Does your business need funding?
Business loansLines of creditEquipment leasing
We work with a network of 10+ commercial lenders, so we can place your file with the program that actually fits it — including files a bank has already turned down. You deal with one team from first call through to funded.
Decisions within 24 hours. Funding in as little as 2 business days.
Restaurant financing
Fast restaurant funding, often within 24 hours
One short application, a decision within 24 hours, and unsecured funding in as little as two business days — not the weeks a bank can take. We work with a network of 10+ commercial lenders, so a restaurant a bank has turned down still has real options.
Our rates
The equipment that grows your business, paid for monthly.
A financed asset earns for you while you pay it down — and the interest is a deductible business expense. Here is where our rates start.
All rates shown are “rates from”. Not every applicant will qualify for the starting rate — the rate offered depends on the applicant, the asset and the program.
Why businesses come to us instead
Your bank wants three years of financials. We want to see your business.
Our commercial lenders underwrite on your business revenue and banking stability — which is why a file your bank declines can still move here.
Decisions within 24 hours. Unsecured funding in your account within 2 business days.
For eligible applications. The lender makes the decision and sets the terms — our job is to get your application in front of the right one.
No impact on your personal credit
Commercial funding is set up under your business. It does not appear as a monthly trade line on your personal credit file, so adding equipment doesn't count against your personal borrowing.
No financial statements required
We do not need financial statements at all to qualify. No three years of year-ends, no accountant's package to assemble.
No home collateral
You are not putting your house on the line. No real estate security is required to qualify.
Approvals within 24 hours
Decisions come back within 24 hours, with unsecured loan funding in your bank account within 2 business days.
What a traditional bank branch asks of you
A minimum personal credit score to be considered
Three years of financial statements, every time
Home collateral or real estate security
Review that can run for weeks before a decision
What our commercial lenders ask for instead
No impact on your personal credit
Commercial funding is set up under your business. It does not appear as a monthly trade line on your personal credit file, so adding equipment doesn't count against your personal borrowing.
No financial statements required
We do not need financial statements at all to qualify. No three years of year-ends, no accountant's package to assemble.
No home collateral
You are not putting your house on the line. No real estate security is required to qualify.
Approvals within 24 hours
Decisions come back within 24 hours, with unsecured loan funding in your bank account within 2 business days.
The lender makes the decision and sets the terms — our job is to get your application in front of the right one.
Financing solutions
Four ways we can fund your business.
Most business owners only ever see what their own bank or dealership offers. We work with a network of 10+ commercial lenders, so we can look at your requirements across multiple programs and structure the application properly.
Equipment Leasing & Financing
Finance machinery and commercial equipment through eligible programs — excavators, skid steers, loaders, telehandlers, cranes, forklifts, HVAC and restaurant equipment.
Equipment Refinancing
Unlock capital tied up in equipment you already own while continuing to use it under an approved financing structure.
Unsecured Business Loans
Financing without pledging real estate or traditional collateral under qualifying unsecured programs.
Business Lines of Credit
Revolving working capital for operating expenses, inventory, seasonal cash flow and growth.
Buying from a dealership, private seller or auction?
Equipment and vehicle financing covers all three. Eligible programs can look at trucks older than 2017 and over 190,000 kilometres that many dealership retail programs will not touch, and can arrange conditional pre-approval before you bid at auction.
Why businesses choose CBB
You need funding. We handle everything.
Apply at your bank and you get that bank’s answer. Apply at a dealership and you get their captive lender’s answer. Neither can offer you anything else — so a no is final.
We are not tied to either. We work with a network of 10+ commercial lenders across equipment, trucks, working capital and US programs, so we can read your situation, work out which program actually fits it, and put the application in front of the lender most likely to say yes. When one program declines, we are not out of options — we are on to the next one.
How it works
From application to funding,
one team runs the whole thing.
You are not handed a form and left to chase it. Here is what actually happens once you get in touch.
- Step 01
Tell us what you need
Send us the basics — the equipment, vehicle or capital you need and roughly what it costs. A few minutes, not an application.
- Step 02
We match you to the right lender
We review your situation and introduce your application to the commercial lenders whose programs actually fit it — not every lender we can find.
- Step 03
You get a decision
Eligible applications can get an approval decision within 24 hours. We tell you the terms in plain language before you commit.
