Equipment Financing
We connect Canadian businesses with equipment financing that fits. Construction, transportation, manufacturing—if it helps you make money, we can help you finance it.
We structure deals to get approved. Our lender network spans prime to specialty credit, ensuring options for most business profiles.
Most applications receive a decision within 24–48 hours. We handle lender coordination so you can focus on running your business.
We work with established Canadian equipment finance companies—institutions with the capital and expertise to serve your needs.
Canada Equipment Finance connects businesses with appropriate financing solutions. We maintain relationships with lenders across the credit spectrum—from prime institutional capital to specialty financiers.
Our role is to understand your requirements, present your application effectively, and guide you through to funding. No upfront fees. No obligation until you accept terms that work for you.
From heavy machinery to specialized tools—if it drives your business, we can help you finance it.
A clear path from inquiry to funding.
Quick application with your equipment and business details. Takes about 2 minutes.
We match your profile to appropriate lenders and secure competitive offers.
We present your options with clear terms. You pick what works best.
Complete documentation and receive funding—often within days.
Common questions about equipment financing in Canada.
Equipment financing allows businesses to acquire machinery, vehicles, and other business equipment without paying the full cost upfront. Instead, you make regular payments over a set term (typically 12 to 72 months) while using the equipment to generate revenue.
The equipment itself serves as collateral, which often means easier approval compared to unsecured business loans. At the end of the term, depending on the structure, you may own the equipment outright, have the option to purchase it, or return it.
Equipment Loan: You borrow money to purchase the equipment. You own it from day one, and the equipment serves as collateral. Once you've paid off the loan, you own the equipment free and clear.
Equipment Lease: The lender owns the equipment, and you pay to use it. At the end of the lease, you can typically purchase it for a residual amount, return it, or upgrade. Lower monthly payments, and payments are often fully tax-deductible as a business expense.
The best choice depends on your cash flow needs, tax situation, and whether you want to own the equipment long-term.
There's no single credit score requirement because we work with lenders across the credit spectrum. Generally:
Because equipment financing is secured by the equipment itself, lenders are often more flexible than with unsecured business loans.
Yes, though options are more limited for businesses under 2 years old. Some specialty lenders work with newer businesses, especially if you have:
Startups may face higher rates and may need to provide a personal guarantee.
Most applications receive an initial decision within 24–48 hours. The complete timeline:
For straightforward deals, funding can happen within a week.
Virtually any equipment that has resale value can be financed, including:
Both new and used equipment can be financed.
Many arrangements offer $0 down for qualified borrowers. However, a down payment (typically 10-20%) can:
Requirements vary by lender and your credit profile.
No. Canada Equipment Finance is a finance broker, not a lender. We don't provide financing directly or make credit decisions.
Our role is to connect your business with appropriate lenders from our network of Canadian equipment finance companies. We help package your application, match you with lenders suited to your profile, and coordinate the process.
This broker model benefits you because we can access multiple lenders and find options that fit—rather than being limited to a single institution's criteria.
See what you qualify for. No commitment, no fees, no credit impact.
