Equipment and working capital
Funding for operators buying their next machine
Built Capital arranges equipment finance and working capital for Canadian owner-operators. Cash funding, equipment finance, or lease-to-own ending at a $20 buyout. On seasonal work we can structure payments around your season, so a five-month earning window does not have to set the size of your fleet.
- First to fifth
- The first machine or the fifth. No fixed ceiling, and the number depends on the asset and the directors.
- $20
- The buyout at the end of a lease-to-own term, which is why many operators prefer it.
- 0 to 2 yrs
- Year one is when you buy the most, and lenders read the directors rather than trading history.
- Both
- Banks and private lenders read the same file, so you take the structure that fits the plan.
Find your trade
We work trade by trade, not one size fits all
Landscaping and snow
Mowers, skid steers, plow trucks and salters, with payments that can pause through your off season.
See landscaping →
Excavation and site work
Excavators, track loaders and attachments, funded on the timeline your start date actually needs.
See excavation →
Tree service
Chippers, chip trucks and climbing gear, with payments that can ease through the quiet months.
See tree service →Not one of those three
We fund plenty of trades that are not on this page
Detailing, plumbing, electrical, HVAC, roofing, auto repair, trucking. If you are buying a vehicle, a machine or the gear that goes in them, the conversation is the same one.
Tell us what you are trying to buy and where the business is going. We work back to the number from there rather than starting with a form.
Tell us what you are trying to buy
Leave your details and Built Capital calls you back. No application to fill in first, and nothing is pulled on your credit until you say so.
Start a funding conversationFunding is arranged through third-party banks and private lenders. Terms, rates, structures and approval depend on the file.
Frequently asked questions
How much can I get?
The floor is $5,000 and there is no fixed ceiling. What is realistic depends on the asset, the directors, and where the business is going. That is the first conversation, not a form field.
My corporation is only a few months old. Does that limit what I can buy?
Usually the opposite. A new corporation starts with a clean slate, and lenders read the directors' credit rather than two years of statements. A lot of the operators we fund incorporated in the last year or two.
What does a seasonal structure actually mean?
On lease-to-own we can arrange for payments to pause through your off months and resume when your season does. It suits snow, landscaping and tree work, where revenue is concentrated in part of the year. It is arranged per file, not a switch you flip later.
Should I lease or buy?
It depends on the asset and your books. Lease-to-own ends at a $20 buyout and the payments may write off, which is why a lot of operators choose it. Talk to us before you sign for the truck and we will walk through both.
How much equipment can I carry at once?
Running more than one file at a time is normal as a fleet grows. What is realistic depends on the equipment, the directors and where the business is going, which is the first conversation rather than a form field.
Request a callback
Leave your details and Built Capital gets back to you directly to set up a time that works for you.
- Seasonal and skip-payment structures on lease-to-own
- Year one is the sweet spot, lenders read the directors
- Banks and private lenders, so the file goes where it fits
- The first machine or the fifth, with no fixed ceiling
Send your details
Takes under a minute
Thanks, you're all set. Built Capital gets back to you directly to set things up.