Construction Equipment Financing

Fincap: Experts in Construction Equipment Financing

We provide Canadian businesses with tailored finance solutions for heavy equipment, from excavators and cranes to loaders and graders. Our services are built around your business needs, ensuring efficient operations without putting pressure on cash flow. Whether you need a flexible lease or a structured loan, our expertise ensures the right approach for your project.

With years of experience in the equipment and leasing industry, our team works closely with contractors to deliver flexible options adapted to each project. We guide you through every stage of the process, clarifying terms and helping you make confident decisions.

Backed by a strong network of more than 25 brokers and lenders across Canada, Fincap delivers competitive finance programs designed to support long-term growth.

Understanding Leasing Heavy Construction Equipment

Leasing is a financial agreement that provides the benefits of renting equipment with the potential of acquiring it in the future. This arrangement allows a company to lease equipment for a specific period and have the option of buying it at a fixed price at the end of the contract. It is a flexible option that enables companies to access innovative technologies without making costly initial investments.

Why Choose Lease Options for Construction Equipment?

Financial Flexibility For Construction Companies

Free up capital by avoiding large upfront purchases. The money saved can be redirected toward new projects, hiring staff, or other business opportunities.

Our lease financing solutions also come with flexible payment schedules, making it easier to adapt financing to your company’s rhythm. Payments can be arranged monthly, quarterly, or annually to match your needs.

Improved cash flow is another key advantage. Instead of committing a lump sum, costs are spread over time, giving you more room to manage working capital effectively.

Innovative Financing Solutions for Canadian Businesses

With lease agreements, you can refresh your heavy equipment regularly and ensure continuous access to modern technology. This adaptability helps companies stay competitive without the weight of long-term ownership.

Economic Benefits for SMEs

Tax efficiency is one of the strongest benefits. Lease payments are generally deductible, helping reduce the company’s overall tax burden.

Faster cost recovery is possible through loan programs that allow you to amortize equipment purchases more quickly.

Maintenance options may also be included in some agreements, reducing the administrative load for small and medium-sized businesses.

Responsiveness and Seasonal Adaptation

Our financing solutions allow you to access the machines you need without delay. For seasonal industries, lease financing is particularly effective, giving you access to equipment only when it is required, and optimizing overall project costs.

Strategy and Growth Planning

At the end of a contract, you can choose among clear paths: return the equipment, upgrade to newer models, or purchase at a predetermined value.

This clarity provides a predictable financial forecast, helping your company plan growth and allocate resources with confidence.

Contact our team today to explore tailored equipment finance options for the construction sector.

Working Capital Support for Construction Projects

Beyond equipment financing, many construction companies also need liquidity to handle day-to-day operations. Working capital loans provide fast access to resources that can be used for payroll, materials, subcontractors, and unexpected expenses.

This type of funding complements leasing by ensuring you can cover urgent project needs while keeping long-term investments under control. With flexible repayment terms and competitive rates, working capital support helps contractors and builders maintain financial stability and stay on schedule.

Your Equipment Financing Solution With Fincap

Leasing gives you access to a broad selection of equipment.

• Compactors to optimize site preparation.
• Cranes, essential for lifting and moving heavy loads.
• Hoists and lifting systems for safe handling.
• Demolition equipment for efficient deconstruction.
• Graders and excavators, indispensable for earthworks.
• Hydraulic equipment for optimum performance on your worksites.
• Mixers to ensure the quality of your infrastructure.
• Scaffolding for safe work at height.
• Stitch-joining units and differential welders for robust assemblies.
• Loaders for impeccable logistics.

This list is just a sample of what we have to offer!

With our financing solutions, you keep your capital intact while benefiting from the latest innovations in the industry. Our team helps you find the right loans so your business can grow with confidence. Contact us to explore competitive options tailored to your financial and material needs.

Frequently Asked Questions financing solutions

Is a lease more expensive than a traditional heavy equipment loan?

It depends. Monthly payments under a lease can sometimes be higher than a conventional equipment loan. However, a lease may offer tax advantages and allows you to upgrade equipment more regularly.

Are there any tax advantages to equipment leases?

Yes. In many cases, payments made through leases are deductible as business expenses, which helps reduce your overall tax burden.

Still, it’s best to consult an accountant or tax advisor to confirm how these benefits apply to your company.

What happens at the end of a lease agreement?

At the end of a lease contract, you generally have three choices: return the equipment, purchase it at the agreed price, or renew the agreement to access newer machines.

Can I end a lease earlier?

Most lease financing contracts have clauses for early termination. The terms and conditions may include penalties or additional costs. Always review the details of your agreement or consult with your financing advisor before making a decision.

Do equipment leases include maintenance?

This depends on the lease plan you choose. Some agreements include maintenance services, while others make the company responsible. The coverage often varies according to the equipment finance structure or the terms negotiated with your provider.