Equipment Financing up to $5,000,000
Acquire the trucks, machinery, technology, or specialized equipment your business needs — without draining cash reserves. Up to 100% financing with terms structured around your cash flow.
Start an applicationVoxen Capital structures equipment financing for Canadian businesses, starting at $10,000, with up to 100% financing on new or used commercial equipment from any vendor. Terms typically run 24 to 84 months, structured around the equipment's revenue-producing lifespan. The equipment itself serves as collateral, which generally results in better rates than unsecured financing.
What is equipment financing?
Equipment financing is a structured loan or lease used to acquire business equipment — trucks, trailers, construction machinery, manufacturing tools, medical devices, restaurant equipment, IT infrastructure, or any income-generating asset. The equipment itself acts as collateral, which typically results in better rates and longer terms than unsecured financing.
Voxen Capital structures equipment financing from $10,000 to $5,000,000 for Canadian businesses. We finance both new and used equipment from any vendor, with up to 100% financing including soft costs like installation, training, and freight. Terms run from 24 to 84 months, structured to match the equipment's revenue-producing lifespan.
Approval is faster than traditional bank equipment loans — most clients receive a structured offer within 24 hours and complete funding within 3 to 5 business days. We work with your equipment vendor directly to streamline delivery and invoicing.
Best for these business situations
- Acquiring trucks, trailers, or fleet vehicles
- Purchasing construction or heavy machinery
- Manufacturing equipment and production lines
- Medical, dental, or veterinary equipment
- Restaurant equipment and commercial kitchens
- IT infrastructure, servers, and software systems
- Used equipment from auctions or private sellers
- Refinancing existing equipment to free up cash
Less suited to
- General working capital needs unrelated to equipment (use a term loan or LOC)
- Equipment outside accepted age limits with no maintenance records
- Pre-revenue startups with no business operating history
- Buyers expecting guaranteed approval or zero-down on every file
How it works
- Choose your equipment — Get a quote from any vendor — new, used, dealer, or private sale. Submit the equipment specs and your basic business info.
- Get structured in 24h — Our team structures the financing — loan vs. lease, term length, down payment — to match your cash flow and tax strategy.
- Vendor paid, equipment delivered — We pay your vendor directly. You take possession of the equipment and start producing revenue while monthly payments begin.
Equipment financing structure
| Equipment Value | $10,000 – $5,000,000 |
|---|---|
| Financing Amount | Up to 100% incl. soft costs |
| Term Length | 24 to 84 months |
| Interest Rate | Competitive, equipment-secured rates |
| Down Payment | $0 to 20% depending on profile |
| Structure | Loan, lease, or lease-to-own |
| Equipment Type | New or used, any vendor |
| Time to Funding | 24 hours to 5 business days |
At a glance
| Financing | Up to 100% |
|---|---|
| Equipment Value | From $10K |
| Terms | 24–84 mo |
Frequently asked questions
What kinds of equipment can I finance through Voxen?
Voxen finances any business-use equipment that produces income or supports operations: heavy trucks and trailers, construction machinery, manufacturing equipment, medical and dental devices, restaurant kitchens, IT infrastructure, agricultural equipment, and specialty tools. We finance both new and used equipment from any vendor — dealer, manufacturer, auction, or private sale.
Can I finance 100% of the equipment cost?
Yes, in most cases. Voxen structures up to 100% financing including soft costs like delivery, installation, training, and software. Some lenders may require a down payment of 5–20% depending on the equipment age, your time in business, and credit profile. New equipment from established dealers typically qualifies for full financing.
Should I finance, lease, or lease-to-own?
It depends on your tax strategy and equipment lifecycle. A loan builds ownership and the equipment depreciates on your books — best when you'll keep the equipment long-term. A lease offers lower monthly payments and full deductibility — best for equipment that ages quickly. Lease-to-own combines both: lower payments during the lease, with a $1 buyout at end. Our advisors structure based on your accountant's input.
What rates can I expect on equipment financing?
Equipment financing rates are competitive and structured based on equipment type, age, vendor, time in business, and credit profile. Because equipment serves as collateral, rates are typically lower than unsecured term loans for the same business profile.
Can I finance used equipment?
Yes. Voxen routinely finances used equipment, including auction purchases and private sales. The maximum age depends on equipment type — typically 10 years for trucks, 15 years for construction, and longer for industrial machinery with maintenance records. We can also fund inspections and refurbishment costs as part of the deal.
How fast can I get equipment financing approved?
Most equipment financing applications receive a structured offer within 24 hours. Once you accept, vendor payment and equipment release typically happens within 2 to 5 business days. Time-sensitive deals (auctions, contract deadlines) can be expedited to same-day funding when documentation is ready.
Do I need a down payment?
Often no. Established businesses with good credit and new equipment from approved vendors typically qualify for 100% financing. Down payments of 5–20% may be required for: businesses under 2 years old, used equipment over 7 years, private-sale purchases, or specialty equipment with limited resale market. We tell you upfront what's required.
What happens at the end of the term?
On a loan, you own the equipment outright with no further payments. On a lease, you have three options: return the equipment, refinance the residual to keep using it, or buy it out at fair market value (or $1 on a lease-to-own structure). Most clients with revenue-producing equipment exercise the buyout.