- Step 04
You get funded
We handle the paperwork and coordinate the lender through to funding, so you can get on with running the business.
The part most people don’t know
No impact on your personal credit.
Commercial equipment funding is set up under your business. A truck or a skid steer financed this way does not show up as a monthly trade line on your personal credit file — which means adding assets doesn’t count against your personal borrowing.
That is what lets a business finance a second, fifth or tenth piece of equipment over time without it standing in the way of personal credit or a mortgage later. With a dealership or a bank, the funding usually goes onto your personal credit instead.
No financial statements required to qualify. No minimum personal credit score, and no home collateral.
Start your applicationOne team, from first call to funded.
Traditional bank vs. CBB
A bank underwrites the paperwork. We underwrite the business.
When a business needs capital or equipment, it usually needs an answer now — not in a few weeks. A traditional bank branch is built around financial statements, collateral and personal credit, and its review process can run for weeks. If your situation doesn't fit that mould, the conversation often ends there.
24 hours
for an approval decision
So you can move on a truck, a machine or a contract before the opportunity passes.
Under 5 years
in business? Still eligible
Newer businesses and first-time borrowers are a core part of what we fund — programs assess revenue and banking stability as the credit basis.
10+
commercial lenders
A decline from one program is not a decline from all of them. We keep looking.
$15,000+
financing available
Across equipment, vehicles, working capital and refinancing, subject to approval.
A traditional bank branch
Working with CBB
- Underwrites on financial statements, collateral and personal creditUnderwrites on your business revenue and banking stability
- Typically looks for an established trading history and net worthNo financial statements required to qualify
- May require a minimum personal credit score or home collateralNo minimum personal credit score, and no home collateral
- One program suite — no alternatives if you don't fitAccess to a network of 10+ commercial lenders
- Review can take weeks from application to decisionApprovals within 24 hours for eligible applications
- You complete the application and chase the processWe prepare and submit the application on your behalf
- Decline usually ends the conversationWe look for another program if the first doesn't fit
Every commercial lending program sets its own criteria, so we place your file with the one most likely to approve it — and work it through from submission to funding.
Pickup trucks & equipment
Finance the equipment your business needs.Finance the
equipment your
business needs.
We help businesses finance new and used commercial equipment through eligible programs. Purchases may come from dealers, private sellers or auctions, depending on the program.
The truck a dealership couldn't finance doesn't necessarily mean your business can't finance it.
Eligible pickup and commercial truck programs can consider far more vehicles than a dealership retail program will, including older trucks and higher kilometres — vehicles older than 2017 with more than 190,000 kilometres may be considered, subject to the program, the vehicle and the applicant.
What we finance
If it earns for your business, we will lease it.
Tap a category to see the kinds of assets our lenders work with.
What we finance
Pickup trucks & work trucks
The truck a dealership turned away is the truck we finance.
Dealerships finance through retail lenders with fixed program rules. When a truck falls outside those rules on age or kilometres, the answer is usually no — and that is the end of it.
We work with commercial lenders whose programs are built differently. We can look at trucks older than 2017 and with more than 190,000 kilometres — the range retail financing typically will not touch.
Dealership retail finance
CBB commercial programs
Fixed year and kilometre limits set by the retail program
Trucks older than 2017 and over 190,000 km can be considered
Outside the rules usually means an outright decline
Business revenue and banking stability set the credit basis
One lender, one program, one decision
A network of 10+ commercial lenders to place the file with
The lender decides, and older or higher-kilometre vehicles are considered on their merits — the program, the vehicle and the applicant all factor in, and not every truck will qualify.
Business financing
Working capital, without the real estate.
Qualifying programs may focus on your business revenue, banking history, cash flow and operating stability — rather than relying exclusively on personal credit or real estate collateral.
Financing without pledging real estate or traditional collateral under qualifying unsecured programs.
Revolving working capital for operating expenses, inventory, seasonal cash flow and growth.
The ranges shown represent the advertised financing amounts available through applicable programs, subject to lender approval, eligibility and transaction requirements. All rates are shown as “rates from” — not every applicant will qualify for the starting rate.
Funding for US businesses
We fund American businesses too.
Unsecured business loans and revolving business lines of credit for businesses across the United States. Qualifying programs assess your revenue and banking history rather than asking you to pledge real estate or traditional collateral.
US unsecured business loans
A set amount advanced up front, repaid on a schedule. No pledge of real estate or traditional collateral under qualifying programs.
