Loan Collateral Appraisal

5.0from 80+ client reviews

Loan collateral appraisal services covering machinery and equipment, inventory, vehicles, and business assets, prepared to meet lender requirements. AppraiseItNow values collateral for SBA loans, asset-backed lending, and refinancing.

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DEFENSIBLE, USPAP-COMPLIANT APPRAISAL REPORTS โ€” QUALIFIED FOR LENDERS, BANKS, AND SURETY COMPANIES.

  • U.S. Small Business Administration
  • Chase
  • Bank of America
  • Wells Fargo
  • U.S. Bancorp
  • IRS

AppraiseItNow Appraises Personal Property, Vehicles, Boats, Equipment, and Inventory as Loan Collateral

Household Goods & Personal Property appraisal

01

Household Goods & Personal Property

  • Furniture & Furnishings
  • Antiques & Decorative Arts
  • Jewelry & Gemstones
  • Coins & Currency
  • Memorabilia & Collectibles
  • Firearms & Guns
Vehicles & Boats appraisal

02

Vehicles & Boats

Business Interests appraisal

03

Business Interests

  • Limited Liability Companies
  • S Corporations & C Corporations
  • Family Limited Partnerships
  • Minority & Fractional Interests
  • Privately Held Stock
Machinery & Equipment appraisal

04

Machinery & Equipment

  • Construction & Heavy Machinery
  • Agricultural & Farm Equipment
  • Manufacturing & Industrial Equipment
  • Medical & Scientific Equipment
  • Technology & IT Equipment
  • Tools & Small Equipment
Business Inventory appraisal

05

Business Inventory

  • Retail & Wholesale Stock
  • Raw Materials & Work in Process
  • Finished Goods
  • Excess & Obsolete Stock

The team behind your collateral appraisal

Between them, our appraisers hold ISA, CAGA, ASA, ABV, and CFA designations, and every report is written to USPAP for lenders, banks, and surety companies.

Joe Kattan

Joe Kattan

Owner & CEO

Joe founded AppraiseItNow to make a certified, USPAP-compliant appraisal as simple to order as anything else online. A former Bain & Company strategy consultant, Joe leads the entire team and specializes in strategy, growth, and the firm's tech capabilities.

Anne Hay

Anne Hay

Personal Property Appraiser

ISA Accredited Member with 30 years in the trade, from running estate sales and an auction gallery to appraising luxury apparel, furniture, artwork, antiques, and business assets, primarily for IRS tax filings.

Jason Dolph

Jason Dolph

Machinery & Equipment Appraiser

Third-generation auctioneer and CAGA Certified Appraiser with more than 20 years valuing machinery, equipment, vehicles, business assets, and estates for banks, attorneys, and trustees across the Carolinas.

Ashley Innes

Ashley Innes

Personal Property Appraiser

ISA Accredited Member specializing in Asian art, with a Master's from SOAS and a Postgraduate Diploma in Asian Art. Ashley chairs the ISA's Antiques, Furnishings, and Decorative Arts committee and appraises for charitable donation, insurance, and equitable distribution.

Marnie Erkelens

Marnie Erkelens

Vehicle Appraiser

CAGA Certified Appraiser since 2014, covering vehicles, boats, equipment, fine art, and collectibles. A classic-car restoration background informs her vehicle work, with reports prepared for insurance, divorce, and charitable contributions.

Justin Ramirez

Justin Ramirez

Business Valuation Expert & Appraiser

ASA, ABV, and CFA charterholder. Since 2016 Justin has valued businesses for estate and gift tax, purchase price allocations, fairness opinions, lending, and buy-sell agreements, across manufacturing, services, retail, and pre-revenue biotech.

Raymond Ghelardi

Raymond Ghelardi

Business Valuation Expert & Appraiser

Accredited Senior Appraiser with the American Society of Appraisers. Raymond values capital stock, business enterprises, stock options, and intangible assets.

Aron Blue

Aron Blue

Client Success Manager

Manages each engagement from the first enquiry to the delivered report, and keeps you posted at every step along the way.

