LOAN COLLATERAL
Equipment Appraisal for Loan Collateral
Equipment appraisal services for loan collateral covering orderly liquidation value, forced liquidation value, and fair market value, prepared in accordance with USPAP. Ironclad Desktop Valuations appraises machinery, construction, IT, and medical equipment for lenders and asset-based financing nationwide.
- Orderly & Forced Liquidation Value
- USPAP-Compliant Lender Reports
- Nationwide Coverage, No On-Site Visit
ASSET TYPES
Ironclad Desktop Valuations Appraises All Types of Equipment for Loan Collateral, Including Machinery, Construction, and IT Assets
Manufacturing & Industrial Machinery
CNC machines, production lines, and plant machinery pledged as collateral for equipment loans and asset-based lines.
Construction & Heavy Equipment
Excavators, loaders, dozers, and attachments financed through term loans, refinancing, and sale-leaseback deals.
IT & Office Equipment
Servers, workstations, and networking infrastructure valued for lenders securing technology-heavy portfolios.
Medical & Laboratory Equipment
Diagnostic, imaging, and lab equipment appraised as collateral for clinic, practice, and research financing.
Transportation & Fleet Equipment
Trucks, trailers, and titled fleet assets valued for lenders and asset-based lending facilities.
Farm & Agricultural Equipment
Tractors, implements, and agricultural machinery pledged to secure operating and equipment loans.
LENDER VALUE PREMISES
Lenders Rely on Orderly and Forced Liquidation Value for Equipment Collateral
When equipment secures a loan, lenders rarely rely on fair market value alone. They want to know what the assets would bring if the loan defaults and the collateral has to be sold, so most collateral appraisals report value under liquidation premises.
Orderly liquidation value (OLV) estimates the proceeds from a properly advertised, privately negotiated sale over a reasonable period. Forced liquidation value (FLV) estimates proceeds from an auction-style sale under compulsion, on a compressed timeline. Fair market value (FMV) reflects a willing-buyer, willing-seller transaction and is often reported alongside the liquidation figures for a complete picture.
Each report is prepared in accordance with USPAP and documents the comparable sales and market evidence behind every conclusion, so your lender, SBA underwriter, or asset-based lending team has a defensible basis for the advance rate. We prepare our reports to meet lender and SBA requirements, and we confirm which value premises your lender needs before we begin. See our equipment appraisal pricing for collateral reports.
ENGAGEMENT PROCESS
How Your Loan Collateral Appraisal Works
- 01
Submit Equipment Details
Provide photos, specifications, model and serial numbers, purchase records, and condition information for the equipment pledged as collateral.
- 02
Liquidation & Market Value Analysis
Our certified appraisers research comparable sales and current market data to establish orderly liquidation, forced liquidation, and fair market value as your lender requires.
- 03
Lender-Ready USPAP Report
Receive a USPAP-compliant appraisal documenting each value conclusion and the market evidence behind it, formatted for your lender or SBA underwriter.
USPAP COMPLIANT
Certified Equipment Appraisers for Lender and SBA Financing
Every collateral appraisal we deliver is prepared in accordance with USPAP. Our appraisers hold credentials with leading organizations such as the American Society of Appraisers (ASA) and the NEBB Institute (CMEA), so your lender receives a qualified, defensible valuation of the pledged equipment.
ASA Accredited
CMEA
CAGA
USPAP
FAQ
Loan Collateral Appraisal Questions
What value does a lender require for equipment used as collateral?
Most lenders require a liquidation value rather than fair market value, because it reflects what the collateral would bring if the loan defaults. Orderly liquidation value (OLV) and forced liquidation value (FLV) are the most commonly requested premises, and lenders often set the advance rate against one of them. We confirm which value your lender needs before we begin and can report multiple premises in a single report.
What is the difference between orderly and forced liquidation value?
Orderly liquidation value estimates the proceeds from a properly advertised, privately negotiated sale conducted over a reasonable period. Forced liquidation value estimates proceeds from an auction-style sale under compulsion, on a compressed timeline, and is typically lower. Both assume the equipment is sold piecemeal rather than as an ongoing business.
Does the SBA require an equipment appraisal for a loan?
SBA lenders frequently require an independent equipment appraisal when machinery and equipment secure a 7(a) or 504 loan, particularly above program thresholds or when the collateral drives the credit decision. Our reports are prepared in accordance with USPAP to meet SBA lender requirements. Confirm the specific appraisal requirement with your lender, and we will prepare the report to match.
Can a desktop appraisal be used for loan collateral?
Yes. USPAP standards govern how an appraisal is developed and reported, not how the equipment is inspected. Our desktop methodology applies the same market analysis and documentation standards as an on-site inspection, producing a lender-ready appraisal without the cost and delay of a site visit. Some lenders specify an on-site inspection, so confirm your lender's requirement first.
How is equipment value determined for collateral?
Our appraisers analyze comparable sales, current auction and dealer market data, the equipment's age, condition, hours or usage, and remaining useful life. Those inputs support the orderly liquidation, forced liquidation, or fair market value conclusions, each documented in a USPAP-compliant report your lender can rely on.
Secure your financing with a defensible equipment value.
USPAP-compliant collateral reports with orderly and forced liquidation value, delivered on a timeline confirmed up front.