Equipment financing leads
Business owners with an equipment quote in hand, delivered with what they are buying and when.
Equipment financing leads are business owners who have picked a truck, an excavator, a dental chair or a kitchen line and want a broker to help them pay for it, by loan or by lease. They arrive with a supplier quote and a date, which makes them some of the most time-bound files you will see. One plain word first: whether a mortgage licence covers equipment finance depends on your province and your own compliance advice, so we build campaigns only for products you are permitted to arrange.
- Owners with equipment type and timing stated
- Built only for products you are permitted to arrange
- Exclusive and never resold
Equipment financing leads, in 38 seconds
What an equipment financing inquiry looks like, how the file moves from quote to lender, and what the ads never promise.
Who sends equipment financing leads, and what lenders look at
Most equipment financing leads in Canada come from five kinds of business. The machine shapes the file as much as the borrower does, so it pays to know what a lender will ask about before you pick up the phone.
Trucking and owner-operators
A driver buying a used tractor unit to lease onto a carrier, or a small fleet adding a reefer trailer. Lenders often look hard at the age and mileage of a used truck, the driver's years in the industry and the contract the truck will work under.
Construction and excavation
Excavators, skid steers, loaders and dump trucks, usually bought from a dealer. Many dealers have a manufacturer finance desk, so the owner already has one offer. Your pitch is comparison and structure, and the timing usually runs ahead of the building season.
Medical, dental and veterinary clinics
Imaging units, dental chairs, lasers and the fit-out around them. Banks court these professionals with practice lending teams, so the owner may arrive with an offer to compare. The same dentist will want a mortgage one day, which makes the relationship worth more than one deal.
Restaurants and food service
Kitchen lines, walk-in coolers, ovens and dish machines, often bought used. Restaurant equipment can lose resale value quickly, so expect lenders to ask for more cash down or a stronger guarantor than they would on a truck.
Manufacturing and machine shops
CNC machines, presses and packaging lines, sometimes imported or bought at auction. Shipping, rigging and installation can be a real share of the bill, and not every lender will finance those soft costs, so ask what the quote includes.
Farm machinery is a different file
Tractors, combines and grain carts run through agricultural lenders and programs, and the Canada Small Business Financing Program excludes farming businesses. Producers belong with farm mortgage leads, not in an equipment campaign.
From quote to funded: how an equipment file moves
Equipment buyers are the most deadline-driven business owners you will meet. The file moves in three stages, and the first one is already done when they contact you.
Quote in hand
The owner has a supplier quote, a contract waiting on the equipment or a machine that just failed. The form records the equipment, new or used, and rough cost.
Lender match
You settle lease or loan, then compare lenders, including Canada Small Business Financing Program loans where the business qualifies. Banks and credit unions make those loans.
Funding
The lender makes the decision, registers its security and pays the supplier. Nothing in the ads promises an approval or a timeline.
Lease or loan: the first question on most equipment files
Most owners ask for financing without having decided between a lease and a loan. These are the common structures and where each tends to fit. Tax and accounting treatment is for the client's accountant, not for you or for us.
| Structure | How it works | Where it tends to fit |
|---|---|---|
| Equipment loan | The business owns the equipment from day one, and the lender registers a security interest against it. | Owners who want the asset on their books and plan to run it for its working life. |
| Lease with a buyout | The lessor owns the equipment during the term, and the business can buy it at the end for the amount set in the lease. | Owners who want to keep cash in the business up front and expect to keep the machine. |
| Fair market value lease | At the end of the term the business returns the equipment, renews, or buys it at its market value then. | Equipment that dates quickly, such as technology and some medical devices. |
| CSBFP term loan | A loan from a bank or credit union under the federal Canada Small Business Financing Program, with security taken on the equipment financed. | Eligible small businesses that want a bank loan and can wait for a bank process. |
| Dealer or manufacturer financing | Finance offered at the point of sale, sometimes with promotional terms on new equipment. | Buyers already at the dealer. A broker earns the file by comparing, especially on used equipment the dealer program will not touch. |
Terms vary by lender and lessor. This table describes the structures, not any lender's offer.
New or used: why the form asks, and the lien check on a private sale
New equipment from a dealer is the simplest file. Used equipment raises two questions: what is it worth, and does someone else already have a claim on it?
