How it works
Start with the business.
Then structure the capital.
You do not need to know which financing product you need before speaking with us. Raymond Leigh works as an equipment finance brokerage. We review your business and financing need, then match the transaction across 40+ Canadian lenders and financing partners. You get an answer within 48 hours.
The process
Five steps, from first conversation to closing.
01
Tell us what you need
Start with the business need. We will work backward from there.
Maybe you are buying equipment.
Maybe you sell equipment and want financing available to your customers.
Maybe you own equipment you could refinance, or you are waiting on invoices to be paid.
02
We look at the full picture
Understand what the business can actually support before recommending a structure.
Equipment you are looking to purchase
Equipment you already own
Outstanding receivables
Existing financing
Revenue and overall business performance
03
We identify the right structure
Not every business should be pushed into the same type of financing.
Equipment Financing: acquire what you need without paying the full cost upfront.
Equipment Refinance: access equity already built in equipment you own.
Sale-Leaseback: turn owned equipment into working capital while you keep using it.
AR & Invoice Factoring: access cash tied up in receivables.
04
Compare the options
We take the file to the lenders that fit and compare what comes back, so you choose a structure that makes sense.
Total cost and repayment structure
Term and cash-flow impact
Collateral requirements
Speed and flexibility
What the financing is being used for
05
Move forward with the right fit
The lender provides the financing. We coordinate documents and stay involved through funding. If a structure does not make sense, we will tell you that too.
We coordinate the information required.
We work through the financing process with the lender.
We stay involved through closing.
Structures we arrange
You do not have to pick first
Deciding which option fits is part of the work we do with you. Here is what is on the table.
For equipment vendors
If you sell equipment, Raymond Leigh can also work behind your sales process.
Your customer applies for financing, we review the transaction and route it across the lenders and financing partners that fit the file. You stay focused on the customer and the equipment sale while we handle the financing process.
Our approach
Why Raymond Leigh works this way
Equipment financing works best when the file goes to a lender that understands the asset, the business and the transaction.
Short-term cash advances
Fast money priced off cash flow alone, often at a cost the business cannot carry for long.
We look at other routes before recommending one.
Raymond Leigh
One process for equipment purchases, refinancing, factoring and vendor programs, routed across 40+ lenders and financing partners.
Each file goes to the lenders most likely to understand it.
The obvious option
The first product a business is offered is rarely the one best matched to the situation.
The first offer is worth comparing against what other lenders would do.
Uses
What can the financing be used for?
The financing structure depends on what the business is buying or already has, and what the financing needs to accomplish.
Equipment purchases
Working capital
New contracts
Materials
Inventory
Payroll
Expansion
Acquisitions
Debt refinancing
Seasonal needs
Before you call
Frequently asked questions
A rough picture. What equipment you are buying or already own, whether there is debt against it, what receivables you carry and roughly what you are trying to accomplish.
The initial review does not require a hard credit pull. If a file moves toward funding, we tell you before anything is pulled.
You get an answer within 48 hours, whether that is an offer, a refinance amount or a recommended structure. After that, simple receivables facilities can fund within days, while equipment transactions typically take longer depending on valuation and documentation.
Next Step
You do not need to have it figured out before you call.
Tell us about the business, the equipment involved and what you are trying to accomplish. We will help you determine what makes sense.