For business equipment · segment

The machine paying for itself is idle equity.

A working machine, a small fleet, or a piece of capital equipment usually carries a wide gap between its appraised value and the loan already secured against it. Plinth turns that gap into continuous on-chain liquidity — without selling the equipment, interrupting operations, or layering on a second lien against the business.

Worked example · business equipment
Worked example · business equipment
Asset value (equipment appraisal)240,000Existing equipment loan / lease−60,000Realizable equity=180,000→ 1,800 PL/EQminted 1:1 against equityStatusAPPRAISEDYield routeDeFi LENDINGv1.0
Mock
Yield and 80% LTV are placeholders for illustration. Issuance follows the position’s real, appraisal-derived equity.
How it works

Three steps from a working machine to a programmatic yield stream.

From an appraisal you can already name to a yield that keeps earning — the machine never leaves the floor, the field, or the road.

01

Connect the appraisal

An equipment appraisal — manufacturer, dealer, or auction-house valuation — establishes what the machine is worth on a working secondary market. Title and possession stay with you; Plinth does not take custody of the equipment.

02

Size the advance against the gap

Plinth sizes a fixed, non-recourse liquidity advance against the equity above the existing equipment loan, capital lease, or floorplan and issues PL/EQ tokens one-for-one against the size of that advance. The advance is not a refinance; no new debt is layered on the machine.

03

Deploy disclosed yield

The advance is deployed into approved external venues producing disclosed yield. The capital provider receives their share from that deployment — never from owner payments, appreciation, or sale proceeds. Yield cycles continuously, not as a one-off payout.

Qualifying assets

Presses, machine tools, fleets — title and existing loan stay put.

The protocol accepts a broad range of working equipment. The narrow part of the process is the appraisal; once a credible manufacturer, dealer, or auction valuation is on file, the rest is the same equity-as-liquidity model.

  • Printers & presses

    Commercial digital presses, offset presses, large-format and packaging lines with a manufacturer or dealer-tracked secondary market.

  • Machine tools & fabrication

    CNC mills, lathes, laser tables, and fabrication cells used in job shops and small-batch manufacturing.

  • Agricultural equipment

    High-horsepower tractors, combines, sprayers, and specialty harvest gear with an active dealer and auction market.

  • Commercial kitchen & food service

    Restaurant and institutional kitchen lines, refrigeration, and packaging equipment with recognizable resale value.

  • Trucks & commercial vehicles

    Single-unit delivery trucks, refrigerated bodies, specialty haulers, and small working fleets with verifiable mileage and condition.

  • Medical & diagnostic equipment

    Imaging, lab, and point-of-care machines cleared for resale through manufacturer or specialist channels.

Title and the existing equipment loan stay where they are.

Title and possession stay with you — on the floor, in the field, or on the road. Your existing lender, lessor, or floorplan holder keeps their position; Plinth takes a transparent on-chain claim on the equity above it. No new encumbrance, no refinance, no second lien against the business.

If you sell the equipment

A sale closes the existing Plinth position. The new owner does NOT inherit the advance.

A permitted sale or trade closes the existing Plinth position under defined redemption and settlement terms. Any new owner does not inherit the previous advance — they complete a separate eligibility review and receive new advance terms on the new ownership. Until that review is complete and the position is redeemed, the existing advance’s settlement terms apply.

Sale mechanics, notice timing, and the new-owner eligibility path are subject to final terms and counsel review.

Get started

Bring a machine. See the equity it carries.

The intake walks through the equipment, the existing loan or lease, and the appraisal path. You see the math before anything is signed or minted.

Start an intake

No forms before you’re ready. The intake is a single guided flow.