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Flexible Equipment Financing & Leasing Solutions

ACCORD EQUIPMENT FINANCE SUPPORTS INDUSTRIES ACROSS CANADA

For over 20 years, Accord’s team has provided equipment financing and leasing solutions for small businesses, mid-market companies, and private equity backed firms across Canada.

Equipment financing helps businesses acquire machinery, vehicles, technology, and heavy equipment while preserving working capital and managing cash flow. Our team structures financing around how the equipment is used and how the business operates.

We support businesses across industries including:

  • Manufacturing
  • Distribution & Logistics
  • Mining & Forestry
  • Food & Beverage
  • Pharmaceutical / Medical / Healthcare
  • Technology
  • Telecommunications

Whether you are upgrading equipment, expanding capacity, or replacing aging assets, Accord Financial provides financing and leasing solutions designed to support long-term business operations and growth.

Businesses use equipment financing and leasing to acquire machinery, vehicles, technology, and specialized assets without large upfront capital purchases. Financing can support expansion, equipment upgrades, replacement of aging assets, or leveraging existing equipment to improve working capital. 

Whether upgrading operations or expanding capacity, the right equipment solution helps businesses maintain productivity while preserving liquidity and operational flexibility. 

Small-Ticket Solutions (AccordExpress Leasing)

  • Financing up to $500,000
  • Near-prime credit profiles
  • Terms up to 60 months, fully amortized
  • Lease or loan structures
  • Will consider soft assets, with a preference for hard assets

 

Mid-Ticket Solutions

  • Financing from $500,000 to $10,000,000
  • Terms up to 5 years
  • True Lease, Sale-Leaseback, Finance Lease, CAPEX Line of Credit, and Secured Term Loan options
  • Financing for both new and used equipment
  • Customized structures based on asset type and lifecycle
  • Built for established, growth-focused businesses with stable cash flow

Required Documents

  • Accord Credit Application
  • Vendor invoice or quote
  • Transaction summary
  • Flinks revenue verification

 

Financing Over $100,000

  • Year-end financial statements
  • Interim financial statements (if year-end statements are more than 3 months old)

Qualifications

  • Minimum 12 months in business
  • Personal guarantee required

Businesses use equipment financing and leasing to acquire machinery, vehicles, technology, and specialized assets without large upfront capital purchases. Financing can support expansion, equipment upgrades, replacement of aging assets, or leveraging existing equipment to improve working capital. 

Whether upgrading operations or expanding capacity, the right equipment solution helps businesses maintain productivity while preserving liquidity and operational flexibility. 

Small-Ticket Solutions (AccordExpress Leasing)

  • Financing up to $500,000
  • Near-prime credit profiles
  • Terms up to 60 months, fully amortized
  • Lease or loan structures
  • Will consider soft assets, with a preference for hard assets

 

Mid-Ticket Solutions

  • Financing from $500,000 to $10,000,000
  • Terms up to 5 years
  • True Lease, Sale-Leaseback, Finance Lease, CAPEX Line of Credit, and Secured Term Loan options
  • Financing for both new and used equipment
  • Customized structures based on asset type and lifecycle
  • Built for established, growth-focused businesses with stable cash flow

Required Documents

  • Accord Credit Application
  • Vendor invoice or quote
  • Transaction summary
  • Flinks revenue verification

 

Financing Over $100,000

  • Year-end financial statements
  • Interim financial statements (if year-end statements are more than 3 months old)

Qualifications

  • Minimum 12 months in business
  • Personal guarantee required
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accord services equipment financing faq

Frequently Asked Questions

The typical range of opportunities we fund is from $500,000 to $20 million. We also partner with banks and other financing organizations to help companies reach the level of financing they need.

Typically, 100% of the hard equipment cost is capitalized in the lease. Soft costs, such as installation, delivery, maintenance agreements and sales tax, can be included in the capitalized lease amount. While every situation is different, our goal is to make sure you have what you need to achieve your objectives.

Our leases and loans have base lease terms up to five years and are matched to equipment useful life and expected usage/need.

Equipment loans and leases under $1 million in value can be reviewed with representative company financial information, equipment specifications, and owner review. Business loans and leases over $1 million require a more holistic review of the lessee takes place, including but not limited to:

  • Financials
  • Ownership
  • Market Analysis
  • Equipment Specifications
  • Other factors

For transactions under $1 million, prospective clients know within a few business days. Transactions over $1 million require a more holistic lessee review, whereby approvals can take up to 2 weeks.

As highly regulated institutions, bank leasing divisions are typically restricted to higher credit quality lessees and offer standard lease products/structures. Accord is an alternative lender that focuses on small enterprises and the middle market (<$1B revenue) non-investment grade lessees. We tailor each equipment financing option to each company.

Accord’s advantage compared to brokers is that we have a strong balance sheet to fund leases directly. Accord typically seeks to hold up to $20 million for each lessee and its Capital Markets desk can place additional transaction value with peer lessors, if needed.

We fund directly in Canada and also work closely with partner lenders to deliver funds for various needs in the U.S. Accord prides itself on providing customized financing options.