, with settlement by direct transfer between buyer and seller.
Investor Reach & Demand	Limited Buyer Access: Sales restricted to banks and private credit funds—reducing competition and price efficiency. Outdated Syndication Methods: Raising capital through calls and roadshows is slow, manual, and unpredictable.	Demand Signals: Investors pledge interest first so you can gauge demand before raising—pledges are non-binding, and nothing is collected until investors subscribe. Verified Investor Base: Investors complete KYC and AML checks, plus accreditation for Reg D offerings, before they can subscribe.
Transparency & Tracking	Spreadsheet Chaos: Loan data is scattered across Excel files—making it hard to track balances, collateral, payments, and distributions. High Audit Risk: Disjointed records cause delays and expose you to compliance issues and penalties.	Real-Time Transparency: Share loan updates, collateral files, and research in the asset’s Data Room, with a full edit history. Clear Ownership Records: Tokenized assets show on-chain details; official records are kept by the transfer agent or custodian.

Yes! I Want to Tokenize My Equipment Loans

What You Gain the Very First Day

Immediate benefits that demonstrate how tokenizing your equipment loans transforms your lending business.

Break the 5–7 Year Lock‐Up: Instead of waiting for borrowers to repay on long amortization schedules, raise capital from investors against your equipment loans and reinvest sooner.

How a Raise Works: Investors pledge interest in your equipment finance offering. If pledges reach the minimum by the close date, they are invited to subscribe—otherwise pledges lapse and nothing is collected.

Broaden Your Buyer Universe: Reach verified investors on Liquidity—each completes KYC and AML checks, with accreditation under Reg D 506(b) or 506(c) where required.

Transparent Pricing: Set the price per share and minimum investment up front; holders can later trade on an order book with visible bids, asks, and spread—unlike opaque off‐market syndications

Data Room & Research Tools: Keep origination files, research, and loan updates in each asset’s Data Room, with edit history and valuation charts—no more scrambling to consolidate spreadsheets during audits.

On‐Chain & Official Records: Tokenized assets show blockchain, token standard, supply, and explorer; official ownership records are kept by the transfer agent or custodian and supersede the chain.

Online Issuance: Submit your equipment finance issuance request online with your loan documentation. Review and offering setup run in parallel to your existing workflows, so origination continues uninterrupted.

Dedicated Onboarding Team: Our specialists guide you through documentation, offering terms, and regime selection—Reg D 506(b), 506(c), or Reg CF—so your raise is reviewed and approved before listing, with minimal disruption to lending.

Pledge Activity Insights: Track pledges against your minimum to proceed and close date. Use what you learn to structure future raises—raise size, minimum investment, and price per share.

Cap Tables with EquityTable: EquityTable, our free cap table tool at equitytable.io, helps you keep ownership records organized alongside your raises on Liquidity—minimizing admin work.

Experience Our Platform Firsthand: New issuers can explore Liquidity live in beta—view markets, asset pages, Data Rooms, and the order book—before submitting an equipment finance issuance request for review and approval.

Hands-On Support From Day One: Our team walks you through documentation, offering terms, and the review process, so your first raise is set up clearly and ready for investors to pledge interest.

Send Me the Equipment Loan Tokenization PDF

Platform Facts

Reg D

KYC

Review

Save My Seat for the Demo Webinar

Ready to Plan Your Equipment Finance Raise?

Fill in your details and choose your next step

Thank you! Your submission has been received!

Oops! Something went wrong while submitting the form.

E-Signature and Electronic Disclosure Agreement

Disclosure

Trust Center

DISCLAIMER: Securities brokerage services are provided by Liquidity.io LLC, a member of FINRA/SIPC. Equity clearing by Alpaca Securities LLC; cryptocurrency by Alpaca Crypto LLC. Liquidity.io is a wholly owned subsidiary of Satschel Inc. and provides services to this Platform. By using the Site, you are subject to the Liquidity.io LLC Terms of Service and Privacy Policy.

Please read these carefully before using the Platform. Although our Platform may describe opportunities to invest in various securities, we do not make recommendations regarding the appropriateness of any particular investment opportunity for any particular investor. We are not investment advisers and we do not provide investment advice or monitor, endorse, analyze, or recommend any securities. You should be aware that the value of investments in private securities may be impacted by limited disclosure of financial and other company information, and of transaction reporting; they may be less-liquid than comparable public-market securities and that private securities holdings are often subject to additional trading restrictions which may impact your ability to sell. You should consult your business adviser, accounting adviser, and/or attorney with respect to price, value, risk or other aspects of your security or investment, prior to entering into a transaction. Digital assets using blockchain, are speculative, involve a high degree of risk, are generally illiquid, may have no value, have limited regulatory certainty, are subject to potential market manipulation risks and may expose investors to loss of principal. Investments in private placements, start-up investments in particular, are also speculative and involve a high degree of risk. Investors must be able to afford the loss of their entire investment. Blockchain is a new technology and unproven in financial markets. Securities ownership is officially maintained at a securities custodian and the transaction agent's records supersede the blockchain. There is no guarantee that tokenization will enable any secondary market liquidity in the future and your investment may remain illiquid.

Liquidity.io LLC is a member of FINRA and SIPC.

Liquidity.io LLC Contact:
Eric Choi
Tel: +1 (702) 379-5528
Address: 3350 Sugarbowl Cir., Whitefish, MT