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: Tokenize any outstanding equipment loan in under two hours, unlock fractionalized debt instruments with low entry thresholds, and tap a global network of yield‐seeking investors ready to trade equipment‐backed securities like stocks. That’s Liquidity + EquityTable for equipment finance issuers: list, tokenize, and raise capital instantly—keeping control of your loan portfolio until you choose to rotate or exit.

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How You Can Free Up Working Capital

How it works

Upload & Verify Loan Details

Log in to Liquidity.io and navigate to EquityTable’s dashboard.
Select “New Asset” → “Equipment Loan.”
Securely upload loan documentation: origination contracts, payment schedules, collateral details, and borrower financials.
Our system automatically verifies each document—confirming borrower creditworthiness and current collateral valuations.

Tokenize & List on Marketplace

With one click, convert each verified loan into compliant digital securities. Each token represents a fraction of the outstanding loan principal plus any accrued interest rights.
Configure token parameters: total supply (e.g., 10,000 tokens for a ₹10 crore loan at ₹1,000 each), coupon rate (fixed or variable), and distribution frequency (monthly, quarterly).
Choose your listing terms—minimum lot size, lock‐up periods, and any call or put provisions.

Monitor Investor Engagement

Once tokens are minted, your loan appears instantly in our regulated secondary marketplace.
Track real‐time order‐book data: bids, asks, volume, and price trends via the EquityTable analytics dashboard.
Receive notifications when large orders book, allowing you to adjust terms or issue add‐on tranches if demand spikes.

Accelerate Capital Return & Reinvest

As tokens sell, capital flows back into your escrow‐protected account within days—no need to wait for borrowers to repay on a 5–7 year amortization schedule.
Redeploy returned funds immediately into new originations, equipment purchases, or debt refinancing.
Automate recurring reinvestments by linking EquityTable to your existing loan‐origination system, creating a continuous liquidity engine.

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.

Automated Compliance Checks: Integrated KYC/AML and KYB modules verify borrower and investor identities in minutes—no manual data entry or paper‐and‐ink forms.
Customizable Token Parameters: Set coupon rates (fixed or floating), define token classes (senior vs. mezzanine), and implement lock‐up or vesting schedules to align with your risk tolerance.
Zero Listing Fees: Unlike traditional debt platforms that charge ₹2 lakh+ upfront, EquityTable is free to join. You pay only a 3 % success fee when tokens sell—ensuring our incentives are fully aligned with your outcomes.

24/7 Global Order Book: Buyers and sellers trade around the clock—Asia, Europe, and North America—ensuring your tokens never sleep.
Instant Settlement: On‐chain settlement finalizes in minutes; integrated escrow rails (ACH, UPI, Fedwire) convert fiat to tokens seamlessly.
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.

Loan Performance Dashboard: Monitor each tokenized loan’s status—current principal outstanding, accrued interest, delinquency flags, and collateral valuations—in one unified interface.
Investor Engagement Insights: Track which investor segments (RIAs, family offices, retail) are placing bids, at what price levels, and in which geographies.
Data‐Driven Decisions: Use our built‐in analytics to optimize token structures—adjust coupon rates, unlock more supply, or consolidate tranches—based on real market feedback.

Seamless Workflow Alignment: Liquidity’s API hooks into your existing loan origination system; no need to overhaul your core lending platform.
Two‐Week Go‐Live: Most clients complete onboarding, compliance integration, and first‐loan token listings within 14 days. We handle blockchain complexity, data migration, and user training—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 2–5% discounts off par.
Inefficient Syndication: Raising capital requires manual outreach and long negotiations—slowing scale and weakening pricing power.

