Equipment financing and leasing.

Equipment Financing and Leasing. Access to equipment financing and leasing can be crucial for businesses looking to acquire assets needed for their operations. Whether you are a small business or a large corporation, these financing options provide the flexibility to obtain essential equipment without having to tie up large amounts of capital.

With Prêt Auto Québec, your access to equipment financing and leasing is made easier to meet the specific needs of your business. Whether you are looking for solutions to acquire new equipment or to optimize your cash flow, we are here to support you. Discover how our flexible financing options can support the growth of your business while preserving your capital.

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EVERYWHERE IN QUEBEC - FREE - CONFIDENTIAL

18+

Partner financial institutions.

500+

Commercial equipment financed each year.

Get financing for your commercial equipment in three easy steps!

Make sure you get the best credit terms, tailored to your credit file.

Sending the request for submission.

Please complete the online request form so that we can contact you to assess your needs and discuss with you.

Analysis of your credit file. 

We analyze your credit file and negotiate with financial institutions to obtain the best market conditions for you, adapted to your situation.

Get your financing and purchase your commercial equipment.

You have secured your financing or lease. Now you can purchase your commercial equipment.

Canada's commercial financing and leasing experts for the acquisition of your commercial equipment.

01.

Commercial equipment financing.

02.

Leasing.

03.

Commercial equipment refinancing.

04.

Factoring

05.

Business loan.

Commercial Equipment Financing

Commercial equipment financing is a financial solution that allows businesses to acquire the equipment they need for their business, without having to pay a large sum of money up front. With this type of financing, businesses can obtain equipment such as machinery, tools, commercial vehicles, etc., while spreading the payments over a set period of time. This allows them to conserve cash flow and better manage their budget, while still benefiting from the equipment they need to operate and grow.

Leasing

Leasing, also known as financing, is a form of financing that allows a business to use equipment or real estate in exchange for a periodic rental payment agreed upon with the lessor. Unlike a traditional purchase, leasing does not give the business ownership of the asset at the end of the lease period. However, it does offer increased flexibility in terms of cash flow management and tax optimization, while allowing access to expensive assets without having to put up large upfront amounts. Leasing is often used to finance equipment, commercial vehicles, real estate, and other assets needed to operate a business.

Commercial Equipment Refinancing

Commercial equipment refinancing involves obtaining new financing for existing business assets, such as equipment, vehicles or real estate, to free up cash or improve financial conditions. This option can be beneficial for businesses looking to reduce monthly costs, improve cash flow or consolidate debt. By refinancing their equipment, businesses can benefit from lower interest rates, reduced monthly payments, more favorable loan terms or even the ability to borrow additional amounts to finance other business needs.

Factoring

Factoring, also known as factoring, is a financing method used by businesses to improve their cash flow by selling their trade receivables to a third party, called a factor. In exchange for these receivables, the business receives an immediate advance on the amount due, usually a certain proportion of the total value of the invoices. The factor then collects the receivables from the customers and pays the remaining balance to the business, less an agreed service fee. Factoring offers several benefits to businesses, including improved liquidity, reduced risk of unpaid receivables, access to quickly available funds and the ability to outsource accounts receivable management. It is a flexible and efficient financing solution, particularly suitable for growing businesses or those facing temporary cash flow needs.

Business Loan

Business loans are a type of financing offered by financial institutions to businesses to meet their short, medium, or long-term financing needs. These loans can be used for a variety of reasons, such as purchasing equipment, financing projects, strengthening working capital, or expanding the business. Business loans can be secured or unsecured, and repayment terms vary depending on the specific needs of the business and the lending policies of the financial institution. Interest rates can be fixed or variable, and repayment terms can include monthly, quarterly, or annual payments. Businesses are typically required to provide collateral or security to obtain a loan, and their ability to repay the loan is assessed based on their financial history, credit, and revenue-generating capacity. Business loans are an important source of financing for businesses of all sizes, enabling them to achieve their growth and development goals.