7.99%Rates from
US business lines of credit
An approved limit you draw against, repay and draw against again — paying only on the balance you actually use.
0.99%Rates from, per month
US funding is subject to lender approval, eligibility and transaction requirements. All rates are shown as “rates from” — not every applicant will qualify for the starting rate.
Financing calculators
See the numbers before you apply.
Explore financing amounts, repayment terms and illustrative costs without submitting an application first. Change any input and the estimate updates immediately.
Every estimate is illustrative. Actual rates and approved amounts are determined by the lender and program.
Equipment Leasing & Financing Calculator
$15,000–$250,000 · Rates from 9.99%
Longer and shorter repayment terms are available. Final terms are set by the lender and the specific financing program.
Your estimate
Illustrative only — your rate and approved amount depend on the program, the vehicle and the applicant. Full disclosure
Selling your equipment
We sell your machine. You keep it until we do.
No auctioneer, no reserve, and no being legally forced to sell a $32,000 machine for $25,000. We list it across every major Canadian marketplace, handle every inquiry ourselves, and work to a realistic retail value.
$499
Listing fee
2.5%
Commission on sale
90 days
Target window
$499 to list your machine everywhere. 2.5% when it sells — so the closer we get to retail value, the more we make. We never sell below the price you agree to, and you keep possession the entire time.
Auction vs. selling with us
The price, the reach and who does the work.
| Auction | Selling with us | |
|---|---|---|
| Your price | No reserve — legally obligated to sell at whatever it bids | We never sell below the price you agree to |
| Exposure | One afternoon in one room | Every major Canadian marketplace, for 90 days |
| Buyer inquiries | You handle them all, or nobody does | We answer and qualify every one |
| Cost | Auction fee plus transport, whether it sells well or not | $499 to list, plus 2.5% of the final selling price |
Auction terms, fees and transport charges vary and are set by the auction house. This describes how the two methods differ — it is not a promise of a sale or a saving.
For vendors & dealers
We have the lenders your business doesn't have. You keep the customer and the profits.
We work directly with commercial equipment and vehicle vendors to help customers access financing. You keep the customer relationship and the sale — no vendor submission fee, and we don't take a share of your equipment gross profit.
Broker opportunities
Build a career in commercial business financing.
We provide the financing infrastructure, lender relationships, application support and transaction coordination. You focus on identifying business owners with genuine financing needs and building relationships.
Income is performance-based and is not guaranteed.
Broker Opportunities
Follow CBB Group
Financing updates, new inventory and equipment news.
Follow along for the vehicles and equipment we are financing, plus what is moving through the market right now.
Testimonials
Businesses choose CBB Group
From commercial trucks and heavy equipment to unsecured business financing, CBB Group helps business owners access financing options beyond traditional banking and dealership programs.
My experience with CBB couldn't have been better! Mike was a pleasure to deal with, so friendly, helpful and efficient. Such a nice break from dealing with banks and their limitations. The weekly payments based on your business performance makes it so easy. CBB works with you to find a solution that will work best for you and your business... I definitely recommend and will continue to work with them in the future!
Mike was great to deal with. He explained everything clearly and made the whole process a lot less stressful than dealing with the bank. Appreciate the help!
David was very helpful and always got back to me when I had questions. We were looking at financing for a truck and he made the process straightforward. Would definitely recommend.
Really good experience. Jennifer was friendly, professional and easy to work with. She helped us understand our options and kept things moving. Thanks again!
Mike was awesome to deal with. Banks weren't giving us much direction, and he took the time to go over our situation and explain the options. Much appreciated.
Very happy with the service. Bill was helpful and honest with us about the process. Communication was good and everything was explained in a way that made sense. I'd recommend giving them a call.
Mike made things easy. We needed financing for our business and didn't want to spend weeks going back and forth with a bank. He was quick to answer our questions and helped us through the application.
Jennifer was great! Very personable and professional. She explained what information was needed and made the whole experience feel manageable. Thanks for all the help.
We had a good experience working with David. Equipment financing can be a headache, but he helped us understand the process and what our options were. Good communication throughout.
Mike was excellent. Straightforward, easy to talk to and very responsive. It's nice to deal with someone who understands business owners instead of just giving you the usual bank answer.
