We offer lease-to-own equipment financing solutions for Canadian businesses purchasing equipment through private sale, dealerships, or auctions. On approved credit, options may include minimal or zero down payments, competitive rates, and seasonal payment structures to match your business cycle. Lease-to-own structures provide predictable payments and a clear path to ownership, with terms tailored to your business needs.

Our working capital solutions help businesses manage short-term cash-flow needs, such as inventory, payroll, repairs, and day-to-day expenses. Funding amounts range from $10,000 to $1 million, with a quick, simple online application and minimal approval requirements, making it easier to access capital without physical collateral or real estate.

Equipment refinancing allows businesses to access the equity in equipment they already own, turning existing assets into working capital. By refinancing equipment, businesses can access 50–70% of the equipment’s appraised value, improving cash flow, funding new opportunities, or covering operating expenses while continuing to use the equipment they rely on. We work with Canadian lenders to structure refinancing solutions with competitive terms based on your business needs.

Equipment purchased within the last 30 to 90 days may qualify for up to 100% of the original purchase price back, with some lenders extending that window up to six months. For equipment outside that window, businesses can typically access 50% to 80% of the original value. A sale leaseback allows businesses to unlock capital from equipment they already own by selling it to a lender and leasing it back for continued use, without disrupting operations since the equipment stays in service throughout the lease term. Sale leaseback financing can be used to improve cash flow, support growth, or cover operating expenses while spreading payments over time.

A business line of credit gives you ongoing access to revolving capital you can draw from whenever the need arises, whether that's bridging a slow season, covering operating costs, or seizing a growth opportunity. Unlike a term loan, you only pay interest on what you use, and as you repay, your credit becomes available again. It's a flexible, long-term financial tool built to grow alongside your business.