Equipment financing solutions for Canadian businesses.

Equipment financing is the practice of funding the acquisition of business equipment through structured payments over time, rather than paying the full purchase price upfront. For Canadian businesses, this approach preserves working capital, aligns equipment costs with the revenue the equipment generates, and can provide tax advantages depending on the structure chosen. The most common structures include equipment loans, commercial leasing, and sale leaseback arrangements, each suited to different business situations.

A commercial lease allows a business to use equipment for a fixed term in exchange for regular payments, often with the option to purchase the equipment at the end of the term. Equipment loans provide ownership from the start, with the equipment serving as collateral. Sale leaseback transactions allow businesses that already own equipment to convert that equity into working capital while continuing to use the equipment. Understanding which structure fits your situation depends on your cash flow, tax position, growth plans, and how long the equipment will remain productive in your operation.

The Capital House works with businesses across all credit profiles, from prime credit to startups building their first history. We finance both new and used equipment across every industry we serve, Canada-wide. Our approach begins with understanding your business, your equipment, and your goals before recommending a financing solution. This is why our services are organized around industries and equipment types rather than generic product categories. Aesthetic clinics financing laser platforms have different needs than contractors financing excavators, and the right financing structure reflects those differences.