Great service and very easy to deal with. Bill answered all our questions and helped us figure out the next steps. I'd definitely contact them again if we need financing.
Jennifer was a pleasure to work with. She was organized, helpful and kept us informed. The process was much easier to understand than what we'd experienced elsewhere.
Mike was friendly and efficient. We had questions about financing for our business, and he took the time to explain everything. No pressure, just helpful information. Would recommend.
David was great to work with. He understood what we were looking for and helped us work through the options. Communication was excellent.
Good experience overall. Bill was professional and easy to get ahold of. We appreciated having someone walk us through the financing process rather than trying to figure everything out ourselves.
Mike was fantastic. He made everything clear and was quick to answer when we had questions. Definitely a better experience than the runaround we'd been getting elsewhere.
Jennifer was very helpful and professional. She took the time to understand our business and explain the process. Really appreciated the straightforward approach.
I dealt with Mike and had a great experience. He was friendly, knowledgeable and made everything simple. Would happily recommend him to other business owners.
Bill was easy to deal with and very helpful throughout the process. We wanted to explore our financing options, and he explained everything clearly. Good service!
Mike was great to work with. He was patient with all my questions and made sure I understood what was required. It's nice to have someone actually take the time to help.
David was professional and responsive. The process was straightforward, and he kept us updated along the way. Happy with the service we received.
We had a positive experience with Jennifer. She was easy to communicate with and helped us understand the options for our business. Would definitely recommend.
Mike was excellent to deal with. We were looking into equipment financing and he made the process easy to follow. Very helpful and professional from the beginning.
Bill was great. Friendly, knowledgeable and no unnecessary runaround. He helped us understand what was involved and answered our questions promptly.
Mike helped us work through our financing options and made everything pretty straightforward. Good communication and easy to deal with. Thanks!
Jennifer was wonderful to work with. She was patient, professional and explained things in plain English. The whole experience was much less intimidating than dealing with a bank.
Really appreciate David's help. He was responsive and made sure we understood what was needed throughout the process. I'd recommend reaching out to him.
Mike was very helpful and easy to talk to. We had a few questions about business financing, and he explained the process without making it complicated. Great experience.
Bill was professional and straightforward. He took the time to go over our situation and explain the next steps. Exactly what you want when you're trying to sort out business financing.
Jennifer was a pleasure to deal with. She was friendly, helpful and kept communication clear. Everything was handled professionally, and I appreciate the assistance.
Mike was great. He answered my questions, explained the process and helped us understand what options were available. Would definitely work with him again.
Good experience with David. He was helpful and easy to reach when we needed clarification. The process was well explained and we appreciated the support.
Mike was awesome. Very easy to work with and always willing to answer questions. Financing can be frustrating, so having someone help you through it makes a difference.
Jennifer was professional and knowledgeable. She helped us understand the financing process and made sure we knew what information was required. I would recommend her.
Bill was easy to deal with and made the process straightforward. We appreciated the honest communication and the time he took to answer our questions.
Mike was friendly, helpful and efficient. He made everything easy to understand and was quick to respond. Really happy with the service.
David was great to work with. He understood what we were trying to accomplish and helped us navigate the process. Very professional and good communication.
Jennifer made the whole experience much easier than I expected. She was approachable, answered all our questions and kept things moving. I'd definitely recommend her.
Mike was excellent from start to finish. We were exploring financing for our business and he explained everything clearly. No wasted time, just good communication and helpful service.
Bill was very helpful and professional. He took the time to explain the process and answer our questions. It's refreshing to deal with someone who makes business financing easier to understand.
My experience with CBB couldn't have been better! Mike was a pleasure to deal with, so friendly, helpful and efficient. Such a nice break from dealing with banks and their limitations. The weekly payments based on your business performance makes it so easy. CBB works with you to find a solution that will work best for you and your business... I definitely recommend and will continue to work with them in the future!
Mike was great to deal with. He explained everything clearly and made the whole process a lot less stressful than dealing with the bank. Appreciate the help!
David was very helpful and always got back to me when I had questions. We were looking at financing for a truck and he made the process straightforward. Would definitely recommend.
Really good experience. Jennifer was friendly, professional and easy to work with. She helped us understand our options and kept things moving. Thanks again!
Mike was awesome to deal with. Banks weren't giving us much direction, and he took the time to go over our situation and explain the options. Much appreciated.
