Equipment Financing in Ontario
Looking for equipment financing in Ontario? Fincap connects businesses across the province with tailored funding solutions. Whether you need to lease new machinery, refinance existing assets, or secure capital for growth, our team helps you access competitive terms and flexible options built around your operations.
Find the Right Equipment Financing Solution in Ontario
A Partner That Understands Ontario's Diverse Business Landscape
Fincap is a commercial finance broker supporting Canadian businesses, with a strong focus on clients throughout Ontario. From the Greater Toronto Area to Ottawa, Hamilton, London, and beyond, we serve companies operating in every corner of the province.
Our process is fully remote and designed to match the pace of Ontario businesses. We work with companies in construction, manufacturing, transportation, healthcare, and other key industries to secure financing aligned with both daily operations and long-term goals.
Ready to get started? 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
Finding the right financing partner in Ontario means looking beyond interest rates alone. Speed, flexibility, and access to solutions that fit your business model matter just as much.
Fincap helps business owners lease or purchase new and used equipment, access working capital loans, and improve cash flow through factoring. Start-ups and established companies alike are welcome, and our advisors provide direct support at every stage.
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 that align with your actual business requirements.
Want to explore your options? Try our equipment lease calculator or submit a request online. One of our account managers will contact you shortly.
Understanding Equipment Financing Options
Ontario businesses have different financial needs depending on their sector, growth stage, and available capital. Some want to acquire new machinery without large upfront payments. Others need to unlock value from existing assets or access short-term funding to manage cash flow. Fincap offers flexible solutions designed to address each of these scenarios.
Equipment Leasing
Equipment leasing gives you access to the equipment your business needs without tying up working capital. It works well for companies that want to stay current with technology or manage budgets more efficiently. Both new and used assets can be leased.
Equipment Refinancing
Already own valuable machinery? Refinancing lets you use that equity to access capital. It provides a practical way to fund other priorities without taking on a traditional loan.We also support refinancing heavy equipment for Ontario businesses looking to move from short-term rental agreements to more stable financial structures.
Working Capital Loans
Working capital loans help cover operational expenses like payroll, inventory, or rent. Approval is fast, and repayment schedules align with your revenue cycle. This option suits businesses that need quick access to funds without pledging specific equipment.
Merchant Solutions
For businesses in retail, hospitality, or services, we offer merchant financing solutions tied to card sales or monthly revenue. Access is fast and the process is straightforward.
Vendor Program
If you sell equipment, Fincap can help you set up a vendor financing program. This helps your customers buy faster and streamlines your sales cycle.
Factoring
Factoring allows you to access immediate funds against unpaid invoices. It improves short-term liquidity and helps avoid delays caused by slow-paying clients. This solution works especially well for B2B companies with reliable customers.
Get Started with Financing Solutions in Ontario
Ready to move forward? Fincap delivers financing solutions tailored to the reality of Ontario businesses.
Whether you're leasing new assets, applying for funding, or refinancing existing resources, we guide clients toward the right structure for 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 representatives will contact you within 24 hours. Our services are built for speed, clarity, and real business results.
Leasing vs. LoanWhat’s Better for Your Business?
Financing by Equipment Type
Fincap partners with businesses in diverse industries to find financing solutions that match their day-to-day realities. From replacing outdated equipment to scaling operations, we connect you with terms that make sense for your situation. Every proposal reflects your asset type, intended use, and business objectives.
Heavy 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
Tractors, combines, and sprayers are the backbone of farming operations. Our solutions are designed around harvest cycles and seasonal revenue patterns, giving you access to essential machinery without straining your working capital.
Constrution Equipment
Cranes, compressors, and lifting platforms are essential on any job site. We help contractors access financing for construction equipment with terms that reflect project cycles and operational realities.
Forestry Equipment
Harvesters, skidders, and forwarders require financing that fits the pace of forestry work. Our forestry equipment leasing plans are structured based on your operational calendar and long-term equipment strategy.
Trailers and Transport Equipment
From flatbeds to reefers and tankers, transport companies rely on quality trailers. Our trailer and transport equipment financing solutions help you grow your fleet or replace aging units without straining your cash flow.
Specialized Industry Equipment
From fitness machines to dental chairs, medical devices to packaging lines, we finance equipment across many sectors. Launching a new location or modernizing your current setup? We'll help you build a plan that fits your goals.
Comparing Equipment Financing Providers in Ontario
The Ontario equipment finance market includes banks, credit unions, and broker models like Fincap. Each option comes with different levels 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 Ontario
Start by filling out a short form with details about your business and the equipment you're looking for. It only takes a few minutes.
Our team reviews your credit profile, business background, and supporting documents. We then match your request with lenders whose criteria align with your situation.
If your file meets the requirements, you'll receive a conditional offer outlining the proposed terms. Your account manager walks you through the options and helps you choose the structure that fits your priorities.
Once everything is confirmed, the agreement is finalized and funds are released. Most files are fully approved within 24 to 48 hours. Our team is available at every step to answer questions and guide you through the process with confidence.
Whether you're acquiring new equipment or refinancing existing assets, we keep things simple, fast, and aligned with your business needs.
Learn how to strengthen your lease financing application.
FAQ About Equipment Financing in Ontario
Absolutely. Pre-approval decisions typically come back within 24 to 48 hours. We assess your credit history, financial standing, and business background to connect you with suitable lenders and financing structures.
Rates depend on several factors: your credit profile, the type of equipment, and how the financing is structured. Fixed payment schedules are standard, though some lenders accommodate businesses with seasonal income fluctuations.
Yes. A large portion of our lender network supports used equipment financing, provided the asset meets condition and resale value standards. The approval process mirrors that of new equipment, with competitive terms available.
Fincap supports businesses across many sectors, including construction, agriculture, healthcare, manufacturing, and logistics. If the equipment contributes to your operations, chances are we can help you finance it.
Once your application and documents are submitted, most files receive full approval within 24 to 48 hours. We prioritize efficiency and keep communication open to avoid unnecessary delays.
Typically, you will need basic business information, recent financial statements, and details about the equipment you want to finance. Our team will guide you through the specific requirements depending on your situation.