Helping Canadian businesses put equipment to work since 2010
Equipment financing & leasing across Canada.
Merrit Capital helps Canadian businesses lease and finance new or used revenue-generating equipment. From landscaping and snow removal to trucking, construction, forestry and professional practices, we organize the financing around your equipment and business.
One clear process from the first request through documentation.
Financing services
Equipment leasing, financing and business cash flow
Equipment leasing is our core business. We also arrange conditional sales contracts, sale-leasebacks, working capital financing and accounts receivable factoring for Canadian companies.
Equipment leasing
Spread the cost of new or used equipment over an agreed term. Compare payments, purchase options and end-of-term obligations.
Explore options →Equipment financing
Finance revenue-generating machinery, trucks and equipment packages from dealers, auctions or eligible private sellers.
Explore options →Conditional sales contracts
Compare a purchase structure with equipment leasing, including the payment schedule and conditions for ownership.
Explore options →Sale-leaseback & refinancing
Explore releasing equity from eligible equipment your company already owns while keeping it working.
Explore options →Working capital financing
Discuss funding for operating needs such as payroll, materials and the timing gap between expenses and customer payments.
Explore options →Accounts receivable factoring
Explore converting eligible unpaid business invoices into working capital. Customer credit and invoice terms matter.
Explore options →Industries served
Equipment for the industries Merrit knows
Landscaping, snow removal, towing, dump trucks, site preparation, road building, drilling, mining, forestry, dental and medical equipment are key areas of focus. If an asset generates business revenue, talk to us about financing it.
Landscaping
Commercial mowers, compact loaders, skid steers, excavators and landscape trailers.
Explore options →Snow removal
Plow trucks, snow pushers, salt spreaders, loaders and commercial snow equipment.
Explore options →Towing & recovery
Flatbed tow trucks, wreckers, rollbacks and recovery equipment for towing operators.
Explore options →Road building & site preparation
Excavators, graders, dozers, compactors and equipment for grading and civil construction.
Explore options →Drilling, mining & forestry
Drill rigs and support assets, with dedicated guidance for mining and forestry equipment.
Explore options →Medical & dental
Chairs, imaging systems, sterilization equipment and commercial practice equipment.
Explore options →Also explore dump truck financing, mining equipment financing, forestry equipment financing and all industries.
Canadian businesses only
Equipment financing from Ontario to the coasts and territories
Merrit serves companies across Canada through a remote application and documentation process. We do not provide financing to businesses in the United States.
Northern & Southern Ontario
Equipment for landscaping, snow removal, towing, construction, forestry and professional practices.
Explore options →Winnipeg & Manitoba
Trucks, construction equipment and revenue-generating assets for Winnipeg and Manitoba businesses.
Explore options →Saskatchewan
Equipment for contractors, transport operators, agriculture and resource businesses.
Explore options →Alberta
Financing for construction, road building, drilling, transportation and field-service equipment.
Explore options →British Columbia
Forestry, construction, trucking and commercial equipment across BC.
Explore options →Atlantic Canada
Serving Nova Scotia, New Brunswick, Prince Edward Island, and Newfoundland and Labrador.
Explore options →Northern operations: Yukon, Northwest Territories and Nunavut equipment financing. We also welcome inquiries from businesses in Quebec.
Equipment categories
Start with the asset you are buying
Find financing guidance for the equipment itself, including used-condition details, seller requirements and common purchase scenarios.
Heavy equipment
Finance new and used dozers, loaders, graders, rock trucks and other heavy equipment for Canadian commercial operations.
View financing details →EquipmentExcavators
Finance excavators, mini excavators, long-reach units and attachment packages for Canadian contractors and commercial operators.
View financing details →EquipmentSkid steers & compact track loaders
Finance skid steers, compact track loaders and attachment packages for construction, landscaping and property-service work.
View financing details →EquipmentDump trucks
Finance new and used dump trucks, gravel trucks, tri-axles and specialized dump units for Canadian commercial operators.
View financing details →EquipmentSemi trucks
Finance new or used day cabs, sleepers and highway tractors for Canadian owner-operators, transportation businesses and commercial fleets.
View financing details →EquipmentCommercial trailers
Finance dry vans, reefers, flatbeds, lowboys, dump and specialty trailers for Canadian fleets, contractors and specialized hauling businesses.
View financing details →EquipmentWork & service trucks
Finance service trucks, contractor vans, utility trucks and permanent vehicle upfits for Canadian trades, field-service teams and businesses.
View financing details →EquipmentLoaders & compact equipment
Finance wheel loaders, compact loaders, telehandlers and attachments for Canadian construction, landscaping and material-handling businesses.
View financing details →A straightforward process
From equipment quote to funding
Start with the equipment quote and a few business details. Merrit coordinates the request, explains available structures and helps move an approved transaction through documentation and funding.
Share the asset and seller
Provide the quote or listing, purchase price, specifications and delivery deadline.
Explain how it earns
Tell us about the company, operating history and reason for the purchase.
Structure and credit review
Merrit Capital organizes the request and outlines any additional information required.
Documents and delivery
After approval, final seller, insurance, signature and funding conditions are coordinated.
For equipment vendors
Help customers solve the financing question sooner.
Merrit Capital works with Canadian equipment dealers and vendors to help customers arrange financing for their purchases. Bring financing into the conversation while the equipment, price and delivery plans are being finalized.
Frequently asked questions
Clear answers before the application
Get straightforward answers about eligibility, equipment, service areas and the information needed to start.
What types of equipment does Merrit Capital finance?
Merrit Capital arranges financing and leasing for new and used revenue-generating commercial equipment. Specialties include landscaping, snow removal, towing, dump trucks, site preparation, road building, drilling, mining, forestry, dental and medical equipment. Other commercial assets can also be considered.
Can used equipment be financed?
Yes. Used commercial equipment may be considered based on age, hours or kilometres, condition, value, seller and the strength of the full request.
Can I buy equipment from a private seller?
Eligible private-sale transactions may be financed after ownership, liens, condition, value, seller identity and the funding process are verified.
Does Merrit Capital finance equipment across Canada?
Yes. Merrit Capital serves Canadian companies across all provinces and territories, including Northern and Southern Ontario, Atlantic Canada, Winnipeg and Manitoba, Saskatchewan, Alberta, British Columbia, Yukon, Northwest Territories and Nunavut. Applications and documentation can be handled remotely. Merrit does not finance businesses in the United States.
What information should I send first?
Start with the equipment quote or listing, purchase price, seller, delivery deadline, legal business name, time in business and a short explanation of how the asset will be used.
Is equipment-financing approval guaranteed?
No. Every transaction is subject to lender credit approval, asset acceptance and standard documentation.
Does Merrit offer equipment leases or business loans?
Equipment leasing is Merrit Capital’s core business. Depending on the transaction, we also arrange conditional sales contracts, equipment sale-leasebacks, working capital financing and accounts receivable factoring. The appropriate structure depends on the business need, asset or invoices, and lender review.
Have equipment in mind?
Tell Merrit Capital what you are buying, the approximate amount, the seller and the timing. We will explain the financing options and information needed to move your request forward.