Acquire the equipment your business needs without tying up working capital. Finance That provides structured commercial equipment leasing programs designed to preserve balance sheet flexibility and support sustainable growth for Canadian businesses across every industry.
Fixed monthly lease payments. Lease terms aligned to equipment useful life. Equipment active and operational within days of lease execution.
Lease applications reviewed and structured within 24–48 hours, subject to credit and underwriting review.
Your business needs equipment to grow. Whether it’s construction machinery, commercial vehicles, medical devices, or industrial equipment, acquiring assets outright creates capital allocation pressure that constrains the rest of your operation.
Equipment purchases often require $50,000 to $500,000+ in immediate capital, leaving little buffer for payroll, inventory, or unexpected expenses.
Large upfront equipment costs rarely align with the revenue cycles those assets generate. Businesses acquire the asset today but realize the return over years, creating a structural cash flow mismatch.
Capital locked in owned equipment is capital unavailable for higher-return deployment — new contracts, inventory build-up, or market expansion.
Equipment leasing realigns the cost of access with the revenue that equipment generates, preserving capital for the decisions that drive growth.
Apply online in minutes. Our underwriting team reviews your business profile and structures lease terms aligned to your equipment, cash flow, and operational needs. Most decisions delivered within 24–48 hours.
Finance That provides commercial equipment leasing programs for Canadian businesses across all industries. We structure lease terms aligned with each asset’s useful life, with payment schedules customised to your operational and cash flow requirements.
We structure capital leases, operating leases, sale & leaseback arrangements, and lease-with-purchase-option programs. Each lease is structured around your equipment type, business profile, and end-of-term strategy — not a one-size-fits-all template.
Commercial equipment leases are secured by the leased asset itself, which means approval is driven by the asset's value and your business's operational profile, not existing collateral or credit lines.
Lease payment schedules can be structured as seasonal, deferred-start, step-up, or blended arrangements to match your revenue cycle. Soft costs including delivery, installation, and applicable taxes can often be incorporated into the lease amount.
We serve businesses across all Canadian provinces, with direct experience in the equipment leasing requirements of Ontario, Alberta, British Columbia, and Quebec.
Finance That provides four core lease structures. Our leasing specialists determine which option aligns with your equipment type, useful life, cash flow requirements, and long-term business strategy.
Build equity with a path to ownership
A capital lease is a lease-to-own structure where fixed monthly payments are made over the agreed term, with ownership transferring at end of term through a $1 buyout or nominal purchase option. Because the asset and corresponding obligation are recorded on the lessee’s balance sheet, the equipment is eligible for Capital Cost Allowance (CCA) deduction.
Best for: Construction equipment, manufacturing machinery, commercial vehicles, and assets with 7–10+ year productive lives.
Maximum flexibility with residual value managed by the lessor
An operating lease provides full operational use of equipment through structured lease payments, without ownership transfer at term end. The lessor retains the residual value of the asset at lease conclusion. Under ASPE, qualifying operating leases may be treated as off-balance sheet arrangements. At term end, options typically include equipment return, upgrade to a newer model, or lease renewal.
Best for: Technology equipment, diagnostic and medical devices, and any asset class subject to rapid advancement or functional obsolescence.
Convert owned equipment into working capital without disrupting operations
If your business holds equipment on its balance sheet, a sale & leaseback arrangement allows you to transfer ownership of that asset to the lessor at fair market value (FMV) while immediately leasing it back under a structured agreement. Operations continue without interruption. The transaction converts an illiquid fixed asset into deployable working capital.
Best for: Businesses with equity tied up in owned equipment, companies undergoing capital restructuring, or operations requiring immediate liquidity without asset disposal.
Strategic flexibility at end of term
A lease with purchase option provides operational use of equipment throughout the lease term with a defined right to purchase at end of term. Unlike a capital lease with a $1 buyout, the purchase price under this structure is typically set at FMV or a predetermined percentage of original cost, giving businesses the ability to evaluate equipment performance before committing to ownership.
Best for: Businesses evaluating equipment before long-term commitment, or those wanting to retain upgrade flexibility while keeping a purchase path available.
Not sure which structure fits your business? Our leasing specialists review your equipment type, business structure, and cash flow requirements to recommend the most appropriate lease solution.
Finance That structures lease agreements for virtually any commercial business asset new or used across all major Canadian industries.