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The Liquidity Fix — One Platform, Endless Possibilities

Cost & Friction	Old Way	Liquidity Way
Up‐Front Costs & Delays	High Legal & Admin Costs: ₹2–₹5 lakh per loan spent on documents, verifications, filings, and compliance—before any capital is recovered. Brokerage Discounts to Par: Selling to regional funds often means 2–5% below par, cutting into your returns.	Zero Listing Fees: Upload and tokenize your loan on EquityTable for ₹0—no upfront costs. Performance-Based Pricing: Pay just a 3% success fee—only when tokens sell—keeping 97% of proceeds in your hands. Built-In Compliance: Automated KYC/AML and document checks cut legal expenses by over 70%.
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.	40% Faster Capital Return: Tokenized loans convert to capital in days—unlocking funds to reinvest sooner. 24/7 Secondary Trading: Trade tokens anytime on our global marketplace with instant, on-chain settlement for real liquidity.
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.	5–7 Year Lock-Up: Capital stays tied up until ful Interest in equipment-backed tokens has tripled in the past year on our platform.l loan maturity—no early exit options. Global Verified Network: RIAs, family offices, institutions, and retail investors actively compete for yield—boosting pricing and demand.
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: Track loan performance, collateral updates, and investor payouts live on EquityTable’s dashboard. Immutable Audit Trail: Every transaction is recorded on-chain—ensuring full auditability and regulatory readiness anytime.

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, token sales return capital within days—creating a perpetual reinvestment cycle.

Real‐World Example: A ₹5 crore construction equipment loan was tokenized and sold 80 % within 48 hours, enabling the lender to underwrite two additional loans in the same week—accelerating origination capacity by 150 %.

Broaden Your Buyer Universe: Access a diverse global network of RIAs, private wealth managers, family offices, and retail participants actively seeking equipment‐backed yields.

Competitive Pricing: When multiple investors bid on limited tokens, you often see final token pricing 2–4 % above par—capturing premium value that would traditionally be lost in off‐market syndications

Real‐Time Performance Tracking: Monitor each tokenized loan’s principal balance, accrued interest, collateral reappraisal, and payment history in one dashboard—no more scrambling to consolidate spreadsheets during audits.

Immutable On‐Chain Records: Every token transfer, investor distribution, and collateral event is recorded on‐chain, providing a tamper‐proof audit trail for regulators and stakeholders.

Plug‐and‐Play APIs: Integrate Liquidity’s tokenization engine with your existing loan origination system in under 48 hours. Data mapping and compliance checks occur in parallel to your pre‐existing workflows.

Dedicated Onboarding Team: Our specialists handle data migration, AML/KYC setup, and issuer training—ensuring your first loan tokens go live in approximately two weeks, with zero disruption to your current lending pipeline.

Investor Engagement Insights: Track which investor segments are most active—view bid sizes, price tolerance, and trading volumes. Use these insights to structure future token tranches for maximal demand.

Data‐Driven Reinvestment: Dashboard‐driven recommendations highlight underutilized capital pools or suggest optimal coupon adjustments, helping you maximize portfolio yield and minimize idle funds.

Experience Our Platform Firsthand: New issuers who sign up and list within the first 30 days receive a ₹800 ($10) LQDTY token allocation—enabling you to explore all platform features, from analytics to secondary trading, at no cost.

Incentivized Early Adoption: This token bonus can be reinvested into marketing, promotional efforts, or held as part of your treasury—giving issuers a tangible, immediate benefit on Day One.

Send Me the Equipment Loan Tokenization PDF

Liquidity Stats

40 %

3×

100 %

Weeks

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DISCLAIMER: Securities on this platform are offered by ARQ Securities (“ARQ”), a FINRA member broker-dealer and operator the ARQ Securities/ATS. ARQ is a wholly owned subsidiary of Satschel Inc. liquidity.io is a wholly owned subsidiary of Satschel Inc. and provides services to this Platform. By using the Site, you are subject to ARQ Securities Terms of Service and to our 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.

ARQ Securities is a member of FINRA and SIPC.

ARQ Securities Contact:
Eric Choi
Tel: +1 (406) 405-0873
Address: 350 Sugarbowl Cir., Whitefish, MT