As Canada moves into 2026, business owners across construction, transportation, and agriculture are facing a critical financial question: Should we lease new equipment or buy it outright? With interest rates stabilizing, lending conditions tightening, and equipment costs remaining elevated, the lease-vs-buy decision has become far more strategic than in previous years. This is no longer […]
A. Lenders Are Reducing Risk Exposure After years of high inflation, global instability, and fluctuating freight demand, lenders are no longer chasing volume. Their priority has shifted to capital protection. This means: As a result: This is why many owner-operators who easily qualified in 2020–2022 are now seeing rejections in 2026, even with similar income.
Why Truck Financing Is More Challenging in 2026 Read More »
Capital Efficiency Is the New Growth Currency Canada’s small and mid-sized businesses are entering 2026 with cautious optimism.After the Bank of Canada’s October 2025 rate cut to 2.25 percent, borrowing conditions have improved — but the landscape has changed. Equipment prices remain high, credit scrutiny persists, and cash flow has become the ultimate benchmark of
Financing in Transition: From Ownership to Agility Across Canada, small and mid-sized businesses are quietly re-engineering how they finance essential assets.The Bank of Canada’s October 2025 rate cut to 2.25 percent has lowered borrowing costs, yet many owners are reluctant to take on new long-term debt. The reasons are clear — volatile demand, tariff-driven input
In an era marked by rising operational costs and shifting credit environments, small and mid-sized businesses in British Columbia and Alberta are seeking smarter, leaner ways to acquire the assets they need to operate. One trend gaining serious traction in 2025? Bundled leasing—where companies lease both equipment and vehicles under a single, flexible agreement. Changing
Why More BC and Alberta Businesses Are Bundling Equipment and Vehicle Leases in 2025 Read More »
For Canadian SMEs, particularly those operating in British Columbia and Alberta, leasing equipment is no longer just about “getting the best rate.” While interest rates remain an important consideration, the businesses that are thriving in late 2025 are the ones looking beyond numbers—and focusing on the strategic structure of the lease itself. Whether you’re expanding
As Q4 approaches, Canadian small and medium-sized enterprises (SMEs) are gearing up for one of the busiest and most financially sensitive quarters of the year. Seasonal surges in transportation, construction, agriculture, and related sectors can bring tremendous opportunity—but also significant risk if equipment readiness and financing strategies aren’t aligned. From Abbotsford to Edmonton, businesses that
As mid-2025 unfolds, small and medium-sized enterprises (SMEs) in British Columbia and Alberta are reevaluating their equipment strategies ahead of Q4. The Bank of Canada’s July 30 interest rate hold at 2.75% has signaled a temporary pause in monetary tightening, but financing conditions remain tight. In this environment, equipment leasing has emerged as a more
The Bank of Canada’s recent decision to hold its key interest rate at 2.75% reflects a cautious but optimistic stance as inflation continues to cool. For Canadian small and medium‑sized enterprises (SMEs), this stability brings a rare window of predictability. After years of sharp rate hikes and volatile borrowing costs, businesses now have an opportunity
Canadian small and mid-sized businesses (SMEs) are entering Q3 2025 with a sharper focus on capital efficiency, especially when it comes to acquiring or upgrading essential equipment. A volatile mix of trade policy shifts, lingering tariff threats, and interest rate uncertainty is reshaping how businesses finance heavy machinery, trucks, trailers, and farming equipment. With the