Very happy with the service. Bill was helpful and honest with us about the process. Communication was good and everything was explained in a way that made sense. I'd recommend giving them a call.
Mike made things easy. We needed financing for our business and didn't want to spend weeks going back and forth with a bank. He was quick to answer our questions and helped us through the application.
Jennifer was great! Very personable and professional. She explained what information was needed and made the whole experience feel manageable. Thanks for all the help.
We had a good experience working with David. Equipment financing can be a headache, but he helped us understand the process and what our options were. Good communication throughout.
Mike was excellent. Straightforward, easy to talk to and very responsive. It's nice to deal with someone who understands business owners instead of just giving you the usual bank answer.
Great service and very easy to deal with. Bill answered all our questions and helped us figure out the next steps. I'd definitely contact them again if we need financing.
Jennifer was a pleasure to work with. She was organized, helpful and kept us informed. The process was much easier to understand than what we'd experienced elsewhere.
Mike was friendly and efficient. We had questions about financing for our business, and he took the time to explain everything. No pressure, just helpful information. Would recommend.
David was great to work with. He understood what we were looking for and helped us work through the options. Communication was excellent.
Good experience overall. Bill was professional and easy to get ahold of. We appreciated having someone walk us through the financing process rather than trying to figure everything out ourselves.
Mike was fantastic. He made everything clear and was quick to answer when we had questions. Definitely a better experience than the runaround we'd been getting elsewhere.
Jennifer was very helpful and professional. She took the time to understand our business and explain the process. Really appreciated the straightforward approach.
I dealt with Mike and had a great experience. He was friendly, knowledgeable and made everything simple. Would happily recommend him to other business owners.
Bill was easy to deal with and very helpful throughout the process. We wanted to explore our financing options, and he explained everything clearly. Good service!
Mike was great to work with. He was patient with all my questions and made sure I understood what was required. It's nice to have someone actually take the time to help.
David was professional and responsive. The process was straightforward, and he kept us updated along the way. Happy with the service we received.
We had a positive experience with Jennifer. She was easy to communicate with and helped us understand the options for our business. Would definitely recommend.
Mike was excellent to deal with. We were looking into equipment financing and he made the process easy to follow. Very helpful and professional from the beginning.
Bill was great. Friendly, knowledgeable and no unnecessary runaround. He helped us understand what was involved and answered our questions promptly.
Mike helped us work through our financing options and made everything pretty straightforward. Good communication and easy to deal with. Thanks!
Jennifer was wonderful to work with. She was patient, professional and explained things in plain English. The whole experience was much less intimidating than dealing with a bank.
Really appreciate David's help. He was responsive and made sure we understood what was needed throughout the process. I'd recommend reaching out to him.
Mike was very helpful and easy to talk to. We had a few questions about business financing, and he explained the process without making it complicated. Great experience.
Bill was professional and straightforward. He took the time to go over our situation and explain the next steps. Exactly what you want when you're trying to sort out business financing.
Jennifer was a pleasure to deal with. She was friendly, helpful and kept communication clear. Everything was handled professionally, and I appreciate the assistance.
Mike was great. He answered my questions, explained the process and helped us understand what options were available. Would definitely work with him again.
Good experience with David. He was helpful and easy to reach when we needed clarification. The process was well explained and we appreciated the support.
Mike was awesome. Very easy to work with and always willing to answer questions. Financing can be frustrating, so having someone help you through it makes a difference.
Jennifer was professional and knowledgeable. She helped us understand the financing process and made sure we knew what information was required. I would recommend her.
Bill was easy to deal with and made the process straightforward. We appreciated the honest communication and the time he took to answer our questions.
Mike was friendly, helpful and efficient. He made everything easy to understand and was quick to respond. Really happy with the service.
David was great to work with. He understood what we were trying to accomplish and helped us navigate the process. Very professional and good communication.
Jennifer made the whole experience much easier than I expected. She was approachable, answered all our questions and kept things moving. I'd definitely recommend her.
Mike was excellent from start to finish. We were exploring financing for our business and he explained everything clearly. No wasted time, just good communication and helpful service.
Bill was very helpful and professional. He took the time to explain the process and answer our questions. It's refreshing to deal with someone who makes business financing easier to understand.
LET'S FIND THE RIGHT FINANCING FOR YOUR BUSINESS.
Tell us what you need and we'll take it from there — one team, one point of contact, from application through funding.