Fast-track tier — up to
$150,000
Financing structured for your immediate needs, subject to eligibility.
Financing — Product
Equipment financing.
Excavator, machine tool, specialized equipment, new or used: we prepare your request by demonstrating the link between the target asset, your capacity and your revenue — the logic a financial partner wants to see.
Ceneris Conseils is an advisory firm, not a direct lender. The approval decision rests with the financial partners; no financing, rate or timeline is guaranteed.
Of all business financing, equipment financing is the most concrete: an identifiable asset, an estimable useful life, a precise job to do. It is also where the quality of the file makes the greatest difference. Two businesses requesting the same amount for the same machine do not present the same risk: everything turns on what the equipment produces — contracts, capacity, revenue — and on the consistency between its useful life and the financing structure.
Our approach is therefore always the same: start from the asset and its real use in your business, compare the possible structures — term loan, lease — then present a request where the amount, the term and the asset tell the same story.
The three tiers
Three tiers, one well-built file.
Partner tier — up to
$1,000,000
Larger financing presented to our financial partners, with Ceneris acting as intermediary.
Bank tier
Several million $
Major commercial loans structured with the banks for your largest projects.
Ceneris Conseils is an advisory firm, not a direct lender. The approval decision rests with the financial partners; no financing, rate or timeline is guaranteed.
Typical needs
The needs we see most often.
- Production equipment — machine tools, lines, processing equipment, new or used.
- Jobsite equipment — excavators, loaders, lifts, specialized heavy tools.
- Specialized rolling equipment — service units, mounted equipment, technical trailers (see also the Carriers page).
- Technology equipment — systems and hardware that automate a production or operations step.
- Critical replacement — the asset whose breakdown or end of life directly threatens your deliveries.
Our role
What Ceneris structures for you.
We gather what an analyst will look for: the equipment quote or appraisal, its useful life, the intended use and the revenue or contracts that justify it. We then compare, in your file, conventional financing and leasing — using the asset without tying up your liquidity up front, with payments structured around the asset — with tax aspects validated with your accountant. Depending on the amount and the asset, the request goes to the fast-track tier, to our financial partners, with Ceneris acting as intermediary, or to the banks for heavy equipment and complete lines.
Process
Support in four steps.
1
The conversation
You present the target equipment and what it changes in your capacity; we look at the possible structures.
2
The structured file
Quote, useful life, supporting revenue: the asset and its financing tell the same story.
3
The presentation
Your file is submitted to the partners who finance equipment and match your profile.
4
The follow-up
We follow the progress with you, right through to the financial partner's decision.
FAQ
Frequently asked questions — equipment.
Is used equipment eligible?
Yes, requests can cover new or used equipment. What matters: the asset's condition, value and remaining useful life, demonstrated by an appraisal or a detailed quote.
Loan or lease: what is the difference for my business?
The loan makes you the owner of the financed asset; the lease gives you its use in exchange for structured payments, without tying up your liquidity up front. The right choice depends on the asset and your cash flow — we compare both in your file.
Do you need the equipment quote before calling you?
No: a first conversation can be based on the target equipment and your numbers. The quote will support the file when it is structured — ideally before the purchase, so you negotiate from a position of strength.
The right equipment, with the file that justifies it.
Talk to an advisor: 514-448-3727, ext. 102 — or submit your request online: seven fields, no banking documents at this stage.
An advisory firm, not a direct lender. Financing subject to eligibility; no financing, rate or timeline is guaranteed.