Versa CapitalProducts
For businesses in Quebec that finance construction, excavation or forestry equipment.
The need
This page is about construction equipment, excavation equipment and forestry equipment. Those are the assets Versa Capital already places in the Construction and Forestry sectors.
The file may be a lease, a term loan to purchase, or an operating lease. The choice follows the project, the business profile, liquidity, how long the asset will be held, and the long-term objectives.
Two ways to structure it
A term loan to purchase finances the acquisition: the business is the buyer and repays a loan. A capital lease, a form of leasing, is structured so the equipment can be acquired at the end of the term, according to what is written in the contract.
An operating lease with no purchase guarantee covers the use of the machine during the contract. The business has no commitment to buy the asset at the end.
If the business already owns the machine
A machine that is already paid for can be the subject of refinancing or a sale-leaseback. The starting point is then equipment the business owns, not a machine still to be acquired.
The accounting treatment depends on the contract and on the framework used. Versa Capital does not give tax advice. An accountant or a tax advisor confirms the treatment before signing.
Who it is for
Heavy machinery financing is for the sectors on the site where this equipment is already named.
Our approach
Grasp the business, its operations, its industry, its financial position and its ambitions.
Build a financing approach suited to the project, the profile and the client objectives.
Prepare the file and present it to the appropriate financial partners, with its strengths made clear.
Compare the options and make their effects easy to understand, so the decision is an informed one.
Coordinate the documentation, the negotiation, the signing and the funding, then remain available after the transaction.
More than 20 financial partners. One point of contact to compare and negotiate your options.
FAQ
Construction equipment, excavation equipment and forestry equipment, the assets already named in the Construction and Forestry sectors.
A capital lease, a term loan to purchase, or an operating lease with no purchase guarantee. The structure that is kept is the one in the contract, after a comparison with partners.
With a term loan, the business buys the machine and repays a loan. With an operating lease and no purchase guarantee, it uses the machine during the term, with no commitment to buy it at the end.
Yes, through refinancing or a sale-leaseback, described on the page for that purpose. That file starts from an asset the business already owns.
Versa Capital understands the project, structures it, presents it to more than 20 financial partners and compares the options with the business. One point of contact follows the file through funding.
No, not in a uniform way. The treatment depends on the contract and on the situation of the business. An accountant or a tax advisor must confirm it before signing.
Let us talk about your project
Every project deserves a considered structure.
Describe your financing need. An advisor at Versa Capital will contact you.
