"We had a vendor quote on a used loader and needed to move fast. lendflo got the financing reviewed the same day and handled the lender questions."
Chris M.
Construction contractor
Equipment financing for Canadian businesses
Equipment financing $10K-$500K
Finance the equipment your business needs, from trucks to commercial kitchen equipment, with same-day decisions, 0% down options, and terms tailored to your cash flow.
Finance new or used business equipmentEquipment itself secures most approvalsTerms tailored around your cash flow
$10K-$500K
Financing range
12-84 mo.
Terms available
Same day
Decision time
As low as 0%
Down payment
Quote ready
$92K
Equipment request
Decision
Same day
Most smaller files
0%
Down options
84 mo.
Max term
1-3d
Funding
$10K-$500K
Finance trucks, machinery, fixtures, technology, and more.
Same-day decisions
Most complete applications under $150K get a same-day response.
0% down options
Many programs minimize upfront cash for qualified equipment.
Up to 84 months
Spread payments over as long as 7 years to protect cash flow.
Advisor managed
A specialist handles lender fit, vendor details, and documents.
All industries
Construction, healthcare, food service, logistics, retail, and more are all welcome.
SSL Secured Application Canadian Financing Broker Dedicated Advisor Assigned Same-day Decisions
Equipment financing application
Get matched to equipment financing without draining working capital.
Finance the equipment that drives your business forward. Same-day decisions. Terms tailored to your cash flow.
6+ months in business
Equipment quote or invoice ready
All credit profiles considered
0% down options available
New and used equipment welcome
Old way vs lendflo
Stop buying equipment with cash your business still needs
Equipment should generate revenue, not choke cash flow before it has a chance to perform.
The cash-drain way
Tying up working capital on a large equipment purchase before revenue catches up.
Waiting for a bank decision while a vendor quote, vehicle, or machine gets sold.
Being forced into a generic loan when a lease or equipment structure would fit better.
Paying too much upfront for delivery, installation, software, or training costs.
Trying to compare lease terms, residuals, buyouts, and rates without guidance.
Delaying production, delivery capacity, or service quality because equipment is out of reach.
The lendflo way
Finance up to 100% of equipment cost so cash stays available for payroll, inventory, and growth.
Move quickly with same-day decisions and funding as fast as 24 to 48 hours after signing.
Choose from finance leases, operating leases, or loan structures based on ownership and tax goals.
Bundle eligible soft costs like delivery, installation, and training into the financing amount.
Let a lendflo advisor explain payments, end-of-term options, and total cost before you commit.
Get equipment into service sooner so it can start producing revenue for the business.
Real results
Equipment gets productive faster when financing moves quickly
From trucks to commercial kitchen equipment, lendflo helps owners protect cash while putting assets to work.
"The advisor helped us compare lease options for new clinic equipment and kept payments aligned with our launch cash flow."
Priya S.
Dental clinic
"We financed refrigeration and kitchen upgrades without draining working capital before our busy season."
Marco D.
Food service owner
"The truck quote was time-sensitive. lendflo made the process clear and got us a structure with manageable payments."
Alyssa R.
Logistics operator
"We bundled delivery and installation into the financing. That helped us put the machine into service without a cash crunch."
Ben T.
Manufacturing shop
"Fixtures, POS, and security were all part of our expansion. The financing kept the project moving without extra collateral."
Nadia L.
Retail group
Equipment financed. Cash preserved. Business keeps moving.
Why choose lendflo
Equipment financing built around how assets actually earn
Access lenders who specialize in equipment and get terms that match how you use it.
01
Preserve Working Capital
Finance up to 100% of equipment cost so cash stays available for payroll, inventory, and growth.
02
Same-Day Decisions
Submit an application and get a credit decision the same business day on many transactions.
03
Flexible Structures
Choose from finance leases, operating leases, or loans depending on ownership and tax goals.
04
Terms Up to 84 Months
Spread payments over up to 7 years to keep monthly obligations manageable.
05
New & Used Equipment
Finance brand-new machinery or quality used equipment with lenders in the lendflo network.
06
All Industries Welcome
Construction, food service, healthcare, transportation, manufacturing, retail, and more.
07
Equipment as Collateral
The equipment itself typically secures the loan or lease, so additional collateral is not needed in most cases.
08
Soft Costs Included
Delivery, installation, and training can often be bundled directly into the financing.
09
Vendor-to-Funding Support
Your advisor coordinates quotes, lender requirements, and signing so the purchase keeps moving.
Equipment we finance
Nearly any business-use asset can qualify
From heavy machinery to technology and fixtures, these are some of the most common categories.
01
Trucks & Trailers
Commercial vehicles, delivery units, trailers, and vocational trucks.
02
Construction Equipment
Excavators, loaders, lifts, graders, compactors, and jobsite machinery.
03
Technology & IT
Servers, hardware, software bundles, POS systems, and office technology.
04
Restaurant Equipment
Kitchen lines, ovens, refrigeration, prep stations, and food service equipment.
05
Industrial Machinery
Manufacturing, fabrication, packaging, CNC, and production equipment.
06
Medical Equipment
Clinic, dental, diagnostic, therapy, and healthcare operating equipment.
