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What gets financed in Yukon, 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 Yukon. 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 Yukon.
Yukon equipment files are dominated by placer mining, and placer collateral behaves unlike anything in the south. Operators finance excavators, wash plants, loaders and dozers that work a short season on claims rather than on contracts. Hard-rock exploration adds drills and camp support equipment, while Whitehorse construction and highway maintenance keep a smaller, steadier base of graders, trucks and compaction iron in the market.
Only GST applies; there is no territorial sales tax on equipment. Security is registered in the Yukon Personal Property Registry under territorial PPSA legislation. Resale is the quiet issue on a Yukon file: a lender pricing recovery has to account for what it costs to bring a machine back down the highway, and the ones who have done it before price it calmly.
A placer operation earns during thaw and spends the rest of the year on maintenance and permitting. Payment schedules concentrated in the working months are the structure that matches the business; anything else quietly funds the lender out of the operator's winter reserves.
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.