What we finance, and who funds it
We arrange IT equipment leasing through major Canadian banks and specialised leasing institutions, covering servers and data centre hardware, workstations and laptops deployed at scale, networking and security appliances, and point-of-sale and payment systems. New equipment through a reseller or integrator qualifies, and so do full deployments: a company standing up an office, refreshing every workstation or rolling POS systems across multiple locations can structure the entire project as one lease with one payment, deployment services included where the integrator bundles them.
The refresh cycle argument
The refresh-cycle argument is the core of the case. A workstation fleet ages in lockstep, and the year it all needs replacing is a capital spike that hits whether or not the business is ready. A lease converts that spike into a level cost and builds the refresh into the schedule: when the term ends, the fleet turns over. Security and compliance pull in the same direction, because aging hardware falls off vendor support and patch schedules, and privacy obligations make unsupported equipment a liability rather than a saving. End-of-lease return also settles the disposal question, including data destruction, which owned fleets often handle badly.
Keeping capital in people and product
Leasing keeps capital where technology businesses and growing companies actually need it: people, product and inventory. Point-of-sale rollouts show the logic clearly, since a retailer or restaurant group opening locations needs identical current systems at each one, on opening day, with cash reserved for fit-out and stock. Applications above $250,000 require financial statements. For technology, the lease-structure question usually answers itself, since an asset that will be replaced on schedule rarely argues for ownership, but we go through both before you commit. Send us the deployment list and we come back with terms.
