We assess the complete business picture — not just credit history.
Submit your lease application in under five minutes. Our Ontario underwriting team structures lease agreements based on your business profile, equipment type, and cash flow cycle. Most Ontario applicants receive a decision within 24–48 hours.
Use the equipment your Ontario business needs through fixed monthly lease payments without a large capital outlay. Under an operating lease, residual value at term end is retained by us — removing depreciation risk from your books. At lease end, return, upgrade to a newer model, or purchase at fair market value. Structured for equipment with active upgrade cycles or shorter useful lives.
Access your equipment through monthly lease payments and take ownership at the end of the lease term through a nominal purchase option. Finance That structures capital lease terms from 12 to 84 months with fixed payments that align to your budget and cash flow. Capital leases record the asset on your balance sheet and may qualify for Capital Cost Allowance (CCA) deductions — your accountant can advise on the applicable treatment.
Start with a structured lease and purchase your equipment at term end for $1. Common among GTA contractors and Southern Ontario manufacturers who want the cash flow flexibility of leasing with a defined path to ownership built into the agreement from day one.
If your Ontario business already owns equipment, a sale and leaseback arrangement unlocks the capital tied up in those assets. We purchase the equipment at fair market value and lease it back to you immediately — converting a fixed asset into working capital while your operations continue uninterrupted. A practical tool for balance sheet optimization and capital redeployment.
At the end of your current lease term, renew for updated equipment or a restructured lease that better fits your current operation. Ontario businesses use lease renewals to stay current on equipment technology and capabilities without re-entering a full purchase decision.
Ontario's construction, agriculture, and landscaping sectors operate on seasonal revenue cycles. Finance That structures skip-payment and seasonal lease schedules built around how Ontario businesses actually earn — aligning payment obligations to active revenue periods.
Finance That structures lease agreements across every major Ontario industry.
computers, servers, networking equipment, office furniture & More
Complete a short lease application from your phone, tablet, or desktop. No branch visits, no paper forms. We collect essential information about your business and the equipment you want to lease — including business structure, operating history, and equipment details. The process takes under five minutes.
Our underwriting team reviews your application — assessing your business profile, revenue history, and the equipment being leased. Most Ontario businesses receive a lease decision within 24–48 hours. We structure the lease terms, payment schedule, and end-of-term options internally and present them clearly before any agreement is executed.
Once lease documents are signed, we pay your vendor, dealer, or seller directly. Your equipment is delivered and activated. Your Ontario business moves forward on fixed monthly lease payments with no capital outlay required at delivery.
Ready to start? Most applications are processed and approved within 24-48 hours.
Equipment leasing provides advantages that go beyond simply acquiring assets.
Equipment leasing eliminates the need for large upfront capital expenditures. Instead of paying $50,000 to $500,000+ in cash for equipment, you make manageable monthly payments that align with your cash flow.
Finance That's network of commercial lenders provides credit decisions within 24-48 hours, and funding typically occurs within 1-3 business days after approval.
Equipment financing can be structured to match your business's revenue cycles and cash flow patterns. Options include seasonal payment schedules, deferred start dates, and custom payment arrangements that align with your operational calendar.
Equipment lease payments are generally fully deductible as operating expenses, providing immediate tax benefits rather than multi-year depreciation schedules.
Operating leases provide built-in upgrade paths that allow businesses to refresh equipment at the end of lease terms without the burden of selling or disposing of outdated assets.
Equipment financing is typically secured by the equipment itself, which means it doesn't consume your existing bank lines of credit or lines of credit. This preserves your borrowing capacity for other business needs.
