Financing options
Equipment leasing and business financing in Canada
Merrit Capital specializes in equipment leasing for Canadian companies. We also arrange conditional sales contracts, new and used equipment financing, sale-leasebacks, working capital financing and accounts receivable factoring. Start with what your business needs to put to work.
Choose the right starting point
Financing for equipment and business cash flow
Buying equipment, releasing equity and bridging customer payments are different transactions. Compare the options below, then discuss the asset or cash-flow need with Merrit Capital.
Equipment financing
Commercial equipment financing for Canadian businesses buying new or used machinery, trucks, trailers and revenue-producing assets.
Explore this option →ServiceEquipment leasing
Commercial equipment leasing for Canadian businesses seeking practical payment structures for new and used revenue-producing assets.
Explore this option →ServiceUsed equipment financing
Finance used commercial equipment from dealers, auctions and eligible private sellers across Canada with practical transaction guidance.
Explore this option →ServicePrivate-sale financing
Finance eligible commercial equipment purchased from a private seller in Canada with ownership, value and documentation support.
Explore this option →ServiceEquipment refinancing & sale-leaseback
Explore equipment refinancing and sale-leaseback options for eligible owned commercial assets in Canada, subject to value and lender review.
Explore this option →ServiceConditional sales contracts
Finance revenue-generating equipment with a conditional sales contract. Compare ownership, payments and leasing options for Canadian businesses with Merrit Capital.
Explore this option →ServiceWorking capital financing
Working capital financing for Canadian companies managing payroll, materials, seasonal expenses and growth. Compare cash-flow options with Merrit Capital.
Explore this option →ServiceAccounts receivable factoring
Explore invoice factoring for Canadian businesses waiting on customer payments. Merrit Capital helps compare receivable eligibility, fees and funding options.
Explore this option →What does not change
Match the information to the funding need
Equipment or cash need
For equipment, identify the asset and seller. For cash flow, explain the amount and purpose.
Commercial use
Financing is for Canadian companies and commercial activities.
Repayment capacity
The obligation must fit the business and full credit request.
Lender approval
The business, asset or receivables and proposed structure are reviewed before funding.
For Canadian businesses across the country
Merrit Capital serves Canadian companies only. We work with businesses in Northern and Southern Ontario, Atlantic Canada, Manitoba including Winnipeg, Saskatchewan, Alberta, British Columbia, Quebec, Yukon, the Northwest Territories and Nunavut. We do not offer financing to businesses in the United States. Explore our Canadian service areas.
Ready to discuss your financing?
Tell Merrit Capital about the equipment, operating expense or unpaid invoices, the amount needed and the timing. We will explain the next information needed to review your Canadian business.