Payment Swap MarketplacePayment swaps · assumptions · lease-to-own
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AccountSeller DashboardBuyer Dashboard
Fast search & filtersBrowse equipment like a storefront catalog
Secure checkoutCard payments handled by Stripe
Business-to-business onlyDeals stay between verified companies
For registered businesses—not consumer garage sales. Every deal stays between buyer and seller; our fees (and any optional escrow help) are shown before you pay. Questions about liens or loans belong with your attorney or lender.

About us

Equipment deals shouldn't dissolve into texts and missed voicemails

Turo made peer car swaps feel turnkey on your phone—we’re swinging for that same unmistakable fullness, except contractor turf: skid steers, dumps, fleets, installments, escrow when enabled, lien threads, inspectors, invoicing—all the heavyweight workflow cars never demanded, between verified businesses only.

Payment Swap Marketplace is built for crews, fleets, dealers, and owner-operators who already buy and sell serious iron—but want a searchable storefront, straightforward monthly math, and one threaded recordtied to each deal instead of juggling five inbox threads.

Mention of Turo is a familiar shorthand for peer marketplaces—we are independent and not endorsed by or affiliated with Turo Inc. or its marks.

Create your free business accountPreview the marketplace

Built to outperform generic peer apps in function

Consumer car-share apps stop at lightweight search. Contractor deals need heavier rails—here is what already ships (or is actively wired) in this codebase:

  • Searchers: marketplace query spans title, category, description, make, model, and city—not just a headline string.
  • Saved filters: repeat metro × category combos persist locally so dispatchers jump straight back into the aisle they care about.
  • Listers: structured economics (monthly, deposit, term, buyout) render as hero numbers on cards; each listing picks one of three swap lanes (lender-approved assumption, private payment takeover with seller on the note, or lease-to-own toward title) plus a titled-vs-serial verification path.
  • Admins: filterable verification queue, full listing preview (even before publish), agreement approvals, internal notes, and liquidity milestone feeds.
  • Buyers: dashboard surfaces applications, threaded comms, and installment checkout with retry paths—not a single static receipt screen.

Why the industry needed another lane

  • Search density: when categories are seeded regionally you can browse like a dealership shelf instead of shotgun Facebook posts.
  • Contracts + conversation together: lien questions, insurer notes, and inspection chatter stay anchored to each agreement—not lost in screenshots.
  • Payment discipline: optional installments, escrow-style collections for qualified sellers, and Stripe-backed checkout mean fewer “Venmo me later” dead ends—without pretending we’re your lender.
  • Business-only posture: every counterparty registers as part of an operating entity, aligning with heavier equipment realities.

How renting, leasing, or buying maps on the site

Sellers publish the economic story—deposit, headline monthly obligation, payoff/buyout (when applicable), geography, inspection notes—and we display it cleanly on listing cards before you ping them. Buyers choose what matches their playbook:

Rent-style workflows

You need uptime for a sprint of work—monthly occupancy with return or renewal spelled out upfront. Agreements center on timelines and predictable outflows versus surprise balloon fees.

Lease / structured installments

You want to walk toward equity or payoff over time—the classic deposit + amortized installments + optional buyout that banks already understand.

Buy / payoff bursts

You’re ready for a lump payoff or negotiated purchase after the installments satisfy contract language—still documented on-platform.

Every listing exposes the headline numbers—you’re never guessing whether something is strictly rental-ish vs ownership-bound.

Browse by swap lane

The marketplace filter rail matches how ops thinks about deals—jump straight into the paperwork flavor you’re hunting:

  • Lender-approved assumption / transfer
  • Private payment swap (seller stays on the loan)
  • Lease-to-own toward title / payoff

Setting up your business account

  1. Tap Create account in the top navigation—or use the golden button anywhere on marketing pages—and choose Buyer or Seller. Admins onboard separately.
  2. Confirm your email: we send verification through Supabase Auth (check spam). Until this completes, dashboards stay locked-down.
  3. Sellers outline equipment: from the Seller dashboard you mint listings, attach photos/videos, and submit for ops review prior to appearing publicly.
  4. Payout readiness: when you intend to collect through the platform rails, Stripe Connect onboarding unlocks ACH/card payouts without us storing PAN data.
  5. Buyers negotiate + pay: save threads, track agreements, trigger checkout flows once both sides feel comfortable.
See how fees stack before you publish →

How verification & review actually work

  • Business-only accounts: sign-up enforces company intent; consumer garage-sale volume isn’t the target.
  • Listing review: new or flagged listings pass through internal ops for obvious fraud, unsafe claims, or missing disclosures before they flip to public.
  • Identity & payout checks: Stripe handles KYC/identity for Connect-enabled sellers so we’re not custodians of their banking credentials.
  • Paper trail by design: messaging, admin notes, and payment events stay attached to records so everyone can reconstruct the deal later.

We’re facilitators, not regulators—liens, titles, permits, and loans still belong to your counsel, lender, and DOT partners.

End-to-end in plain English

  1. Browse searchable inventory with geography + category cues.
  2. Engage sellers through guarded threads capturing inspections, lien chatter, insurer docs.
  3. Ops blesses contractual packages when escalation required.
  4. Checkout + installments obey the rules baked into Stripe when live.
  5. Distributions reconcile to onboarding status for each seller wallet.
Compare with the abbreviated timeline on the home page →

What mature lease-transfer sites get right

Sites like Swapalease and LeaseTrader center credit screening, lessor approval steps, transfer-fee clarity, and realistic timing expectations. We mirror that structure so equipment swaps feel operationally honest from day one.

Transfer playbook

Strong marketplaces in auto lease transfers all emphasize the same point: lender/lessor approval decides final transfer viability. Our swap lanes mirror that discipline for equipment.

  1. Buyer pre-qualifies (business + credit profile for the lender/lessor).
  2. Seller and buyer align on who pays transfer/application fees.
  3. Lender/lessor reviews eligibility and approves transfer path.
  4. Insurance and handoff packet are finalized before possession.
  5. Confirmation is issued and ongoing payment milestones are tracked.

Before you commit

  • Some contracts block out-of-state transfers or late-term transfers.
  • Platform listings can be accurate and still fail lender approval.
  • Transfer and screening fees vary by lender and are not always refundable.

Start now

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Payment Swap Marketplace

Find equipment with clear monthly terms; pay securely when you're ready. Business counterparties only.

Get to know us

  • Overview
  • About us & verification
  • Pricing & fees
  • How it works
  • Legal & responsibilities

Shop

  • All inventory
  • skid steers
  • dump & equipment trailers
  • mini excavators
  • dump trucks
  • Swap lanes
  • Assumption
  • Payment takeover
  • Lease-to-own

Your account

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