We facilitate access to financing or leasing solutions for the acquisition of your commercial equipment for each of these areas and more.

Construction

  • Equipment ideas: mechanical shovels, bulldozers, cranes, concrete mixers, circular saws
  • Description of the domain: The construction sector encompasses all activities related to the creation and renovation of infrastructure, buildings and facilities.
  • How we can help: We can facilitate the acquisition of essential equipment for construction projects by offering flexible financing solutions tailored to the needs of contractors.

Agriculture

  • Equipment Ideas: Farm Tractors, Combine Harvesters, Irrigation Equipment, Hay Balers, Grain Dryers
  • Description of the field: The agricultural sector encompasses all activities related to the production of food, fiber, fuel and other products from natural resources.
  • How we can help: We can support farmers by financing the purchase of modern and efficient agricultural equipment to increase their productivity and profitability.

Restoration

  • Equipment ideas: industrial ovens, fryers, commercial refrigerators, coffee machines, dishwashers
  • Description of the sector: The catering sector encompasses all activities related to the preparation, sale and consumption of meals and beverages in restaurants, cafes, bars and other similar establishments.
  • How we can help: We can help restaurateurs acquire the kitchen and service equipment needed to meet their business needs, by offering flexible financing solutions that fit their budget.

Technology

  • Equipment Ideas: Desktops, Servers, Networking Equipment, Enterprise Software
  • Field Description: The information technology sector encompasses all activities related to the design, development, implementation and maintenance of computer systems and communications technologies.
  • How we can help: We can help businesses acquire the IT equipment and software needed to optimize their operations and remain competitive in the market, by offering financing solutions tailored to their needs.

Health

  • Equipment Ideas: Medical Imaging Devices, Lab Equipment, Hospital Beds, Dentist Chairs, Surgical Instruments
  • Description of the field: The health sector encompasses all activities related to the prevention, diagnosis, treatment and management of diseases and medical conditions, as well as the promotion of public health and well-being.
  • How we can help: We can help healthcare institutions finance the purchase of modern, high-quality medical equipment to provide cutting-edge healthcare to their patients, by offering flexible financing solutions tailored to their needs.

Manufacturing industry

  • Equipment ideas: machine tools, industrial robots, welding equipment, hydraulic presses, conveyors
  • Description of the field: The manufacturing sector encompasses all activities related to the transformation of raw materials into finished products using machines, tools and industrial processes.
  • How we can help: We can help manufacturing companies finance the purchase of production and manufacturing equipment to improve their efficiency and competitiveness in the market.

Transport and logistics

  • Equipment Ideas: Delivery Trucks, Forklifts, Trailers, GPS Tracking Systems, Warehouse Equipment
  • Description of the field: The transport and logistics sector encompasses all activities related to the movement, storage and distribution of goods through different modes of transport.
  • How we can help: We can help transport and logistics companies finance the acquisition of equipment essential to their operations, by offering leasing or financing solutions tailored to their specific needs.

Hospitality and tourism

  • Equipment Ideas: Hotel Furniture, Professional Kitchen Equipment, Reservation Systems, Shuttle Vehicles, Spa Equipment
  • Description of the field: The hotel and tourism sector encompasses all activities related to the reception, accommodation, catering and leisure of travelers and tourists.
  • How we can help: We can help hotel and tourism businesses finance the purchase of equipment needed to provide quality services to their customers, by offering flexible and competitive financing solutions.

Professional services

  • Equipment ideas: office equipment, management software, computer hardware, telecommunications equipment, ergonomic furniture
  • Field Description: The professional services industry encompasses a wide variety of businesses offering specialized services such as accounting, law, consulting, marketing and management.
  • How we can help: We can help professional services firms finance the acquisition of modern equipment and technology to improve their operational efficiency and service delivery, by offering tailored financing solutions.

