Equipment Financing Guides
25 expert guides written for Canadian contractors — not bankers. Real answers about financing, credit, payments, and getting the equipment you need.
Financing Core
Essential guides to equipment financing in Canada
How to Finance Heavy Equipment in Canada
Complete guide to financing heavy equipment in Canada. Lender types, requirements, rates, and step-by-step process for contractors.
Read the full guideEquipment Financing With Bad Credit: What Actually Works
Realistic equipment financing options for bad credit in Canada. What works, what does not, and how to get the best deal possible.
Banks vs. Private Lenders: Which Is Right for Equipment Financing?
A straight comparison of banks and private lenders for equipment financing in Canada. Rates, approval speed, flexibility, documentation, and when each option makes sense for contractors.
How to Compare Equipment Loan Rates in Canada
Learn how to actually compare equipment financing rates in Canada. Understand APR vs stated rate, hidden fees, rate tiers by credit, and how to shop without hurting your score.
What Credit Score Do You Need for Equipment Financing?
Credit score requirements for equipment financing in Canada. What each score range means and your real options at every level.
How Much Down Payment Do Lenders Require for Equipment Financing?
Typical down payment requirements for equipment financing in Canada. What affects the amount and strategies to reduce it.
Equipment Financing for a Newer Business (Under 2 Years)
How to finance heavy equipment when your business is under 2 years old. Covers what lenders require, alternative paths to approval, documentation tips, and realistic expectations for newer Canadian contractors.
Equipment Financing for Sole Proprietors and Owner-Operators
How sole proprietors and owner-operators can finance heavy equipment in Canada. Covers personal credit reliance, documentation requirements, application strategies, and building business credit from scratch.
Lease vs. Finance: Which Makes More Sense for Contractors?
A clear breakdown of leasing vs. financing equipment for Canadian contractors. Covers ownership, tax implications, monthly payments, flexibility, and when each option is the better choice.
What Happens If You Default on Equipment Financing?
A straightforward guide to what actually happens when you default on equipment financing in Canada. Covers the timeline from missed payment to repossession, credit impact, deficiency balances, and how to avoid or recover from default.
Excavators
Everything about financing and evaluating excavators
How to Finance an Excavator in Canada
The complete guide to excavator financing in Canada. Covers mini, mid-size, and full-size excavators, what lenders look for, rates, terms, and how to get approved.
Read the full guideAverage Price of a Used Excavator in Canada (2025)
Current used excavator prices in Canada broken down by size class, model, year, and hours. Includes pricing tables, factors that affect value, where to buy, and how price impacts financing.
Can You Finance a 2012 Cat 320? (Equipment Age Guide)
Yes, you can finance a 2012 Cat 320 — with the right lender and conditions. This guide covers age thresholds, what makes older Cat excavators financeable, and strategies for financing equipment that is 10-15 years old.
How Many Hours Is Too Many on an Excavator?
Understand excavator hour thresholds by size class, what hours mean for different work types, how hours affect financing and pricing, and when to walk away from a high-hour machine.
What's the Monthly Payment on a $150K Excavator?
Real monthly payment calculations for a $150,000 excavator at different rates, terms, and down payments. See exactly what you will pay and how to budget.
Can You Finance a Used Excavator? (The Real Answer)
Yes, you can finance a used excavator in Canada. Here is what lenders look at, what kills deals, and how to get approved.
Skid Steers
Skid steer financing, pricing, and evaluation guides
Skid Steer Financing Canada: The Complete Guide
Everything you need to know about financing a skid steer in Canada. Models, prices, rates, terms, lease vs buy, and how to get approved.
Read the full guideAverage Price of a Used Skid Steer in Canada (2025)
Current used skid steer prices in Canada by brand, model, year, and hours. Bobcat, Cat, John Deere, Kubota, and Case pricing with market trends.
Can You Finance a Used Skid Steer With Bad Credit?
Yes, you can finance a used skid steer with bad credit in Canada. Here are your realistic options, what to expect on rates and down payments, and strategies to get approved.
How Many Hours Is Too Many on a Skid Steer?
Learn what 3,000, 5,000, and 8,000 hours really mean on a skid steer. How hours affect value, financing, and reliability — with inspection tips at each threshold.
Dozers & Heavy Iron
Dozer and heavy equipment financing guides
Dozer Financing Canada: What You Need to Know
Complete guide to financing a dozer in Canada. Models, prices, rates, terms, and what lenders look for on bulldozer deals from Cat D3 to D11.
Read the full guideCan Banks Finance 10,000-Hour Equipment?
Most banks will not finance equipment over 10,000 hours, but alternatives exist. Here is why banks draw the line, what 10,000 hours really means, and how to get high-hour equipment funded.
What's the Monthly Payment on a Cat D6 Dozer?
Realistic monthly payment estimates for financing a Cat D6 dozer in Canada. Price ranges by year, payment tables, total cost analysis, and budgeting tips for contractors.
Logging & Specialty
Financing guides for logging and specialty equipment
Logging Equipment Financing Canada: Full Guide
Everything you need to know about financing logging equipment in Canada. Covers skidders, feller bunchers, forwarders, processors, and log trucks. Provincial considerations for BC, Alberta, and Ontario.
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