Commercial Equipment & Working Capital
Your Business. Your Next Chapter. Capital for What’s Next.
Flexible equipment leasing, sale-leaseback equity take-outs, and commercial working capital for growing businesses across Canada. Approvals structured around real-world assets and cash flow.
- Funding range
- $10K to $1,000,000+
- Initial review within 24 hours
- Fast Response
- Purchases we finance
- New, Used, Private & Auction
- Coast-to-coast lending panel
- Canada-Wide
01Financing Solutions
Capital Structured Around Your Business
Four ways to fund what’s next, each built on the equipment and cash flow behind your business.
Equipment Lease-to-Own & Term Financing
Lease-to-own, FMV, and capital leases tailored to your tax and cash flow needs.
Sale-Leaseback & Equity Take-Out
Refinance owned or encumbered assets to unlock capital for operations and growth.
Commercial Working Capital & Lines
Non-dilutive liquidity for payroll, bulk materials, and seasonal cash flow gaps.
Auction & Private-Party Financing
Fast pre-approvals and rapid settlement for auction buys and private-party sales.
Commercial Assets & Capital Deployed Coast-to-Coast
Asset-backed commercial capital and liquidity structured for commercial companies across Canada.
02Comprehensive Asset Coverage
Industries We Power
Select an industry below to view covered sub-sectors.
- Civil Earthmoving & Paving
- Commercial Contracting
- Mechanical & HVAC Systems
- Demolition & Site Remediation
- Utility & Pipeline Work
- Long-Haul & Regional Freight
- Heavy Haul & Specialized Transport
- Refrigerated & Cold-Chain Carriers
- Vocational Dump & Bulk Hauling
- Fleet Delivery & Couriers
- Precision CNC & Metal Fabrication
- Food & Beverage Packaging
- Plastics & Extrusion
- Material Handling & Warehousing
- Millwork & Wood Processing
- Grain & Cash Crop Operations
- Livestock & Dairy Farming
- Commercial Greenhouses & Nurseries
- Custom Harvesting Contracting
- Feed & Agricultural Supply
- Commercial Fleet Maintenance
- Collision Centers & Repair
- Heavy Duty Truck Service
- Towing & Recovery Operations
- Commercial Service Facilities
- Dental Clinics & Practices
- Veterinary Hospitals
- Optometry & Vision Care
- Diagnostic & Imaging Centers
- Physical Therapy & Rehabilitation
- Medical Spas & Laser Clinics
- Dermatology Practices
- Salon & Day Spa Facilities
- Fitness & Wellness Studios
- Cryotherapy & Recovery Centers
- Full-Service & Quick Restaurants
- Craft Breweries & Distilleries
- Commercial Bakeries & Commissaries
- Catering & Event Venues
- Institutional Food Providers
- Independent Grocers & Markets
- Building Supplies & Hardware
- Specialized Commercial Retail
- Commercial Laundry Services
- Janitorial & Facility Services
- Data Centers & Server Facilities
- Telecommunications & Fiber
- Engineering, Geomatics & Surveying
- Broadcast & Production Studios
- IT Managed Services
- Hydrovac & Safe Excavation
- Oilfield & Site Support Services
- Renewable Energy & Solar Installations
- Forestry & Land Clearing
- Environmental Remediation
Don’t see what you’re looking for?
Tell us what you need and a Kivo advisor will find the right structure.
Request a Quote03Dealer & Vendor Finance
Close More Deals. Put Equipment on Site Faster.
A dedicated point-of-sale financing partner for equipment dealers, distributors, and private sales reps across Canada.
Fast Deal Turnaround
Deliver fast point-of-sale financing responses to keep transactions moving and close buyers on the spot.
A-to-D Credit Spectrum
From prime rate borrowers to new owner-operators and challenging credit, we find a funding home.
Direct Funding on Delivery
Fast funding release upon invoice sign-off, protecting your cash flow and deal margins.
04How It Works
The Kivo 3-Step Process
From initial intake to deployed capital, in three clear steps.
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01
Tell Us What You Need
Share your equipment quote, asset details, or target funding scenario.
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02
Tailored Underwriting
We match your file with competitive structures from our diverse commercial lending panel.
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03
Direct Funding & Deployment
Agreements are executed via secure e-signature and capital is disbursed.
No SIN or banking details required. Response within 24 hours.
05Request a Financing Quote
Let’s Talk About Your Next Move.
Submit your transaction details below. A Kivo finance manager will review your equipment specifications and cash flow needs, and connect with you within 24 hours.
- Direct review by a dedicated finance manager
- No initial impact to personal or corporate credit
- Tailored structures: Lease-to-own, Fair Market Value, or Working Capital
Prefer to write? Email info@kivocap.com.