Energy and environment

  • Equipment ideas: solar panels, wind turbines, recycling equipment, water purification systems, electric vehicles
  • Field Description: The energy and environment sector encompasses all activities related to the production, distribution and use of sustainable energy sources and the preservation of the environment.
  • How we can help: We can help companies operating in the energy and environmental sectors finance the acquisition of clean and sustainable equipment and technologies, by offering financing solutions adapted to their sustainable development projects.

Energy and environment

  • Equipment ideas: solar panels, wind turbines, recycling equipment, water purification systems, electric vehicles
  • Field Description: The energy and environment sector encompasses all activities related to the production, distribution and use of sustainable energy sources and the preservation of the environment.
  • How we can help: We can help companies operating in the energy and environmental sectors finance the acquisition of clean and sustainable equipment and technologies, by offering financing solutions adapted to their sustainable development projects.

Retail trade

  • Equipment Ideas: Displays, Cash Registers, Point of Sale Systems, Security Equipment, Surveillance Systems
  • Description of the sector: The retail sector encompasses all activities related to the sale of products and services to end consumers, whether online, in-store or through other distribution channels.
  • How we can help: We can help retailers finance the acquisition of cutting-edge equipment to optimize their customer experience and operations, by offering flexible and competitive financing solutions tailored to their specific needs.

Education

  • Equipment ideas: school furniture, audiovisual equipment, teaching materials, laptops, laboratory equipment
  • Description of the field: The education sector encompasses all activities related to teaching and learning, whether in primary and secondary schools, colleges, universities or vocational training centers.
  • How we can help: We can help educational institutions finance the purchase of essential educational equipment to provide modern and effective learning environments, by offering financing solutions tailored to their budgets and specific needs.

Real estate sector

  • Equipment Ideas: Construction Equipment, Building Materials, Renovation Tools, Maintenance Equipment, Security Systems
  • Description of the field: The real estate sector encompasses all activities related to the purchase, sale, rental and management of real estate, including residences, commercial buildings and industrial facilities.
  • How we can help: We can help real estate professionals finance the purchase of equipment and materials needed to carry out their construction, renovation and property management projects, by offering flexible financing solutions tailored to their needs.

Entertainment and events

  • Equipment Ideas: Audiovisual Equipment, Stage Lighting, Sound Equipment, Event Furniture, Temporary Structures
  • Field Description: The entertainment and events sector encompasses all activities related to the planning, organization and execution of events, shows, concerts, festivals and other forms of entertainment.
  • How we can help: We can help event businesses finance the acquisition of specialist event production equipment, offering flexible financing solutions to suit their timelines and budgets.

Financial services

  • Equipment Ideas: Financial Management Systems, Accounting Software, Data Security Equipment, ATMs, Payment Processing Equipment
  • Field Description: The financial services sector encompasses all activities related to the management, administration and provision of financial services such as banking, insurance, investment and financial advisory.
  • How we can help: We can help financial institutions and financial services companies finance the acquisition of equipment and technology to improve their services and operational efficiency, by offering financing solutions tailored to their specific needs.

Public and government sector

  • Equipment Ideas: Government Office Equipment, Public Service Vehicles, Public Safety Equipment, IT Infrastructure, Road Maintenance Equipment
  • Description of the field: The public and government sector encompasses all activities related to the provision of public services, the management of government affairs and the delivery of services to citizens by government agencies and public administrations.
  • How we can help: We can help government agencies and public sector entities finance the acquisition of essential equipment to meet community needs and ensure the smooth running of public services, by offering tailor-made financing solutions adapted to their budgets and regulatory requirements.

Automotive sector

  • Equipment Ideas: Automotive assembly machines, painting equipment, specialized tooling, quality control systems, automotive maintenance equipment
  • Description of the field: The automotive sector encompasses all activities related to the design, manufacture, distribution and maintenance of motor vehicles, including passenger cars, trucks, buses and commercial vehicles.
  • How we can help: We can help automotive companies finance the purchase of specialist equipment for vehicle production, repair and maintenance, by offering flexible financing solutions tailored to their operational needs.