Excavators, loaders, bulldozers, cranes, dump trucks, and More
semi-trucks, trailers, commercial delivery & More
computers, servers, networking equipment, office furniture & More
Finance That’s leasing process is structured for speed without sacrificing underwriting quality. Most lease applications are reviewed and structured within 24–48 hours.
Complete our secure online lease application with your business information and equipment details. We collect the information required for lease underwriting. The application takes under 5 minutes and does not constitute a commitment to any lease offer.
Our underwriting team conducts a review of your application. We structure a lease proposal that aligns payment terms, lease duration, and end-of-term options to your business profile. Lease approvals are subject to credit and underwriting review.
Once lease terms are accepted, agreements are prepared and executed electronically. We pay your equipment vendor directly. Equipment is delivered and operational within days of lease execution. Most transactions complete within 1–3 business days of document signing.
Ready to start? Apply online and receive your lease structure within 24–48 hours.
Equipment leasing provides advantages that go beyond simply acquiring assets.
Equipment leasing eliminates large upfront capital expenditures. Instead of committing $50,000 to $500,000+ to a single asset purchase, you make predictable fixed monthly lease payments that align with the revenue that equipment generates.
Operating leases may qualify for off-balance sheet treatment under ASPE. Capital leases record the asset and obligation on-balance sheet while enabling CCA deductions. The right structure depends on your accounting standards and business objectives — your accountant can advise on the appropriate treatment.
Under an operating lease, residual value risk at end of term is retained by the lessor. Your business uses the equipment through its productive life without exposure to declining asset values or the friction of disposal.
Lease payments are fixed and scheduled — providing accurate cash flow forecasting throughout the lease term. Seasonal, deferred-start, and step-payment structures are available for businesses with variable revenue cycles.
Operating leases provide structured upgrade options at term end, allowing businesses to refresh equipment, adopt newer technology, or return assets without the burden of resale.
Commercial equipment leases are secured by the leased asset itself. This preserves your existing capital structure and does not encumber other business assets or credit relationships.
Finance That structures lease agreements for virtually any commercial business equipment, including construction machinery, agriculture and oilfield equipment, forestry and mining assets, commercial vehicles, medical devices, manufacturing equipment, restaurant equipment, and technology systems. Both new and used equipment leasing is available.
Most businesses receive lease decisions within 24–48 hours of submitting a complete application, subject to credit and underwriting review. Once lease documents are executed, equipment is typically delivered and activated within 1–3 business days. Total time from application to active lease is generally under one week.
Lease approvals are based on a holistic review of your business — including operating history, revenue profile, industry type, and the value of the leased asset. Businesses with established revenue and operating history typically qualify for the broadest range of lease structures. Businesses with challenged credit may qualify with adjusted lease structures, down payment, or additional security. No approval is guaranteed.
Many approved businesses qualify for full lease coverage with no upfront payment required. Down payment requirements, if any, depend on the equipment type, business profile, and lease structure. This is confirmed during the underwriting review.
Yes. Used equipment leasing is available for assets acquired from dealers, auctions, or private sales. The equipment’s age, condition, type, and residual value influence available lease terms and structures.
End-of-term options vary by lease structure. Capital leases typically conclude with a $1 buyout or nominal purchase option. Operating leases generally offer equipment return, lease renewal, or upgrade to a newer model. Lease-with-purchase-option structures include a right to purchase at FMV or a predetermined price. All end-of-term options are defined in the lease agreement at signing.
Early buyout provisions vary by lease structure and term. In many cases, early buyout is possible subject to a prepayment calculation based on remaining payments and applicable charges. This should be reviewed with your leasing specialist before execution.
Lease rates are determined by the lease structure (capital vs. operating), term length, equipment type, residual value assumptions, and your business’s credit and financial profile. We do not publish standard rates as each lease is individually structured and quoted.
Lease terms typically range from 12 to 84 months, aligned to the equipment’s useful life. Technology equipment is commonly structured at 24–36 months. Heavy industrial and construction assets may support terms of 60–84 months. Terms are customized to your cash flow and operational requirements.
5-minute application · Lease decisions within 24–48 hours · Equipment delivered and activated fast
Finance That provides structured commercial equipment leasing programs for Canadian businesses — preserving working capital, managing residual risk, and aligning payment terms to the revenue your equipment generates. Apply online in under 5 minutes and receive your lease structure within 24–48 hours.
5-minute application – 24-48 hour approval – Fast funding