Lenders often cap the age of used equipment they will finance and may want an appraisal or a serial number check on bigger items. A private sale adds a risk the buyer rarely thinks about: an unpaid loan on the seller's truck can follow the truck. Outside Quebec, lenders search the provincial Personal Property Security Act registry before funding. In Quebec, security on movable property is governed by the Civil Code and published in the Register of Personal and Movable Real Rights, the RDPRM. That is why the form asks new or used, and why the seller's details are worth getting on the first call.
How to qualify an equipment financing lead on the first call
Start with the quote. An owner who can send a supplier quote or a bill of sale today is a live file. One who is still shopping belongs in your follow-up, not your pipeline.
- The quote or bill of sale. Make, model, year and price, and whether delivery, installation and taxes are in the number.
- Time in business. A business in its first year or two is a different file from an established one, and many lenders treat start-ups separately.
- The owner's credit. On small-business equipment deals, lenders often ask the owner to sign a personal guarantee, so personal credit matters even when the borrower is a corporation.
- Cash down or a trade-in. Whether there is a down payment, a trade or neither changes which lenders will look at it.
- Financial statements. Larger amounts usually need statements and tax returns. An owner who has them ready moves faster.
- The deadline. The contract, the auction date or the job the equipment is needed for. Call while the quote is fresh, inside calling hours.
Equipment financing leads vs business funding leads
An equipment financing lead asks one narrow question: how do I pay for this machine? A business funding lead is broader, covering working capital, cash flow, premises or a mix, with the use of the money still open.
That difference changes the work. On an equipment file the machine is usually the main security, so the deal turns on the asset, the quote and the owner's credit. A business funding file turns on cash flow and on which interest and licensing rules fit the product. For the wider owner-operator audience, start with business funding leads. For buyers with a quote in hand, this campaign is narrower, and the ads say so.
Equipment buyers are also self-employed borrowers you may meet again at mortgage time, which is why some brokers pair this campaign with self-employed mortgage leads. Owners buying the building itself fit commercial mortgage leads.
What the form captures and what the ads cannot say
On the form. Business type and time in operation, province, kind of equipment, new or used, rough cost and timing. Each answer sorts the lead: the equipment points to a lender group, new or used tells you whether a lien search and appraisal are coming, and the timing tells you whether to call today or next month.
Advertising. No guaranteed approval, no promised speed, no government logos and no implied government backing for CSBFP. Financing ads on Meta run under a special ad category with narrower targeting, which is why Google Ads carries most of this work. Put your brokerage name and licence details on the ad where your province requires it.
Read how exclusive pay per lead works, or book a free strategy call to check whether equipment fits what you are permitted to arrange. The company behind this site is Amplify Leads, month to month with no long contracts.
Questions brokers ask us
Does my mortgage licence cover equipment financing?
Not automatically. A loan or lease secured on a truck or a machine is not secured on real property, so whether your mortgage licence covers it, or whether another licence applies, depends on the province and on your own compliance advice. Ask your regulator and your brokerage first, and we build only for the products you confirm.
What is the difference between an equipment lease and an equipment loan?
With a loan, the business owns the equipment and the lender holds security on it. With a lease, the lessor owns the equipment for the term, and at the end the business may buy it, return it or renew, depending on the lease. Which one suits a client is a question for their accountant as much as their lender.
Can used equipment be financed?
Often, yes. Lenders look at the age, condition and resale value of used equipment and may limit how old it can be. On a private sale, the lender will search the provincial personal property registry, or the RDPRM in Quebec, for existing liens before it funds.
Is equipment eligible for the Canada Small Business Financing Program?
Yes, within limits. The program covers term loans for buying or improving equipment, made by banks and credit unions, which take security in the equipment financed. Farming businesses are excluded. The lender confirms eligibility, so neither you nor the ad should suggest a CSBFP loan is assured.
Which channel works best for equipment financing leads?
Google Search, mostly. An owner with a quote open in another tab types equipment financing, truck loan or excavator financing, and that intent is hard to find on social. Financing ads on Meta run under a special ad category with narrower targeting, so Facebook and Instagram play a smaller part here.
How do I get these leads?
Run a managed campaign under your own name, or pay per lead in the provinces you work in. Each inquiry is exclusive to you and never resold. Start with a free strategy call so we can confirm which products you are permitted to arrange before anything goes live.
See what a campaign would look like in your market
A free 30-minute call. We look at your province, your products and what is already working, and map out what we would build. If it is not a fit, you will hear that too.