07
Retail Fixtures
Shelving, displays, counters, security, refrigeration, and fit-out assets.
08
Print & Signage
Printers, cutters, presses, signage machinery, and finishing systems.
09
Office Furniture
Workstations, ergonomic furniture, storage, and office buildout assets.
Simple process
From quote to funded in six steps
01
Share Equipment Details
Send the quote, invoice, or equipment description with basic business details.
02
Advisor Review
A lendflo advisor confirms lender fit, structure, down payment options, and timing.
03
Document Check
Most smaller files need an application and recent bank statements. Larger deals may require financials.
04
Offer Match
Compare lease, loan, and payment options based on ownership goals and cash flow.
05
Vendor Confirmation
We coordinate vendor details, purchase documents, and signing requirements.
06
Equipment Funded
Approved files can fund in 1 to 3 business days after documents are signed.
Financing options
Equipment structures for different purchase sizes
Pick the route closest to your equipment goal. Your advisor will confirm actual options after review.
Small Equipment
$10K-$75K
12-60 months
- Fast applications
- New or used equipment
- Simple document list
- 0% down options
Popular
Core Equipment Financing
$75K-$250K
24-84 months
- Vehicles and machinery
- Lease or loan structures
- Vendor coordination
- Soft costs may qualify
Large Asset Purchases
$250K-$500K+
Custom terms
- Production machinery
- Multi-unit purchases
- Financial package review
- Structured repayment
Estimate an equipment payment
Illustrative only. Your actual offer depends on equipment, lender, and credit review.
Estimated monthly payment
$1,891
Same-day decisions
On many complete applications
0% down options
For qualified equipment and borrowers
New & used assets
Most business-use equipment considered
Dedicated advisor
Quote, vendor, and funding support
Low friction
Built to reduce equipment purchase risk
01
Free to Apply
Review options before choosing whether to move ahead with a lender offer.
02
Clear End-of-Term Options
Buyout, renewal, return, and residual details are explained before signing.
03
Advisor Support
Talk to a specialist who understands equipment lenders, vendors, and timelines.
04
Asset-Based Security
The equipment itself usually supports the financing, reducing the need for additional collateral.
Our commitments
A clearer way to finance business assets
01
Speed Commitment
Complete applications are reviewed quickly so equipment opportunities do not stall.
02
Payment Clarity
Your advisor walks through payment schedule, fees, residuals, and buyout options.
03
Cash Preservation
We look for structures that reduce upfront cash needs and protect working capital.
04
Structure Fit
Lease or loan options are matched to asset life, revenue use, and ownership goals.
05
Industry-Aware Review
Construction, healthcare, hospitality, transportation, retail, and industrial files are welcome.
06
Vendor Coordination
We help keep quote, invoice, signing, and funding steps organized.
Common questions
Everything to know before you finance equipment
Clear answers about used equipment, leases, documents, down payments, timing, and end-of-term options.
FAQ - 12 answers
No. With equipment financing, the equipment itself typically secures the loan or lease, so no additional collateral is required in most cases.
Yes. Many lenders in our network finance used equipment, though rates and terms may vary based on equipment type, age, condition, and resale value.
A finance lease is similar to ownership and may allow you to own the equipment at the end. An operating lease can offer lower payments and more flexibility. Your advisor will explain both options.
For many applications under $150K, a completed application and 3 to 6 months of bank statements may be enough. Larger transactions may require financial statements and a fuller credit package.
Generally 6 to 12 months in business is preferred for standard approvals. Newer businesses may qualify with stronger personal credit or a co-signer.
Equipment financing through lendflo is commonly available from $10,000 to $500,000, with larger transactions reviewed case by case depending on asset type, lender, and business profile.
Yes. You can finance equipment you plan to purchase from a vendor or dealer. Quotes, invoices, and purchase orders can be used in the application.
Almost any business-use asset can qualify, including construction machinery, commercial vehicles, medical equipment, restaurant equipment, manufacturing machinery, IT hardware, and more.
Many programs are available with 0% down, especially for newer equipment with strong resale value. Your advisor will outline options that minimize upfront cash outlay.
Decisions on transactions under $150K are often made the same day. Funding typically follows within 1 to 3 business days after documents are signed and the vendor is confirmed.
In many cases, yes. Delivery, installation, training, and other costs directly tied to putting the equipment into service can often be bundled into the financing amount.
Depending on the agreement, you may purchase the equipment at fair market or fixed residual value, renew the lease, or return the asset. Terms are reviewed upfront.
Ready to finance?
Start your equipment financing application in minutes.
A lendflo advisor will review your equipment quote, lender fit, and cash flow needs. Same-day decisions on many applications, with no obligation to proceed.
(416) 299-6096
Prefer to talk? Call and speak with an advisor.
Important disclosure: lendflo is a financing broker, not a direct lender. All financing is subject to eligibility, lender approval, equipment/vendor verification, final documentation, and lender conditions. Funding timelines are estimates and depend on applicant responsiveness, required documents, vendor confirmation, underwriting, and signing. This page is for informational purposes only and does not constitute a financing offer.