What we finance, and who funds it
We arrange greenhouse and controlled-environment equipment financing through major Canadian banks and specialised leasing institutions. Glass and poly structures and benching, supplemental lighting and blackout systems, climate control, boilers and CO2 systems, irrigation, fertigation and water recovery, and grading, packing and post-harvest lines all qualify. Used ranges and relocated structures are common here and finance normally; an expansion bay travels as one package covering structure, environment and handling.
Energy is the operating cost, so energy equipment is the investment
Heating and lighting dominate a greenhouse operating statement, which makes boiler upgrades, LED retrofits, thermal screens and heat recovery the clearest return-on-investment cases in the sector. A lighting retrofit changes the power bill from the first dark month, and that saving can be set against the payment directly. Growers often finance the energy system before the production system for exactly this reason.
Crop cycles, not calendar quarters
Revenue in controlled environment production arrives in harvest windows that depend on the crop and the programme, and in some operations on a contract with a retailer that dictates the planting schedule. Payment structures can follow those windows. Terms are set against the service life of each system rather than a single blended assumption, since a boiler, a screen system and a packing line do not age alike.
Expansion is usually incremental
Most greenhouse growth happens bay by bay, with each expansion funded partly by the production of the last. That makes the financing structure part of the growth plan rather than a one-time event, and sale-leaseback on an owned range can fund the next bay without pausing production. Applications above $250,000 require financial statements, and we identify what the file needs up front. Describe the range and the crop programme it serves, and terms come back matched to the harvest cycle.
