An equipment operator working at his machine on an autumn job site

Funding up to $1,000,000 · Approvals can come the same day · New or used, any seller

Equipment leasing for Canadian businesses

Get the equipment your business needs and keep your cash. Lease structures for new and used equipment.

Estimate your paymentExample rate 9%

Equipment cost

$1,967/month over 48 months

CBL funds up to $1,000,000

Example only, not a quote. The lease example includes a 10% buyout at the end of the term. Your rate depends on credit, time in business and the equipment.

Continue to application

The short answer

Equipment leasing lets your business use new or used equipment for a fixed monthly payment instead of paying the full price up front. It suits businesses that want to keep cash on hand for payroll and materials. We arrange leases on equipment from any seller across Canada, with funding up to $1,000,000 and approvals that can come the same day.

At a glance

CBL Financial is an equipment financing brokerage in Calgary, Alberta, that arranges equipment leases for businesses across Canada. Funding goes up to $1,000,000, terms run 24 to 72 months, and approvals can come the same day for straightforward files.

Equipment Leasing at a glance
What it is	Equipment leases, arranged through a lender network
Funding	Up to $1,000,000
Terms	24 to 72 months
Approval time	Same day possible for straightforward files
Where	Businesses across Canada, from a head office in Calgary, AB
Equipment	Dental equipment, Dump truck, Excavator, Forklift, Gym equipment, Medical imaging, Restaurant equipment, Semi-truck, Skid steer, Trailer
Sellers	New or used, from a dealer, auction or private seller
Rate and down payment	Set by the lender for each file, based on credit, the asset and its age

Buying equipment outright ties up capital your business needs for payroll, materials and growth. Leasing turns a major purchase into a predictable monthly payment, and lease payments on business equipment are often deductible as a business expense (your accountant can confirm the treatment for your lease).

As a brokerage, CBL Financial is not limited to one institution’s products or credit appetite. We prepare one application and present it to the lenders best suited to your industry, equipment type and credit profile, so you can compare more than one offer before you decide.

Why CBL

What you can expect

Used equipment expertise
Many lenders hesitate on used equipment and private sales. We work with the ones who fund them routinely, and it’s one of our core strengths.
Any seller, anywhere in Canada
Dealer, auction house or a trustworthy private seller. If the equipment can be verified, we can work on structuring the lease.
Payments matched to your revenue
Seasonal schedules, skip payments and step-up structures, where the lender offers them, so payments follow how your business earns.
Flexible end-of-term options
Buy the equipment for a pre-set amount, upgrade to newer equipment, or return it. You choose the outcome up front.

Our partners

Lenders we work with

Banks, credit unions and specialty lenders across Canada. We match your file to the ones that fit it.

How it works

A straightforward process

Step 1
Tell us about the equipment
A short application covers the equipment, the seller and the approximate price.
Step 2
We present it to our lender network
Your file goes to the lenders best matched to your industry, asset and credit profile.
Step 3
Choose your terms and get funded
Approvals can come the same day. The seller is paid directly and the equipment goes to work.

A smiling workshop owner checking a tablet in his metal shop

Eligibility

What lenders look for

Requirements vary by program. Not sure you qualify? Apply and a person at CBL will review your file.

Canadian registered business (any province)
Equipment with a verifiable serial number and reasonable remaining life
Startups and challenged credit considered, with the lease structured to fit the file

FAQ

Questions owners ask

Should I lease or take an equipment loan?

Leasing usually suits businesses that put cash flow and flexibility first, while a loan suits businesses planning to own the equipment long term. Lease payments are often lower, and end-of-term options let you upgrade or buy. A loan builds equity and lets you depreciate the asset. We can lay out both structures side by side so you can compare real numbers before deciding.

Can I lease or finance used equipment?

Yes, whether you are buying from a dealer, a private seller or at auction. Lenders look for a verifiable serial number, no outstanding liens and a supportable value.

How are lease payments treated for tax purposes?

Operating lease payments on business equipment are generally deductible as an operating expense. Equipment you own or finance is instead written off through Capital Cost Allowance (CCA), with interest deducted separately. The treatment depends on how the lease is structured, so talk to your accountant; we can provide whatever documentation they need.

What if my credit is less than perfect?

You may still qualify, though challenged credit usually changes the structure of the deal, for example a larger first payment or additional security. As a broker, we can take your file to other lenders when one says no.