Lease the equipment your business needs — even when a dealership has already said no.
We lease and finance machinery and commercial equipment through eligible programs — excavators, skid steers, loaders, telehandlers, cranes, forklifts, HVAC and restaurant equipment. For semis, dump trucks, cargo vans and business-use pickups, see our Truck & Commercial Vehicle Financing page. Purchases may come from dealers, private sellers or auctions, depending on the program and the asset.
Rates from
9.99%
Financing
$15,000–$250,000
The truck a dealership couldn't finance doesn't necessarily mean your business can't finance it.
Retail dealership programmes typically stop at 2017 or 190,000 km. Our lenders write their own credit policy, so older trucks with higher kilometres are routinely considered. If you have been told no elsewhere, it is worth a conversation — every programme has its own criteria.
What we can finance
Who this is for
Compared with a bank
A bank needs weeks. We need 24 hours.
When a business needs capital or equipment, it needs an answer now. A traditional bank branch underwrites on financial statements, collateral and personal credit, and its review can run for weeks. Our commercial lenders underwrite on your business revenue and banking stability — so we can move far faster.
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.
Estimate your financing
Equipment Leasing & Financing calculator
Adjust the amount, rate and term to see how the numbers move. This calculator loads with $60,000 as its default.
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
How the process works
What happens after you reach out.
Tell us what you need
The equipment, the amount and roughly when you need it. A quote or listing is helpful but not required to start.
We review the file
We look at your business, the asset and what you are trying to achieve, and identify which programs are likely to fit.
We prepare the application
We work with you to complete the lender application and gather the supporting documentation the program requires.
The lender assesses it
We manage the file with the lender and keep you informed at every stage of the process.
Documentation and funding
On approval we coordinate the paperwork between you, the lender and where relevant the seller, through to funding.
Equipment delivered
You take delivery of the asset and the financing is in place. Payments follow the agreed structure.
Frequently asked questions
- Do you lease trucks older than 2017 or over 190,000 km?
- Yes. Retail dealership financing programmes typically cap at 2017 or 190,000 km. Our lenders write their own credit and asset policy, so older trucks and higher-kilometre trucks are routinely considered. Year, kilometres, condition and resale profile all factor into what a programme will accept.
- Can I finance used equipment?
- Yes — many programs finance used commercial equipment and trucks. The age, hours or kilometres, condition and resale profile of the asset all factor into what a program will consider.
- Can I buy from a private seller?
- Depending on the program, eligible purchases may come from dealers, private sellers or auctions. Private sales often require additional documentation, so it is worth telling us the source at the start.
- What terms are available?
- Terms commonly range from 24 to 72 months depending on the equipment, the applicant and the program. The calculator shows 36, 48 and 60 months as illustrative examples — longer and shorter terms are available. They are options, not a guarantee that every term is available for every asset.
- How much can I finance?
- The advertised financing range for truck and equipment loans is $15,000–$250,000, subject to lender approval, eligibility and transaction requirements. Rates start from 9.99%; not every applicant will qualify for the starting rate.
- What information will I need?
- Typically business information and banking records, plus the equipment details — make, model, year, and where you are buying it from. We will tell you exactly what the relevant program needs.
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Ready to get started?
One team, one point of contact, from application through funding.
Other financing options
Equipment Refinancing
Financing $15,000–$250,000
Rates from 9.99%
Unsecured Business Loans
Financing $15,000–$150,000
Rates from 7.99%
Business Lines of Credit
Credit limits $15,000–$100,000
Rates from 0.99% per month