Maritime and naval sector

  • Equipment ideas: transport vessels, navigation equipment, propulsion systems, lifting equipment, marine maintenance tools
  • Description of the field: The maritime and naval sector encompasses all activities related to the design, construction, operation and maintenance of ships and marine equipment, including merchant ships, fishing vessels, military vessels and port facilities.
  • How we can help: We can help maritime and naval companies finance the acquisition of vessels, navigation equipment and specialist tooling to support their maritime operations, by offering financing solutions tailored to their specific needs.

Aerospace sector

  • Equipment Ideas: Aircraft, Aerospace Manufacturing Equipment, Navigation Systems, Flight Simulators, Aircraft Maintenance Tools
  • Description of the field: The aerospace sector encompasses all activities related to the design, manufacture, operation and maintenance of aircraft and space vehicles, as well as associated equipment, such as engines, propulsion systems and navigation instruments.
  • How we can help: We can help aerospace companies finance the acquisition of aircraft, manufacturing equipment and maintenance tools to support their aerospace operations, by offering tailor-made financing solutions adapted to their development projects.

Mining and extractive sector

  • Equipment Ideas: Mining Machinery, Mineral Processing Equipment, All Terrain Vehicles, Drilling Equipment, Mining Safety Systems
  • Description of the sector: The mining and extractive sector encompasses all activities related to the exploration, extraction, processing and marketing of mineral resources, such as iron ore, coal, gold, copper and oil.
  • How we can help: We can help mining and extractive companies finance the acquisition of specialized equipment for their mining operations, offering flexible financing solutions tailored to their operating cycles and equipment requirements.

We finance your commercial equipment, anywhere in Canada.

At Prêt Auto Québec, we understand how crucial it is to have the right commercial equipment to make your business thrive. That’s why we’re proud to offer customized financing solutions to meet your needs, no matter where you are in Canada.

Whether you are in Montreal, Quebec City, Toronto or elsewhere, our dedicated team is ready to assist you in acquiring the equipment you need to propel your business to new heights. With years of experience in the commercial financing field, we understand the challenges you face and we are here to help you overcome them.

Our financing process is simple, fast and transparent. We work with you to understand your specific needs and find the best financing solution that fits your situation. Whether you need to finance new vehicles, industrial equipment, specialized tools or any other equipment necessary for your business, we have the right solution for you.

We believe in exceptional customer service and long-lasting relationships with our clients. That’s why we’re committed to providing you with ongoing support throughout the financing process and beyond. Your success is our priority, and we’ll do everything we can to help you achieve your business goals.

Don’t let a lack of financing stop you from achieving your business ambitions. Contact Prêt Auto Québec today and find out how we can help you get the financing you need to grow your business.

Trust Prêt Auto Québec to finance your commercial equipment, wherever you are in Canada. We are here to help you succeed.

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  • Equipment financing and leasing for Manitoba

  • Equipment financing and leasing for New Brunswick

  • Newfoundland and Labrador

  • Equipment financing and leasing for Nova Scotia

  • Equipment financing and leasing for Ontario

  • Equipment financing and leasing for Prince Edward Island

  • Equipment financing and leasing for Quebec

  • Equipment financing and leasing for Saskatchewan

The benefits of choosing our service to finance your commercial equipment.

Frequently asked questions about equipment financing and leasing.

Have questions about equipment financing and leasing? You’re not alone. Below, we’ll answer some of the most common questions to help you better understand these financing options and make informed decisions for your business.

Equipment Financing and Leasing Explained.

Below you will find some articles related to equipment financing and leasing.

L'évolution des pratiques de financement d'équipement : tendances et perspectives futures.

The evolution of equipment financing practices: trends and future perspectives.

Les avantages du financement d'équipement par rapport à l'achat direct : un examen approfondi.

The Benefits of Equipment Financing vs. Outright Purchase: An In-Depth Look.

