Equipment Financing in Calgary
Need equipment financing in Calgary? We work with a wide network of lenders to secure the best financial structure for your business. Whether you’re planning to lease, refinance, or secure asset-based credit, the process is fast, the terms are clear, and the funding supports your operational goals.
Find the Right Equipment Financing Solution in Calgary
A Financing Partner That Understands Calgary’s Business Landscape
Fincap is a commercial finance broker supporting businesses across Canada, including many based in Calgary.
Our process is fully remote and built to match the reality of businesses operating in Calgary. We work with companies in construction, transport, manufacturing, healthcare, and other sectors to secure financing that fits both their day-to-day operations and financial profile.
Want to move forward? Fill out our online application form.
How to Choose the Best Equipment
Financing Company
Choosing the right partner in Calgary means more than just comparing interest rates. What truly matters is speed, flexibility, and access to a structure that matches how your business operates.
Fincap helps business owners lease or refinance new and used equipment, secure working capital loans, and improve liquidity through factoring. Start-ups are welcome, and our advisors provide direct support throughout the process.
We work with over 30 lending partners across Canada and maintain an 80% approval rate.
Most applications are processed within 24 to 48 hours, and we focus on delivering terms aligned with your actual business needs.
If you're ready to move forward, try our equipment lease calculator or start a request online. One of our account managers will contact you quickly.
How to Choose the Best Equipment
Financing Company
Choosing the right partner in Calgary means more than just comparing interest rates. What truly matters is speed, flexibility, and access to a structure that matches how your business operates.
Fincap helps business owners lease or refinance new and used equipment, secure working capital loans, and improve liquidity through factoring. Start-ups are welcome, and our advisors provide direct support throughout the process.
We work with over 30 lending partners across Canada and maintain an 80% approval rate.
Most applications are processed within 24 to 48 hours, and we focus on delivering terms aligned with your actual business needs.
If you're ready to move forward, try our equipment lease calculator or start a request online. One of our account managers will contact you quickly.
Understanding Equipment
Financing Options
Businesses in Calgary have different financing needs depending on their sector, growth stage, and available resources. Some are looking to acquire new machinery. Others want to stabilize their finances, refinance existing assets, or access short-term funding. Fincap offers flexible solutions built to meet those real-world demands.
Equipment Financing
Equipment leasing gives you access to the tools you need without tying up your cash. It’s ideal for staying current with technology and managing budgets efficiently. You can lease both new and second-hand assets.
Equipment Refinancing
If you already own high-value gear, refinancing lets you use its value to access working capital. It’s a practical way to fund other priorities without taking on a new loan.
We also support refinancing heavy equipment rentals in Calgary, helping businesses move from short-term rental agreements to more stable financial structures aligned with their operational needs.
Working Capital Loans
Working capital loans are designed to cover operational needs like payroll, inventory, or rent. Approval is quick, and repayments align with your revenue cycle.
Merchant Solutions
For businesses in retail, hospitality, or services, we offer merchant financing solutions based on card sales or monthly revenue. Fast access, no complex process.
Vendor Program
If you sell equipment, Fincap helps you set up a vendor financing program to help your customers buy faster and streamline your sales cycle.
Factoring
Factoring allows you to get immediate funds based on unpaid invoices. It improves short-term liquidity and helps avoid delays linked to client payments.
Get Started with Financing Solutions in Calgary
Ready to move forward? We’re here to help. Fincap delivers financing solutions tailored to the reality of Calgary-based businesses. Whether you're leasing new assets, applying for funding, or refinancing existing resources, we guide clients toward the right structure based on their operations and investment timeline.
With hundreds of millions in financing processed, our experience makes the difference. Fill out our online application form and one of our advisors will contact you within 24 hours. Our services are built for speed, clarity, and real business results.
Leasing vs. Loan What’s Better for Your Business?
Financing by Equipment Type
Fincap works with companies across multiple sectors to secure structures aligned with their operational needs. Whether you’re upgrading aging machinery or growing your capacity, we help you access the right financial setup. Each option is adjusted based on asset value, usage expectations, and your current priorities.
Excavation Equipment
Agricultural Equipment
Construction Equipment
Forestry Equipment
Trailers and Transport Equipment
Specialized Industry Equipment
Heavy Equipment
Excavators, loaders, bulldozers, and other heavy equipment often represent major investments. We offer structured financing to help you preserve capital and spread costs over time, with solutions tailored to your fleet strategy and usage cycles.
Agricultural Equipment
From tractors to combines and sprayers, farming operations depend on reliable tools. Our financing options support seasonal cash flow and give you access to the machinery you need without disrupting daily production.
Constrution Equipment
Cranes, compressors, lifts, and other construction gear require flexible terms, especially for project-based businesses. Fincap helps contractors secure funding aligned with their timelines and operational setup.
Forestry Equipment
We finance harvesters, skidders, forwarders, and other forestry machines through forestry equipment leasing plans tailored to how your business operates. Our specialists help define terms aligned with your fieldwork pace and investment capacity.
Trailers and Transport Equipment
Flatbeds, refrigerated trailers, and tankers are essential assets for many transport companies. Fincap offers tailored options designed to meet your specific financing needs, whether you're expanding your fleet or replacing existing units.
Specialized Industry Equipment
We also support financing for gym machines, dental chairs, medical devices, packaging systems, industrial tools, and IT setups. Whether you're launching a new facility or upgrading existing units, we help structure the right plan for your business objectives.
Comparing Equipment
Financing Providers in Calgary
Financing Providers in Calgary
The local equipment finance landscape includes banks, credit unions, and broker models like Fincap. Each option comes with a different level of flexibility, speed, and access to funding.
While banks offer standard credit products and credit unions focus on local service, Fincap provides access to multiple offers through a single request. This lets you move forward with the equipment finance structure that best aligns with your business, not just the one option available at your institution.
The Process to Get
Approved in Calgary
You start by submitting basic information about your business and the equipment you need. This takes only a few minutes.
We review your credit history, business profile, and key documentation. Based on lender criteria, we match your request with the most relevant available options.
If your application qualifies, you receive a pre-approval with proposed terms. At this stage, our advisors help you review the structure and select the best funding option based on your goals.
Once everything is confirmed, funds are released and the agreement is finalized. Most clients get full approval within 24 to 48 hours. Throughout the process, our team stays available to answer questions and help you move forward with confidence. Whether you're financing new machinery or refinancing existing assets, we make sure the experience is clear, fast, and built around your operations.Read our guide on how to get your lease financing application approved.
FAQ About Equipment Financing in Calgary
Yes. Most clients can get pre-approved within 24 to 48 hours. We review your credit, financials, and business profile, then match you with the right lender and terms.
Rates vary depending on your credit profile, the equipment you need, and the structure of the financing. Fixed terms are common, and some lenders may offer more flexible arrangements for seasonal revenue models.
Yes. Many lenders in our network finance used equipment, depending on its condition, resale value, and usage history. Terms remain competitive, and approvals follow the same process as for new assets.
Fincap serves a wide range of industries, from construction and agriculture to medical, packaging, and transport. If your equipment generates business value, we can likely finance it.
Most approvals are completed within 24 to 48 hours once we receive your application and documents. Our services are built for speed, and our team stays in contact to keep the process moving without delays.