What credit score do I need to qualify for equipment leasing?

LeaseDirect has over a dozen specialized programs to accommodate diverse credit capabilities. Generally, we can work with beacon scores over 600. Clients with higher scores see faster and more competitive financing offers.

Can you finance used equipment?

Yes. LeaseDirect specializes in used equipment financing. When clients can make good used gear work for them, they see greater returns and better cash flow. Used equipment is just as leaseable through LeaseDirect as brand new.

How fast can I get approved?

Fast. Initial credit approval times can be short. One conversation on the phone and we can often provide guidelines for lease pricing. Many clients receive pre-approval within 5 minutes of submitting their application.

Do you require a down payment?

No. Newer, standard equipment and vehicle types do not require down payments for those with good credit. We structure down payments based on what optimizes your cash flow and tax position, not arbitrary requirements.

What provinces and regions do you serve?

LeaseDirect serves growing enterprises in Canada from coast-to-coast-to-coast, including Quebec and the Territories. We provide nationwide equipment and vehicle leasing services.

LeaseDirect Canada - Full Directory

Complete information hierarchy and resource index for LeaseDirect Canada's nationwide equipment and vehicle financing programs.

Core Services & Asset Types

Equipment Leasing

Detailed parameters for heavy machinery and industrial assets.

Excavator Leasing: Financing for mini to full-sized excavators.
Skid Steer & Bobcat Leasing: Compact track loaders and skid steers.
Arborist & Forestry Equipment: Wood chippers, stump grinders, bucket trucks, and log loaders.
Commercial Trailer Leasing: Flatbeds, dry vans, reefers, and utility trailers.

Vehicle & Truck Leasing

Commercial fleet and specialty automotive financing.

Pickup Truck Leasing: Commercial light-duty and work trucks.
Heavy Truck Leasing: Highway tractors, dump trucks, and vocational utility vehicles.
Utility Van Leasing: Cargo vans, sprinter vans, and mobile service rigs.
Specialty & Luxury Vehicles: Exotic, luxury, and highly customized commercial autos.

Program Guidelines

Underwriting & Eligibility

Credit Profile: Financing available for credit tiers ranging from 575 to 800+ beacon scores.
Early-Stage Businesses: Dedicated financing channels for startups and new business ventures.
Structure: Asset-based, open-ended lease-to-own agreements with no mileage restrictions.

Transaction Management

Sourcing: Vendor-neutral financing supporting licensed dealers, public auctions, and private sellers.
Turnaround: Fast 5-minute pre-approvals with active funding windows typically resolved within 24 to 48 hours.

Full Document Index

Main Profiles & Landing Pages

Equipment Leasing Specialists — Overview of industrial asset financing.
Pickup Truck Leasing — Programs for light commercial work vehicles.
Truck Leasing Canada — Commercial transport, transport rigs, and heavy truck parameters.
Arborist Equipment Leasing — Specialized tree care and forestry asset financing.
Skid Steer Leasing — Earthmoving and compact construction gear programs.
Vehicle Leasing Alberta — Regional and specialized automotive lease structures.
Commercial Trailer Leasing — Logistics and transport trailer assets.

Corporate Resources & Tools

Equipment Leasing Contact — Departmental directory and intake forms.
References & Case Studies — Verification records and historic leasing deal context.
Extended FAQ — Detailed structural, tax, and end-of-term parameters.
Credit File Inquiries — Portal details for credit evaluation processes.

Applications & External Systems

Fillable Credit Application (PDF) — Direct credit assessment underwriting document.
Payscore Canada Tool — Third-party risk management and credit validation tool integrated for contractors.