  • USPAPWritten to the Uniform Standards of Professional Appraisal Practice
  • Fair market and liquidation valueThe collateral values lenders and surety companies underwrite against
  • International Society of AppraisersAccredited Member
  • Certified Appraisers Guild of AmericaCertified Appraiser
  • American Society of AppraisersAccredited Senior Appraiser
  • AICPAAccredited in Business Valuation
  • CFA InstituteChartered Financial Analyst
  • The Appraisal FoundationAuthorized by Congress as the source of appraisal standards

About AppraiseItNow's Loan Collateral Appraisal Services

A loan collateral appraisal is an independent, written valuation of property pledged as security for a loan. Lenders require these appraisals to confirm that collateral adequately supports the loan amount, and regulatory thresholds, such as the SBA 7(a) requirement for independent appraisals when financed amounts exceed $250,000, make compliant documentation essential. Depending on the lender and transaction, appraisers may determine fair market valueorderly liquidation value, or forced liquidation value to reflect what a lender could realistically recover if the borrower defaults.

AppraiseItNow delivers loan collateral appraisals online and onsite across the United States, covering personal property, equipment and machinery, business interests, boats, automobiles, and inventory. Our appraisers are independent, carry no financial interest in the transaction, and provide the certification of independence that banking regulators require. Our mission is to deliver defensible, USPAP-compliant valuations with exceptional speed, professionalism, and client service.

What Does AppraiseItNow Appraise for Loan Collateral?

AppraiseItNow covers every major asset class that lenders commonly accept as collateral, including:

  • Personal Property – jewelry, antiques, furniture, coins, collectibles, and household goods
  • Equipment & Machinery – medical equipment, restaurant equipment, manufacturing machinery, and technology assets
  • Business Interests – LLCs, S-corps, partnerships, fractional interests, and privately held stock
  • Boats & Watercraft – sailboats, powerboats, yachts, jet skis, and personal watercraft
  • Automobiles & Vehicles – cars, trucks, motorcycles, RVs, trailers, and classic vehicles
  • Inventory – retail inventory, wholesale stock, raw materials, and finished goods

Who Does AppraiseItNow Serve?

  • Borrowers pledging personal or business assets to secure commercial or private loans
  • Banks, credit unions, and SBA lenders requiring independent collateral valuations before loan approval
  • Business owners using equipment, inventory, or company interests as loan security
  • Asset-based lenders and finance companies underwriting loans against non-real-estate collateral
  • Attorneys and financial advisors coordinating collateral documentation for complex lending transactions

What clients say we are known for

AppraiseItNow Reviews: โ€œI highly recommend AppraiseItNow Incโ€

  1. Being the appraiser they come back toโ€œI highly recommend AppraiseItNow Incโ€ Anastasiia M.Mentioned in 44 reviews
  2. Answering fast, and staying reachable while the work runsMentioned in 34 reviews
  3. Showing the research and the comparables behind the numberMentioned in 29 reviews
  4. Delivering the finished report ahead of the deadlineโ€œWe received a truck appraisal for a title bond quickly and efficientlyโ€ Anastasiia M.Mentioned in 21 reviews
  5. Taking on items other appraisers had already turned downMentioned in 14 reviews

Across 80+ published AppraiseItNow reviews the picture is consistent: every one is from a client who paid us for an appraisal, and the three things they raise most often are that they would hire us again, how quickly we answer, and how much research is visible in the report.

  • Had a great experience working with AppraiseItNow for a potential loan our company was working on. I was very appreciative of the time they took to prepare the appraisal, plus the extra effort to advise us and explain the appraisal findings.
    David O., New York, NY ยท

    Inventory Appraisal for Loan Collateral

  • AppraiseItNow helped us appraise a very unique set of propulsion boats. Service was top notch and provided incredible value for the cost!
    Austin S., San Francisco, CA ยท

    Boat Appraisal for Loan Collateral

  • Very straightforward and efficient way to gain a quality certified boat appraisal. I will suggest AppraiseItNow to all my boating friends!
    Michael L., Wake Forest, NC ยท

    Boat Appraisal for Loan Collateral

  • Everyone I interacted with was kind, and they promptly complied with my urgent request.
    Alfredo V., Worcester, MA ยท

    Recreational Vehicle Appraisal for Loan Collateral

  • They appraised an older trailer for me that required a bonded title. They were great with communication and it only took about 2 weeks to get a very nice detailed appraisal report, which finding comps for older trailers is not straight forward. Highly recommend!
    Andrew K., Howell, MI ยท

    Trailer Appraisal for Title Bond

  • Excellent service! We received a truck appraisal for a title bond quickly and efficiently. Most importantly, the team was always available to answer our questions. I highly recommend AppraiseItNow Inc.
    Anastasiia M., Greer, SC ยท

    Auto Appraisal for Title Bond

Appraisals for Loan Collateral, Near You

AppraiseItNow offers online appraisals and onsite appraisals in all 50 states.