Les implications fiscales du crédit-bail pour les petites entreprises : stratégies et considérations importantes.

The Tax Implications of Leasing for Small Businesses: Important Strategies and Considerations.

Comment choisir entre le financement d'équipement et le crédit-bail : facteurs clés à prendre en compte

How to Choose Between Equipment Financing and Leasing: Key Factors to Consider.

Les avantages cachés du crédit-bail : au-delà des considérations financières immédiates.

The Hidden Benefits of Leasing: Beyond Immediate Financial Considerations

Les défis courants du financement d'équipement pour les start-ups : solutions et meilleures pratiques.

Common Equipment Financing Challenges for Startups: Solutions and Best Practices.

Le crédit-bail comme solution de financement flexible pour les entreprises en croissance : études de cas inspirantes.

Leasing as a flexible financing solution for growing businesses: inspiring case studies.

Exploration des options de financement d'équipement pour les industries spécifiques : exemples dans le secteur manufacturier, de la construction, etc.

Exploring equipment financing options for specific industries: examples in manufacturing, construction, etc.

Les erreurs à éviter lors de la recherche de financement d'équipement : conseils d'experts pour réussir.

Mistakes to Avoid When Looking for Equipment Financing: Expert Tips for Success

Le rôle des institutions financières dans le financement d'équipement : analyse de leur impact sur les entreprises.

The role of financial institutions in equipment financing: analysis of their impact on businesses.

Comment le financement d'équipement peut stimuler l'innovation dans les entreprises : cas pratiques.

How equipment financing can stimulate innovation in companies: practical cases.

Les avantages du financement d'équipement sur mesure pour les projets spécifiques : adaptabilité et efficacité.

The advantages of tailor-made equipment financing for specific projects: adaptability and efficiency.

Le crédit-bail comme outil de gestion de flotte : optimisation des opérations et réduction des coûts.

Leasing as a fleet management tool: optimizing operations and reducing costs.

Le rôle de la technologie dans la transformation du financement d'équipement : impact sur l'efficacité et la transparence.

The role of technology in transforming equipment financing: impact on efficiency and transparency.

Les avantages du financement d'équipement pour les entreprises en difficulté financière : options de relance et de redressement.

The Benefits of Equipment Financing for Businesses in Financial Difficulty: Recovery and Turnaround Options.

Analyse comparative des taux d'intérêt et des coûts associés au financement d'équipement : comment trouver les meilleures offres.

Comparing interest rates and costs associated with equipment financing: How to find the best deals.

Comment les changements économiques mondiaux affectent le marché du financement d'équipement : implications pour les entreprises.

How Global Economic Changes Affect the Equipment Finance Market: Implications for Businesses.

Le crédit-bail comme alternative au financement traditionnel pour les entreprises familiales : avantages et considérations spécifiques.

Leasing as an alternative to traditional financing for family businesses: advantages and specific considerations.

Comment maximiser les avantages du financement d'équipement pour la croissance à long terme de votre entreprise : stratégies et conseils.

How to Maximize the Benefits of Equipment Financing for Your Business' Long-Term Growth: Strategies and Tips.

Stratégies de refinancement d'équipement pour améliorer la liquidité de votre entreprise : études de cas.

Equipment Refinancing Strategies to Improve Your Business Liquidity: Case Studies.

Les avantages du refinancement d'équipement pour réduire les paiements mensuels et améliorer les flux de trésorerie.

The benefits of equipment refinancing to lower monthly payments and improve cash flow.

Exploration des options de refinancement d'équipement pour les entreprises en difficulté financière : solutions et alternatives.

Exploring Equipment Refinancing Options for Financially Distressed Businesses: Solutions and Alternatives.

Comment utiliser le refinancement d'équipement pour libérer de la valeur dans vos actifs existants : conseils pratiques.

How to Use Equipment Refinancing to Unlock Value in Your Existing Assets: Practical Tips.

