When your business needs essential equipment to grow, capital leasing is a powerful financing tool that allows you to acquire long-term assets without tying up your cash flow. Canadian Equipment Finance specialize in capital leases tailored to Canadian businesses, helping you access the tools, machinery, and vehicles needed to operate efficiently and expand strategically.
Whether you're in construction, transportation, manufacturing, or agriculture, our capital lease programs offer flexibility, tax benefits, and a path to ownership.
What is Capital Leasing?
Capital leasing, also known as a finance lease or lease-to-own agreement, is a type of lease where the lessee (you) assumes many of the risks and rewards of ownership. With a capital lease, the equipment appears as an asset on your balance sheet, and you have the option—or obligation—to purchase it at the end of the lease term, often for a nominal fee.
This model is ideal for businesses that plan to use the equipment long-term and want to own it eventually, but prefer to preserve working capital in the short term.
Key Features of Capital Leasing
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Long-term use of equipment
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Option to own at lease end
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Fixed monthly payments
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Asset is recorded on the lessee’s books
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Tax advantages including interest and depreciation deductions
Benefits of Capital Leasing Through Canadian Equipment Finance
At Canadian Equipment Finance, we work closely with you to structure capital leases that align with your cash flow, business goals, and operational timelines.
Preserve Working Capital
Instead of paying for equipment upfront, capital leasing allows you to spread the cost over time. This frees up capital for other important business initiatives such as staffing, marketing, or inventory.
Ownership at Lease-End
Unlike an operating lease where the equipment is returned, a capital lease gives you the option to purchase the equipment for as little as $1 at the end of the term—turning your lease into a long-term investment.
Tax Deductibility
Capital leases offer potential tax advantages. Since the equipment is treated as an owned asset, businesses can often deduct both depreciation and interest expenses, improving their overall tax position.
Customized Lease Structures
Our leasing experts work with your business to develop terms that meet your financial and operational requirements, with flexible durations, payment schedules, and end-of-term options.
Industries We Serve
Canadian Equipment Finance supports businesses across a wide range of industries. Our capital leasing solutions are built to support growth in equipment-intensive sectors:
Construction
From excavators and loaders to cranes and graders, we finance all types of construction equipment. Capital leases are ideal for businesses that need durable machines for long-term projects.
Manufacturing
For companies investing in CNC machines, lathes, assembly systems, or packaging lines, capital leasing provides access to vital production tools with minimal upfront costs.
Transportation
Trucking firms and logistics companies can lease everything from long-haul tractors and trailers to delivery vans. A capital lease helps you scale your fleet while keeping ownership in sight.
Agriculture
We help farmers acquire harvesters, tractors, sprayers, and other agricultural equipment with lease terms that align with seasonal cash flow and long-term ownership goals.
Forestry and Mining
Businesses in these industries rely on heavy-duty equipment for extended periods. A capital lease allows full use with the ability to purchase at term end—perfect for long-cycle operations.
What Can Be Leased?
We finance a broad range of equipment under capital lease agreements, including but not limited to:
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Construction machinery
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Heavy trucks and trailers
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Agricultural equipment
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Manufacturing machinery
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Oilfield service equipment
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Forklifts and warehouse equipment
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Medical and diagnostic equipment
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Printing and packaging machines
If it’s a capital asset essential to your business, chances are we can lease it.
Capital Leasing vs. Operating Leasing
Capital Lease Overview
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Treated as asset purchase
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Appears on balance sheet
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Depreciation and interest may be deductible
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Often includes a $1 buyout or similar ownership transfer
Operating Lease Overview
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Treated as rental
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Off-balance-sheet financing
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Typically shorter term
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Suited for temporary or rapidly depreciating equipment
Choosing the right lease type depends on how long you’ll need the equipment, whether ownership is important, and what financial strategy suits your business best. Our advisors can help you assess the best fit.
How Capital Leasing Works with Canadian Equipment Finance
We’ve made the process of obtaining capital lease financing straightforward, fast, and efficient.
Step 1: Apply for Pre-Approval
Submit a simple application online or speak with one of our leasing experts. We’ll review your needs and provide fast, obligation-free approval.
Step 2: Choose Your Equipment
Source your equipment from a vendor or dealer of your choice. Whether new or used, we can structure your lease to match the value and terms.
Step 3: Lease Structuring
We finalize your lease agreement, including term length, payment schedule, and end-of-term buyout. We ensure transparency and flexibility at every stage.
Step 4: Funding and Delivery
Once approved, Canadian Equipment Finance pays the vendor, and your equipment is delivered. You begin using the equipment immediately with manageable monthly payments.
Step 5: Lease Completion
At the end of the lease, you can purchase the equipment (often for a nominal amount), renew the lease, or explore options for upgrading.
Why Partner with Canadian Equipment Finance?
Canadian Equipment Finance is a trusted national provider of leasing solutions with deep experience in commercial equipment financing. Our team works one-on-one with business owners, CFOs, and operators to develop smart leasing programs that fuel productivity and reduce financial stress.
Trusted Across Canada
With clients across Alberta, British Columbia, Ontario, and throughout the country, we understand regional market conditions and industry-specific needs.
Fast and Flexible
We offer same-day approvals and funding within 24 to 48 hours for most capital leases, so your business never slows down waiting for equipment.
Transparent Terms
No hidden fees, no complicated contracts. Just clear, competitive leasing built for your business.
Vendor Neutral
You’re free to work with any vendor or equipment dealer across Canada. We’ll step in with financing support, regardless of where you shop.
Get Started with Capital Leasing Today
If you're ready to secure essential equipment for your business and work toward ownership while managing your finances wisely, a capital lease through Canadian Equipment Finance is the answer. Our goal is to help Canadian businesses thrive by offering custom financing solutions with long-term value.
Contact us today to speak with a leasing expert or apply online to get pre-approved in minutes. Capital leasing doesn’t have to be complicated—Canadian Equipment Finance makes it easy, fast, and built around your business.
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