Loan Collateral appraisals in AlabamaLoan Collateral appraisals in AlaskaLoan Collateral appraisals in ArizonaLoan Collateral appraisals in ArkansasLoan Collateral appraisals in CaliforniaLoan Collateral appraisals in ColoradoLoan Collateral appraisals in ConnecticutLoan Collateral appraisals in DelawareLoan Collateral appraisals in FloridaLoan Collateral appraisals in GeorgiaLoan Collateral appraisals in HawaiiLoan Collateral appraisals in IdahoLoan Collateral appraisals in IllinoisLoan Collateral appraisals in IndianaLoan Collateral appraisals in IowaLoan Collateral appraisals in KansasLoan Collateral appraisals in KentuckyLoan Collateral appraisals in LouisianaLoan Collateral appraisals in MaineLoan Collateral appraisals in MarylandLoan Collateral appraisals in MassachusettsLoan Collateral appraisals in MichiganLoan Collateral appraisals in MinnesotaLoan Collateral appraisals in MississippiLoan Collateral appraisals in MissouriLoan Collateral appraisals in MontanaLoan Collateral appraisals in NebraskaLoan Collateral appraisals in NevadaLoan Collateral appraisals in New HampshireLoan Collateral appraisals in New JerseyLoan Collateral appraisals in New MexicoLoan Collateral appraisals in New YorkLoan Collateral appraisals in North CarolinaLoan Collateral appraisals in North DakotaLoan Collateral appraisals in OhioLoan Collateral appraisals in OklahomaLoan Collateral appraisals in OregonLoan Collateral appraisals in PennsylvaniaLoan Collateral appraisals in Rhode IslandLoan Collateral appraisals in South CarolinaLoan Collateral appraisals in South DakotaLoan Collateral appraisals in TennesseeLoan Collateral appraisals in TexasLoan Collateral appraisals in UtahLoan Collateral appraisals in VermontLoan Collateral appraisals in VirginiaLoan Collateral appraisals in WashingtonLoan Collateral appraisals in West VirginiaLoan Collateral appraisals in WisconsinLoan Collateral appraisals in Wyoming
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Featured Loan Collateral Appraisal Case Studies

See all case studies
Valuing a High-Mileage Semi Truck for Loan Collateral

Valuing a High-Mileage Semi Truck for Loan Collateral

March 25, 2026
A 2020 Volvo VNL with 692,000 miles, a missing seat and an active engine fault. The lender wanted a number that reflected the truck as it actually sat.
Loan CollateralAutoMichigan
Commercial Restaurant Equipment Valuation for Financing and Sale

Commercial Restaurant Equipment Valuation for Financing and Sale

August 25, 2025
An operating restaurant's installed kitchen, valued in place for a lender and a prospective buyer at the same time.
Fabrication Equipment Appraisal for Loan Collateral

Fabrication Equipment Appraisal for Loan Collateral

August 19, 2025
A shop's fabrication machinery, valued at both fair market and orderly liquidation for a Washington lender.

Frequently Asked Questions on Loan Collateral Appraisals

Does advancing new money on an existing loan require a new appraisal?

Yes. If new money is being advanced on an existing loan and there have been material changes in market conditions or the physical condition of the collateral, a new appraisal is required to confirm the asset still adequately secures the loan.

Can a lender reuse an existing appraisal?

In some cases, yes. An existing appraisal may be reused for secondary market transactions if the original report met applicable standards at the time of origination. For new lending decisions, however, lenders generally need a current appraisal that reflects present market conditions.

What standards does a loan collateral appraisal report need to meet?

A compliant report must include a written market value opinion that addresses highest and best use, current market conditions, the asset's physical condition, income capacity where relevant, and any applicable discounts for specialization or environmental liabilities. AppraiseItNow appraisals are structured to satisfy these requirements for lender underwriting and regulatory documentation.

Will the lender share the appraisal with me?

Lenders are generally required to provide applicants with copies of all appraisals and written valuations used in a credit decision. Under the Equal Credit Opportunity Act, delivery is typically required within three business days of a decision or closing.