Equipment financing & leasing services
Merrit Capital helps Canadian businesses acquire revenue‑generating equipment with financing structures built around the asset and your cash flow. Whether you’re buying new, used, private sale, or auction equipment—we’ll help map the cleanest path to approval and funding.
What we can finance & structure
From single assets to fleets, we support a wide range of equipment transactions across Canada.
New & used equipment purchases
Dealer purchases, used equipment, and replacement cycles—structured around the asset and your timeline.
Private sales & dealer inventory
Buying privately or from dealer inventory? We’ll guide what’s needed to document the transaction cleanly.
Leases & term financing
Leasing, conditional sales, and residual options—chosen based on your use case, cash flow, and end goals.
Sale‑leaseback & refinancing
Turn owned equipment into working capital while keeping it in service—subject to asset and lender requirements.
Working capital support
Liquidity solutions that help smooth seasonality, support growth, or stabilize operations.
Pre‑approvals & auctions
When timing matters, we can help align lender expectations so you know your range before you bid.
Want the fastest path to approval?
Use our lightweight intake form. We’ll tell you what’s needed next (and what’s not).
What we typically need to quote a deal
You can often get started without sensitive personal details. The basics help us move quickly.
Equipment details
Make, model, year, condition, and how it will be used in your business.
Transaction details
Purchase price, seller type (dealer/private/auction), and any trade or down payment.
Business context
Time in business, where you operate, and a high‑level view of cash flow/seasonality.
Equipment financing & leasing FAQ
Do you finance used equipment and private sales?
Yes. Used assets and private sales are common. The key is clean documentation (equipment details, serial numbers, invoice/bill of sale, and a clear trail of funds).
What’s the difference between leasing and financing?
In simple terms: financing is usually about owning the asset, while leasing is often about flexibility and cash flow. For a practical breakdown, see our lease vs. finance guide.
How fast can you get an approval?
Timelines depend on the equipment, the seller, and the credit profile. Many requests can be reviewed quickly once we have the basics; more complex deals take longer.
What do you need to get started?
Often just the equipment details, purchase price, seller info, and a bit of business context. Our approval checklist shows what helps approvals move fast.
Can you help with sale‑leaseback or refinancing?
Often, yes—depending on the asset and lender requirements. If you’re exploring working capital, start here: sale‑leaseback explained.