Les considérations fiscales du refinancement d'équipement commercial : minimiser les implications fiscales tout en optimisant les avantages.

Tax Considerations of Commercial Equipment Refinancing: Minimizing Tax Implications While Maximizing Benefits.

Le refinancement d'équipement comme stratégie de croissance pour les entreprises en expansion : opportunités et défis.

Equipment refinancing as a growth strategy for expanding firms: opportunities and challenges.

Analyse comparative des taux et conditions de refinancement d'équipement : comment trouver la meilleure offre.

Comparing Equipment Refinancing Rates and Terms: How to Find the Best Deal.

Refinancement d'équipement et planification financière à long terme : comment créer une stratégie efficace.

Equipment Refinancing and Long-Term Financial Planning: How to Create an Effective Strategy.

Le rôle des courtiers en refinancement d'équipement : comment ils peuvent vous aider à trouver les meilleures solutions.

The role of equipment refinancing brokers: how they can help you find the best solutions.

Les impacts du refinancement d'équipement sur les états financiers et la santé globale de votre entreprise : une analyse approfondie.

The Impacts of Equipment Refinancing on Your Business's Financial Statements and Overall Health: An In-Depth Analysis.

Affacturage : Une solution efficace pour améliorer la gestion de la trésorerie de votre entreprise.

Factoring: An effective solution to improve your company’s cash flow management.

Les avantages de l'affacturage par rapport aux autres formes de financement : une analyse comparative.

The advantages of factoring over other forms of financing: a comparative analysis.

Comment fonctionne le processus d'affacturage : étapes et implications pour les entreprises.

How the factoring process works: steps and implications for businesses.

L'impact de l'affacturage sur la croissance des petites entreprises : études de cas et témoignages d'entrepreneurs.

The impact of factoring on small business growth: case studies and entrepreneur testimonials.

Les défis courants de l'affacturage et comment les surmonter : conseils pratiques pour les entreprises.

Common Factoring Challenges and How to Overcome Them: Practical Tips for Businesses.

Affacturage et crédit clients : comment réduire les risques liés aux retards de paiement et aux créances irrécouvrables.

Factoring and customer credit: how to reduce the risks associated with late payments and bad debts.

Les différents types de prêts aux entreprises : comparaison des options disponibles.

The different types of business loans: comparing the options available.

Comment choisir le bon prêt aux entreprises pour votre activité : conseils pratiques.

How to choose the right business loan for your business: practical advice.

Le processus de demande de prêt aux entreprises : étapes clés et documents nécessaires.

The business loan application process: key steps and required documents.

Les avantages du financement par prêt aux entreprises par rapport à d'autres formes de financement.

The advantages of business loan financing over other forms of financing.

Prêts aux entreprises sans garantie : comment obtenir un financement sans hypothéquer vos actifs.

Unsecured Business Loans: How to Get Financing Without Mortgaging Your Assets.

Le rôle des banques et des institutions financières dans l'octroi de prêts aux entreprises : facteurs à considérer.

The role of banks and financial institutions in providing business loans: factors to consider.

Prêts aux entreprises pour les start-ups : défis et opportunités.

Business loans for start-ups: challenges and opportunities.

L'impact des taux d'intérêt sur les prêts aux entreprises : comment minimiser les coûts d'emprunt.

The impact of interest rates on business loans: how to minimize borrowing costs.

Prêts aux entreprises pour l'expansion et la croissance : stratégies de financement pour stimuler le développement.

Business Loans for Expansion and Growth: Financing Strategies to Stimulate Development.

Les implications fiscales des prêts aux entreprises : conseils pour maximiser les avantages fiscaux.

The Tax Implications of Business Loans: Tips for Maximizing Tax Benefits.

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Get your business financing or leasing now.

Working with over 18 partner financial institutions, we are the experts in commercial financing and leasing in Quebec. We offer financing solutions for 1st, 2nd and 3rd chance credit. Get the best market conditions now.