Equipment Financing & Leasing

Finance or Lease the Equipment You Need to Operate and Grow

Capital leases and equipment loans structured for Western Canadian operators — fast approvals, flexible terms, any industry.

Most equipment purchases don't make sense to pay cash for — and most operators shouldn't have to. Northgate Capital structures financing and lease arrangements that let you put the right equipment to work immediately, with payments built around your cash flow. Our core product is the capital lease — a financing structure that gives you the full economic benefits of ownership without tying up capital.

We structure a capital lease or equipment loan tailored to your situation — equipment type, term length, down payment, and residual value.

  1. Tell us what you need — make, model, year, price, and how you plan to use it.
  2. We match you to the right lender — from our network of Canadian equipment financing partners.
  3. Approval in as little as 24 hours — straightforward documentation, no unnecessary delays.
  4. Sign and take possession — equipment is yours to operate immediately.
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Is This Right For You?

Equipment financing works for virtually any operator who needs equipment to run their business:

  • Owner-operators purchasing their first or next unit
  • Growing companies adding to their fleet
  • New businesses with limited credit history
  • Operators replacing aging or sold equipment
  • Businesses upgrading to newer, more efficient machinery
  • Companies purchasing at auction, from a dealer, or in a private sale

What You Get

Capital Lease — Northgate's Core Product

You finance the equipment, use it, and own it outright at the end of the term. It shows on your balance sheet as an asset, builds equity, and gives you the full economic benefits of ownership without a large upfront capital outlay.

  • Own the equipment at end of term — no balloon, no surprises
  • Builds equity over the life of the term
  • Interest portion may be tax-deductible
  • CCA depreciation benefits available
  • Flexible terms: 24–84 months

Operating Lease — When Ownership Isn't the Goal

Better suited when you need equipment for a defined period and prefer to return it at the end of term. Payments are typically lower and the lease stays off your balance sheet. Ideal for technology-heavy equipment or short-duration projects.

  • Lower monthly payments
  • Off-balance-sheet treatment
  • Return or upgrade at end of term
  • No residual value risk
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Deals Like Yours

Real transactions — anonymized to protect client privacy.

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Ready to Get Started?

Talk to Northgate — no obligation, no lengthy forms, just a conversation about what you need.

Apply for Financing

24-hour response · No obligation