How commercial financing actually works.
The questions we get asked most, answered without the runaround. What lenders look at, what your options are outside a bank or dealership, and what to have ready before you apply.
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The questions business owners actually ask.
Each one opens the page where we answer it properly — no sign-up, no gate, nothing to download.
How does equipment leasing work?
The mechanics of commercial equipment financing, and how it compares with paying cash or using a bank.
- What lenders assess on an equipment file
- New, used, private-sale and auction purchases
- Terms, structure and how payments are set
Can I finance an older truck with high kilometres?
Why year and kilometre limits differ between programs, and when an older truck is still worth financing.
- Programs that consider older vehicles
- What high kilometres does to a file
- Pre-approval before you commit
What does “unsecured” actually mean?
What unsecured borrowing looks like in practice, what lenders look at, and when it beats secured lending.
- What replaces collateral in the assessment
- Revenue and banking history requirements
- When unsecured is the wrong choice
What is a business line of credit?
How a revolving line differs from a term loan, and how interest on the drawn amount actually works.
- Revolving vs. instalment structure
- How you are charged on what you draw
- Where a line beats a fixed loan
How do I release cash from equipment I already own?
Refinancing and sale-leaseback — unlocking capital tied up in machinery while you keep operating it.
- How refinancing against owned assets works
- Sale-leaseback, and what changes
- What the asset and the file need to show
Can I get approved before an auction?
How financing is arranged around auction deadlines, and why any pre-approval is conditional on the lot you win.
- Conditional pre-approval before you bid
- Payment deadlines, set by the auction
- What happens if you do not win
Why did the dealership say no?
A dealership offers one program. We work with a network — which is why a decline is not the end of the conversation.
- One lender's answer vs. a lender network
- Why programs differ on the same file
- What we do after a decline
What do I need before I apply?
What to have ready so the process moves quickly once it starts — and what you will not be asked for.
- The information that actually moves a file
- No financial statements or home collateral
- What happens after you submit
Does financing affect my personal credit?
Why commercial equipment funding is set up under your business, and what that means for personal borrowing later.
- How the facility is registered
- Why it does not add a personal trade line
- Financing repeatedly over time
Can I finance a business acquisition?
Buying a business is a different transaction from equipment or working capital — here is how it is assessed.
- What makes an acquisition file different
- What a lender looks at on the target
- How the process is structured
Do you finance businesses in the United States?
Unsecured business loans and business lines of credit for American businesses, subject to program and approval.
- US unsecured business loans
- US business lines of credit
- How the assessment differs by market
How do I sell equipment I still own?
Consignment, and why it differs from an auction — you keep the machine and the price you agreed to.
- How consignment works, and what it costs
- Why there is no reserve at auction
- Who handles buyer inquiries
Still not sure which one fits?
Tell us what you need. We’ll tell you what your options are.
You do not need to know which product to ask for. Describe the equipment, vehicle or capital you need and we will work out which programs fit — including files a bank has already declined.
One team, one point of contact, from first call through to funded.