Sprout IQ · Private proposal
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Proposal · Draft This is a private preview for Built Capital. Nothing is live or public until you approve it.

Equipment and working capital

Funding for the people who own the equipment

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 the months you do not earn are not the months you owe most.

Pickup trucks fitted with heavy snow plow blades, staged for the winter season
$5,000
The true floor. 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
Newly incorporated is the sweet spot, not the obstacle. Lenders read the directors.
Both
Banks and private lenders, so a file one desk declines still has somewhere to go.

Find your trade

We work trade by trade, not one size fits all

An operator cutting grass on a riding mower

Landscaping and snow

Mowers, skid steers, plow trucks and salters, with payments that can pause through your off season.

See landscaping →
An excavator digging on an open site

Excavation and site work

Excavators, track loaders and attachments, funded on the timeline your start date actually needs.

See excavation →
An arborist cutting a limb with a chainsaw against a clear sky

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.

A detailer polishing the panel of a car with a rotary buffer

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 conversation

Funding 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. Is that a problem?
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.
What does credit have to look like?
Credit is one factor in the file, not the whole file. It affects the rate and the structure. Bring the situation you actually have and we will tell you what is realistic.
Equipment and working capital

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
  • Newly incorporated is fine, we read the directors
  • Banks and private lenders, so the file goes where it fits
  • Funding from $5,000, no upper cap on the conversation

Send your details

Leaving your details is all it takes. Built Capital reaches out to you directly.