Equipment Financing Up to 100% With Minimal Upfront Cost

Your business needs equipment to operate and grow. Paying cash drains working capital that should cover payroll, inventory, and unexpected expenses. At Inspired Management Consulting, we help Canadian businesses finance trucks, machinery, restaurant equipment, medical devices, and technology with minimal upfront cost. Get approved in as little as 24 hours and keep your cash where it belongs.

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Smart Business Move

Finance the Equipment and Save Your Cash for Growth

Equipment is a depreciating asset. The moment you drive that truck off the lot or install that oven in your kitchen, its value drops. Tying up $50,000 or $100,000 in cash for something that loses value makes no financial sense. Meanwhile your business needs that capital for marketing, hiring, and handling slow months.

Financing spreads the cost over time while the equipment generates revenue from day one. Lease payments are often 100% tax deductible as operating expenses. Loan interest and depreciation provide capital cost allowance deductions. You keep cash liquid, maintain credit availability, and upgrade to newer equipment every few years instead of being stuck with aging tools.

Restaurant equipment leasing Construction equipment finance

Lease vs Loan Which Structure Fits Your Business

An equipment lease keeps the asset on the lender’s books until you exercise a buyout option. Upfront costs are minimal, often just first and last month payments. Monthly payments qualify as operating expenses for full tax deduction. At term end you return the equipment, upgrade to newer models, or purchase at fair market value or a fixed $10 buyout depending on lease structure.

An equipment loan makes you the owner from day one. Down payments run 10 to 20 percent of equipment value. You claim capital cost allowance on depreciation and deduct loan interest. Once the loan is paid, you own the asset outright with no further payments. Loans suit long-term equipment like heavy trucks and machinery you plan to run for a decade or more.

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What We Finance

From Heavy Machinery to Kitchen Equipment

Every business relies on different tools. Construction runs on excavators and skid steers. Restaurants need commercial ovens and refrigeration. Trucking companies need reliable vehicles on the road. We work with lenders who specialize in your industry and understand the equipment you need.

Support

+1(403)975-1705
info@inspiredconsulting.ca

Transportation and Trucking

Semi-trucks, trailers, delivery vans, and commercial vehicles. New and used. Finance your fleet expansion or replace aging vehicles without large cash outlays.

Construction and Heavy Equipment

Excavators, bulldozers, skid steers, forklifts, cranes, and yellow iron. Lenders who understand construction cycles and seasonal cash flow.

Hospitality and Food Service

Commercial ovens, refrigerators, freezers, dishwashers, coffee machines, and POS systems. Get your kitchen running without draining startup capital.

Medical and Fitness

Dental chairs, diagnostic machines, imaging equipment, gym machines, and physiotherapy tools. Specialized lenders for healthcare and fitness industries.

Why Choose Us

Real Support for Real Business Owners

Most consultants hand you a report and disappear. We work alongside you. From finding the right loan to managing your books, we stay involved until you see real results. Your problems become our problems and we do not walk away until they are solved.

A rejected application is not the end of the road. We review your situation, fix the gaps, and reapply with lenders who are more likely to say yes. We push until you get funded.

No two businesses are the same. We look at your specific numbers, your industry, and your goals before recommending anything. You get a plan built for you, not a recycled template.

Business loans, personal financing, and management support all under one roof. You do not need to juggle multiple advisors. One call to us handles everything.

About Inspired Management Consulting

Licensed Advisors

Our team includes certified professionals who meet industry standards and stay updated on regulations that affect your business.

10+ Years Experience

We have spent a decade helping small business owners across Canada navigate financing and management challenges.

No Hidden Fees

You will know exactly what you are paying for upfront. No surprise charges and no fine print that works against you.

Local Canadian Team

We are based in Canada and understand the local lending landscape, tax rules, and challenges small businesses face here.

Clients we’ve partnered with

  • Brentwood 1
  • Easylink 1
  • Flagship 1
  • SGS consultation
  • RR 1
  • Brentwood
  • Flagship
  • Easylink
  • SGS Constultation
  • RR
Restaurant equipment leasing Construction equipment finance

We Connect You With the Right Equipment Lender

Equipment lenders specialize by industry and asset type. The lender who finances restaurant equipment is different from the one financing construction machinery. We assess your equipment needs, business profile, and credit situation then match you with lenders who approve businesses like yours.

Applications under $50,000 often require no financials. Just a simple one-page credit application with approval in 4 to 24 hours. Larger amounts need bank statements and business documents which we help you prepare. Once approved, your vendor gets paid and you get your equipment. We handle the process so you focus on running your business.

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FAQ’s

Equipment financing allows you to acquire machinery, vehicles, and tools through a lease or loan instead of paying cash upfront. You spread the cost over time while using the equipment to generate revenue immediately.

A capital lease is structured so ownership transfers to you at the end of the term. The asset appears on your balance sheet as owned equipment. Also called a finance lease. This structure suits businesses that want to own the equipment long term.

An operating lease keeps the asset off your balance sheet. You use the equipment for a set term then return it, upgrade, or purchase at fair market value. Monthly payments are fully deductible as operating expenses.

A progress draw is a scheduled release of construction loan funds tied to completed work. The quantity surveyor inspects the site, verifies milestone completion, and approves the draw request. Lenders release funds based on this verification.

A $10 buyout lease lets you purchase the equipment at term end for a nominal $10. Monthly payments are higher than fair market value leases but you own the asset outright at the end. Ideal for equipment with long useful life.

Yes. Lenders finance both new and used equipment. Used equipment may require inspection or valuation. Older equipment has shorter financing terms. We connect you with lenders who specialize in used asset financing.

Yes. Subprime equipment lenders approve borrowers with bad credit, past bankruptcies, or limited credit history. Approval is based on business cash flow, equipment value, and down payment. Rates are higher but financing is available.

App-only financing is a streamlined process for equipment under $50,000. No financial statements required. You complete a simple one-page application and lenders approve based on credit profile and business history.

A lease rate factor is a multiplier used to calculate monthly payments. Multiply the equipment cost by the rate factor to get your monthly payment. A $50,000 asset with a 0.025 rate factor equals $1,250 per month.

Yes. Operating lease payments are typically 100 percent deductible as business expenses. Capital leases and loans allow deductions for interest and depreciation through capital cost allowance. Consult your accountant for your specific situation.

A sale-leaseback converts equipment you own into immediate cash. A lender purchases your equipment and leases it back to you. You continue using the asset while receiving a lump sum for working capital, debt payoff, or expansion.

Yes. Startups with less than two years in business qualify through lenders specializing in new businesses. Stronger personal credit, larger down payments, and equipment with strong resale value improve approval odds.

No. We are not a lender. We act as your advisor and connect you with equipment lenders who specialize in your industry and equipment type. We handle the application process and negotiate terms on your behalf.

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