COMMERCIAL EQUIPMENT FINANCING • CANADA
Lease-to-own Equipment Financing
Put new or used commercial equipment to work now, preserve working capital, and follow a clearly documented path to ownership.
Lease for as little as $5,000and no preset maximums
Within 24 hoursTarget approval window
New or usedEligible commercial equipment
A CLEAR COMMERCIAL STRUCTURE
What Lease-to-own equipment financing means
Lease-to-own equipment financing is a commercial financing structure that lets a Canadian business use equipment now and follow a defined purchase path at the end of the term. It is a form of commercial equipment leasing designed for businesses that expect to own the asset through the documented end-of-term option. The lender retains ownership during the agreement; the business makes scheduled payments and may acquire the equipment according to the documented end-of-term option. Exact buyout terms vary by lender and transaction.
WHY BUSINESSES USE IT
Protect liquidity without putting growth on hold.
The right structure aligns the cost of an asset with the value it creates for the business.
Preserve working capital
Keep cash available for payroll, inventory, hiring, and opportunities instead of concentrating it in one equipment purchase.
Plan predictable payments
Build equipment costs into a regular operating budget and structure payments around the asset and business cycle.
Finance a complete project
Eligible freight, installation, software, and training costs may be included when the lender and transaction allow.
Define the ownership path
Know the documented end-of-term purchase option before committing, rather than treating ownership as an assumption.
WHAT CAN BE FINANCED
Equipment that earns, supports, or protects revenue.
Operating equipment
Construction, transportation, agriculture, forestry, manufacturing, snow-removal, and material-handling equipment.
Technology and professional assets
Medical, dental, office, audiovisual, hospitality, fitness, wellness, and other commercial systems.
New or used purchases
Dealer, supplier, and eligible private-sale transactions can be considered based on the asset, seller, and lender requirements.
HOW IT WORKS
One conversation, then the right lender path.
01
Define the purchase
Share the equipment, seller, total project cost, timing, and how the asset will support the business.
02
Complete the application
Provide the business, ownership, and supporting information required to assess the request.
03
Shop the structure
The Lease2Grow team works through the Affiliated Financial Services partner network to identify an appropriate lender and payment path.
04
Review before signing
Confirm the payment schedule, security requirements, conditions, and documented end-of-term option.
COMMON QUESTIONS
Lease-to-own financing, in plain language.
Is Lease-to-own financing the same as an equipment loan?
Not exactly. In a lease structure, the lender generally owns the equipment during the term and the agreement defines the purchase option available at the end. A loan normally transfers ownership to the borrower at purchase. A member of the Lease2Grow team can explain which structure is being proposed before you proceed.
Can Lease2Grow finance used equipment?
Used commercial equipment can be considered. Eligibility depends on the equipment type, age, condition, seller, valuation, and the lender reviewing the transaction.
Is a down payment always required?
No single rule applies to every transaction. The required upfront amount depends on the applicant, equipment, lender, and structure. Any deposit or advance payment will be shown in the proposed terms.
Are Lease-to-own payments tax deductible?
Tax treatment depends on the agreement and your business circumstances. Lease2Grow does not provide tax advice; review the proposed structure with your accountant or tax advisor.
READY TO MOVE
Put the equipment to work without draining the business.
Start the application or talk through the equipment, seller, and timing directly with the Lease2Grow team.
Lease2Grow.com is an affiliated leasing broker of Affiliated Financial Services, providing personalized and prompt service for commercial equipment financing and leasing.