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Eligible Equipments

With our extensive experience, we have gained a unique expertise in all kinds of equipment that allows us to understand and fulfill your specific needs.

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Farm Equipment Financing

Farm equipment financing allows farmers to reduce their costs and invest in the development of their business.  At Fincap, our leasing service offers a method of reducing operating costs while ensuring access to state-of-the-art equipment. This approach promotes farm optimization, management and productivity. 

By choosing Fincap for the financing of your agricultural equipment, you benefit from the flexibility essential to the development of your business in the farming industry. 

You are free to choose between new and used equipment, with no obligation to buy immediately. In addition, we work with over 25 lenders and financial partners across Quebec and Canada. This vast network enables us to offer you sound advice and advantageous rates. Above all, they're tailored to your needs, whether for the short or long term.

What's more, we offer you not only our expertise, but also personalized advice tailored to the dynamics of the agricultural industry. These major assets ensure competitive rates, perfectly in line with your agricultural development projects.

At Fincap, we are committed to providing attentive and responsive customer service, supporting you at every stage of your financial journey.

Why Lease Finance Agricultural Equipment?

Leasing offers an attractive alternative for companies and farmers who avoid long-term loans.

This financing method is ideal for purchasing new and used agricultural equipment thanks to its many advantages.

Moreover, this solution provides the flexibility to acquire equipment without the financial constraints of a heavy initial investment. Leasing stands out for its flexibility, tax benefits and diverse payment options. 

Tax advantages include the possibility of deducting leasing payments as operating expenses. This reduces the company's income tax liability. 

This feature makes leasing financially attractive for farmers seeking to optimize their tax situation while investing in equipment.

What Type Of Agricultural Equipment Can Be Financed By Leasing?

We can finance a wide range of equipment for the agricultural industry. For example:

Forage baler: This tool compacts hay and straw, simplifying transport and storage. Also known as a baler or baler-picker, this equipment is a practical, time-saving solution.

Harvesting equipment: Various machines, such as combines, are essential for harvesting cereals or pulses. This agricultural equipment performs several operations, such as cutting, threshing and separating the straw from the grain, and cleaning up immediately after harvesting.

Plough: Used mainly for ploughing, the plough prepares the soil for sowing.

Steel structure: Opting for a steel structure as an agricultural tool offers advantages such as durability and rapid installation. This option is particularly suited to constructing large storage or work areas.

Grain bin: A grain bin as an agricultural tool can reduce your storage costs and increase your production autonomy.  It is ideal for improving harvest logistics.

Watering machine: Known as an irrigation system, this machine supplies water to crops during drought.

Seeding equipment: Seeding equipment facilitates the uniform and organized planting of seeds, helping to prepare the harvest.

Tractors: Tractors pull farm equipment such as ploughs and seeders. 

Grain handling equipment: Tools such as belt conveyors and bucket elevators facilitate grain transport. In addition, augers, also financed by our services, help with sorting and storage. Investing in this type of machinery reduces manual effort and improves efficiency in crop management.

Livestock equipment: Whether it's feeders, troughs or ventilation systems, this equipment contributes to a healthy environment and animal well-being.  

Sprayers: These tools help to disperse powdered or liquid products on crops, contributing to the quality of harvested produce.

Why Choose Fincap To Finance Your Agricultural Equipment In Quebec And Canada?

We offer a personalized service based on our expertise in agricultural equipment financing. Every customer benefits from our expert approach, tailored to their specific needs. This enables us to identify development opportunities for every farm business.

Moreover, our network includes over 25 lenders across Canada, including Quebec. This enables us to offer tailor-made financing solutions. As an independent broker, we greatly value providing excellent customer service.

To set up a customized financing plan for your operation, contact us. Whether online or by phone, our team is ready to assist you. Together, we'll draw up a leasing contract that meets your requirements.

Crédit-bail vs Prêt : Avantages et Inconvénients


Key benefits

Flexibility: Leasing lets you acquire equipment without the constraints of an up-front investment.

Tax benefits: Leasing payments are deductible as operating expenses, reducing the company's income tax.

Access to state-of-the-art equipment: Leasing facilitates new or used equipment without a long-term commitment.


Total cost: Leasing can be more expensive than outright purchase over time.

No ownership: At the end of the leasing contract, the equipment does not belong to the company unless a purchase option is exercised.

Contractual restrictions: Leasing may include restrictive clauses like mileage or wear-and-tear limits.


Key benefits

Ownership: Loans enable immediate acquisition of equipment which becomes company property.

Financing flexibility: Loans offer a wider range of rates and repayment terms.

Residual value: Equipment can be resold or used as collateral for other loans.


Initial investment: A loan often requires a substantial initial contribution.

Financial burden: Loan repayments impact the company's balance sheet.

Obsolescence: The company assumes the risk of obsolescence of the equipment purchased.

In short, leasing offers flexibility and tax advantages for acquiring equipment without the need for substantial start-up capital. However, it's important to bear in mind that the total cost may turn out to be higher. What's more, leasing does not entail ownership of the equipment.

On the other hand, a loan allows immediate ownership of the equipment with the possibility of resale but requires an initial investment and carries a risk of obsolescence.

We have customized leasing solutions for your farm equipment

If you're looking for a leasing solution for your farm equipment, don't wait any longer. Contact us today or apply online. We're here to help you work out a financing agreement tailored to the specific needs of your farm business. This will make it easier for you to manage and grow your business.