Finance the equipment that runs your business.

This is the core decision, and the right answer depends on your tax position, cash flow, and how long you'll keep the asset. A lease usually means little or nothing down — you make fixed payments to use the equipment, often with a buyout option (a nominal $1 figure or fair market value) at the end of term. That preserves upfront capital and can keep the asset off your balance sheet. An equipment loan is different: you own the asset from day one, you build equity as you pay it down, and you keep the residual value when the term ends.

The tradeoff is upfront cost versus ownership. Leasing protects cash flow now; a loan typically costs less over the equipment's full life and leaves you with a paid-off asset. The tax treatment differs too — lease payments and loan interest plus depreciation are handled differently on your return. Talk to your accountant about which structure suits your numbers, and we'll model both side by side so the decision is grounded in real figures.

Because the equipment itself secures the financing. The asset you're buying serves as the collateral, which lowers the lender's risk and changes how your application is assessed. When a lender knows it can recover value from the machine, vehicle, or system if something goes wrong, approvals tend to move faster and the bar is more forgiving than for unsecured credit.

That structure also opens the door to newer businesses. A company without years of financial history can still qualify when the asset backing the deal holds clear resale value. Lenders match the term to the equipment's useful life — financing a long-lived industrial press over a longer period, a quickly depreciating piece of technology over a shorter one. That alignment keeps your payments sensible relative to how long the asset actually earns for you, and it's a key reason equipment financing is one of the more accessible forms of commercial credit. We structure each file so the term, the asset, and your cash flow line up.

Almost any business-critical asset with a serial number and a resale market. We arrange financing across every major category: vehicles and fleet (trucks, vans, trailers, specialty commercial vehicles), construction and heavy equipment (excavators, skid steers, loaders), and manufacturing machinery (CNC equipment, presses, packaging and production lines).

It extends well beyond that. Medical and dental practices finance imaging systems, chairs, and lab equipment; restaurants fund kitchen build-outs, refrigeration, and POS systems; technology and IT operations finance servers, networking, and hardware-software bundles; and agricultural producers finance tractors, harvesters, and implements. Both new and used equipment qualify — new is generally simpler to approve, while well-documented used equipment is straightforward with a current appraisal to confirm value. If the asset is essential to running your business and holds market value, there is almost always a lender for it. Tell us what you're buying and we'll identify the right source.

Yes. The Canada Small Business Financing Program (CSBFP) is a federal risk-sharing initiative designed specifically to help small businesses access financing they might not otherwise obtain. Under the program, the government shares the lending risk with the financial institution, which makes lenders more willing to approve equipment purchases for smaller and younger companies.

The CSBFP can be used to finance equipment as well as leasehold improvements — the build-outs and fixed upgrades to a leased commercial space that many businesses need alongside their machinery. General eligibility centres on for-profit small businesses operating in Canada under a defined annual revenue cap, with the financing tied to qualifying asset purchases rather than working capital. Program parameters, maximum amounts, and terms are set federally and can change, so eligibility is confirmed at application. As a commercial brokerage, we'll tell you whether CSBFP fits your purchase and help you package the file correctly for a participating lender.

A single bank shows you one set of programs. As an independent commercial desk with access to more than 50 lenders, we put your equipment purchase in front of the right source — whether that's a major bank, a specialty equipment lessor that lives and breathes a particular asset class, or a private lender for files that fall outside conventional boxes. Specialty lessors in particular often understand your equipment better and price it more sharply than a generalist bank ever would.

There's a strategic advantage too. Financing equipment against the asset itself preserves your operating line of credit for what it's meant to do — payroll, inventory, and day-to-day working capital — instead of consuming it on a capital purchase. That separation keeps your business liquid and flexible. We're FSRA-licensed (#13737), we disclose our fees up front, and we serve clients in over 50 languages, so you understand every term before you sign.