Equipment financing for BC industrial businesses
Leases and loans for trucks, trailers, forklifts, heavy equipment and machinery. New or used, dealer or private sale. We match your request with suitable lenders.
Equipment Financing Check
9 quick questions. See your readiness score and which options may fit.
Start NowEquipment that keeps your business moving
Trucks & trailers
Highway tractors, dump trucks, vocational trucks, reefers, flatdecks and dry vans.
Truck financingConstruction & heavy equipment
Excavators, loaders, skid steers, dozers, cranes and attachments.
Heavy equipment financingWarehouse & manufacturing
Forklifts, racking, CNC machines, packaging lines and shop equipment.
Manufacturing & warehouseCommon equipment financing options
Equipment lease
You make regular payments to use the equipment, often with an option to buy it at the end. Can keep upfront costs low.
Equipment loan
You borrow to buy the equipment and own it from the start. The equipment usually secures the loan.
Sale-leaseback
Already own equipment outright? Some lenders will buy it and lease it back to you, freeing up cash for your business.
Dealer & manufacturer programs
Some dealers offer promotional financing. We can help you compare it against other options.
Need working capital, a line of credit or business acquisition financing instead? Our sister site CommercialLink.ca focuses on general business financing.
What lenders look at
- Time in business and industry experience
- Personal and business credit
- Revenue and recent business bank statements
- The equipment itself: type, age, condition and resale value
- Down payment
- A quote, invoice or bill of sale
More detail in our guide: What lenders look for in equipment financing.
Equipment financing FAQs
What kinds of equipment can be financed?
Most income-producing business equipment: trucks, tractors and trailers, construction and heavy equipment, forklifts and warehouse equipment, manufacturing and shop machinery, and commercial equipment such as restaurant or food processing equipment.
Can I finance used equipment or a private sale?
Often, yes. Many lenders finance used equipment and private sales. They usually want more information, such as photos, a bill of sale, and a lien search to make sure the seller owns it free and clear.
Do I need a down payment?
Not always. Some applicants qualify with little or nothing down, depending on credit, time in business and the equipment. A down payment usually improves your chances and your terms.
Can a new business get equipment financing?
Yes, though options are narrower. Start-ups usually need good personal credit, a down payment, and sometimes industry experience or a contract in hand.
Lease or loan: which is better?
It depends on whether you want to own the equipment, how you want it to show on your books, and your tax situation. Read our guide Equipment lease vs loan, and speak with your accountant.
How fast can it happen?
Straightforward requests with complete paperwork can move quickly. Larger amounts, newer businesses or private sales take longer because lenders need more information.
Get equipment financing options
Tell us about the equipment. A team member will review it and reach out with options. No credit check to ask.