FAQ

1. What is HeavyXchange?

HeavyXchange is an online marketplace designed to connect distressed commercial equipment owners with qualified buyers. We specialize in coordinating lender-approved loan and lease assumption transfers, helping both sides achieve a smooth, fair transaction.

2. Are you a dealership?

No. HeavyXchange is not a dealership.
We do not buy equipment, take possession, store inventory, or negotiate pricing on behalf of a seller.

We are strictly a listing platform and consulting service that helps:

  • Sellers list their equipment

  • Buyers discover available units

  • Both parties navigate lender requirements for assumption

All ownership, titles, payments, and possession remain strictly between the buyer, seller, and lender.

3. Do you handle equipment title work or documentation?

No. HeavyXchange does not process title transfers, registrations, or lien releases.
Those items are managed directly between the buyer, seller, and the lender or leasing company.
We simply help facilitate communication and the assumption approval process.

4. How long does a listing last?

Each listing runs for 4 weeks and includes up to 10 photos, all for a flat listing fee of $99.00.

5. What is the assumption success fee?

If a buyer successfully assumes the existing commercial loan or lease, HeavyXchange will invoice either the buyer or seller (as agreed) a $995.00 Assumption Closing Fee.
This fee is only due upon a completed and lender-approved assumption.

6. Who negotiates with the lender?

Our team handles the communication and negotiation with the lender to help secure approval for a loan/lease assumption.
We use our 15 years of industry expertise and experience funding over $3.5 billion in commercial loans to help streamline the process.

7. Who is responsible for inspecting the equipment?

Buyers are responsible for arranging their own inspection or sending a third-party inspector.
HeavyXchange does not inspect or verify equipment condition.

8. Does HeavyXchange offer financing?

HeavyXchange does not directly fund new loans.
However, thanks to our industry background, we may be able to guide buyers toward financing alternatives if an assumption is not possible.

9. What types of equipment can be listed?

Any commercial or income-producing equipment, including but not limited to:

  • Construction machinery

  • Heavy trucks

  • Agricultural equipment

  • Material handling

  • Specialty equipment

If it has a commercial loan or lease tied to it, we can help.

10. Do you verify buyers?

Yes. Buyers must provide basic financial information or proof of ability to assume the loan/lease before final negotiations begin.
This protects sellers from wasting time with unqualified inquiries.

11. Is the seller allowed to sell to someone else during the listing?

Yes. Sellers maintain full ownership and control of their equipment.
If they sell outside of HeavyXchange, they may cancel the listing at any time—no cancellation fee.

12. How does communication work?

We keep the process transparent. Sellers and buyers can communicate directly, and we facilitate lender-related steps when needed.