Financing options
Equipment financing and leasing options
Start with the transaction in front of you: a new purchase, a used machine, a private seller, a lease comparison or eligible equity in equipment already owned.
Choose the right starting point
Five distinct commercial financing needs
These pages separate broad equipment financing from leasing, used assets, private sales and refinancing so the requirements are easier to understand.
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 →What does not change
Every request needs a clear asset and business case
Identifiable asset
Make, model, year, price and seller should be clear.
Commercial use
The equipment must support a real business activity.
Repayment capacity
The obligation must fit the business and full credit request.
Lender approval
No page, quote or asset guarantees an approval.
Ready to discuss the equipment?
Tell Merrit Capital what you are buying, the approximate amount, the seller and the timing. We will explain the next information needed—without promising an outcome before the transaction is reviewed.