commercial equipment financing in Ontario

What gets financed in Ontario, how the tax and lien rules work here, and which payment structures match the way the work actually pays.

Origin Finances Inc. is a Canadian commercial equipment financing broker arranging equipment leases for businesses in Ontario. Working from Montréal, it places one application with the lenders whose credit terms fit the asset, and structures the file around the tax regime, the security registration and the revenue timing that apply in Ontario.

On the ground

What Ontario finances.

Ontario finances the widest spread of equipment in the country, and that breadth is the point: a lender that has cooled on one sector still wants files in another. Machine shops and tooling suppliers through the southwestern auto belt carry CNC machining centres, press brakes and injection moulding presses. The Highway 401 corridor keeps tractors, dry vans and reefers moving between Windsor, the GTA and Montreal. Municipal and subdivision work adds excavators, skid steers and compaction iron on schedules tied to tender awards.

Tax and lien registration in Ontario.

Ontario applies a single HST to equipment purchases and to each lease payment, which is why a lease keeps more cash in the business at signing than a conditional sale does. Security is registered under the Ontario PPSA, so a lien search and a clean payout on a trade-in are quick and cheap to confirm before funding.

Payment structures that fit Ontario.

Most Ontario trades work close to year-round, so level monthly payments usually fit. The exceptions are the paving, landscaping and aggregate operators whose billing collapses between freeze-up and thaw, and those files are worth structuring seasonally rather than forcing into twelve equal payments.

Cities in Ontario

TorontoOntario

OttawaOntario

MississaugaOntario

BramptonOntario

HamiltonOntario

LondonOntario

KitchenerOntario

WindsorOntario

OshawaOntario

SudburyOntario

BarrieOntario

KingstonOntario

Thunder BayOntario

Sault Ste. MarieOntario

SarniaOntario

Financing structures available in Ontario.

Equipment Financing Equipment Leasing Truck Financing Semi-Truck Financing Trailer Financing Food Truck Financing Heavy Equipment Financing Business Equipment Financing Farm Equipment Financing Medical Equipment Financing Used Equipment Financing Restaurant Equipment Financing Sale-Leaseback Financing Startup Equipment Financing

Industries we finance in Ontario.

Trucking & Transportation Construction Agriculture & Farming Forestry & Logging Manufacturing Machining & Fabrication Shops

Other provinces and territories.

Quebec British Columbia Alberta Manitoba Saskatchewan Nova Scotia

See every province and territory we serve

FAQ

Questions we get asked

What sales tax applies to equipment financing in Ontario?

Ontario applies a single HST, both to an equipment purchase and to each lease payment. That is why a lease usually keeps more cash in the business at signing than a conditional sale does: the tax arrives spread across the term instead of in one payment at delivery. Your accountant confirms the treatment for your own books.

How is a lender security interest registered in Ontario?

Under the Ontario PPSA, in the provincial personal property registry. A lien search and a clean payout on a trade-in are quick and inexpensive to confirm there, which is one reason Ontario files fund faster than files in jurisdictions with a different registration regime.

Do Ontario businesses need seasonal payment structures?

Most do not. Ontario trades work close to year-round, so level monthly payments usually fit the cash flow. The exceptions are paving, landscaping and aggregate operators whose billing collapses between freeze-up and thaw, and those files are worth structuring seasonally rather than forcing into twelve equal payments.

Get started

Ready to finance your next piece of equipment?

One application in 3 steps reaches multiple lenders across all 10 provinces and 3 territories. Below $250,000, most files are decided on the application alone.

Apply now