Terms & Conditions

These Terms and Conditions govern your use of the Raymond Leigh website and any financing-related services provided by Raymond Leigh (“Raymond Leigh,” “we,” “us,” or “our”).

Raymond Leigh is a Montreal-based equipment finance brokerage serving businesses and equipment vendors across Canada.

We help businesses access equipment financing, equipment refinancing, sale-leaseback financing, working capital, invoice factoring, and other commercial financing solutions through a network of independent lenders and financing partners.

We also work with equipment vendors, dealers, manufacturers, and distributors that want to offer financing to their customers through vendor and embedded finance programs.

By accessing this website, submitting a financing request, or using our services, you agree to these Terms and Conditions.

Raymond Leigh is a financing brokerage and does not itself provide the financing. Financing is provided by third-party lenders and financing partners.

We act as a commercial financing brokerage and intermediary. Our role is to review financing requests, help identify suitable financing options, and introduce or submit transactions to independent lenders and financing partners.

The lender or financing provider is responsible for making the final credit decision and setting the applicable financing terms.

Nothing on this website constitutes a guarantee of approval, funding, interest rate, payment amount, financing structure, or closing timeline.

Depending on the transaction and the business, Raymond Leigh may assist with financing solutions including:

• Equipment financing
• Equipment refinancing
• Sale-leaseback transactions
• Working capital financing
• Accounts receivable and invoice factoring
• Commercial vehicle and fleet financing
• Heavy equipment and machinery financing
• Vendor financing
• Embedded finance programs
• Other commercial financing solutions

Financing availability, terms, rates, fees, repayment periods, advance amounts, and eligibility requirements vary by lender, applicant, transaction, equipment type, credit profile, business history, and other underwriting factors.

When you submit information to Raymond Leigh, you agree that the information you provide is accurate and complete to the best of your knowledge.

You may be asked to provide information or documents including:

• Business information
• Ownership information
• Financial statements
• Bank statements
• Accounts receivable information
• Equipment details
• Purchase invoices or quotes
• Credit information
• Identification
• Corporate documents
• Other information reasonably required to review the financing request

Providing information does not guarantee approval or funding.

By submitting a financing request or authorizing Raymond Leigh to review a transaction, you authorize us to share relevant business, financial, ownership, equipment, and transaction information with lenders, financing companies, factoring companies, insurers, service providers, and other financing partners where reasonably necessary to evaluate or complete the transaction.

We may submit a transaction to more than one financing source in order to identify available options.

We handle personal and business information in accordance with our Privacy Policy and applicable Canadian privacy laws.

Certain lenders or financing partners may require personal or business credit checks as part of their underwriting process.

Where required, appropriate consent may be requested before a credit bureau inquiry or other credit-related review is completed.

Lenders and financing partners may also conduct their own due diligence, identity verification, fraud prevention, asset verification, lien searches, corporate searches, or other underwriting procedures.

Any rates, payment estimates, approval timelines, advance amounts, loan-to-value estimates, or financing structures discussed before formal lender approval are indicative only unless expressly stated otherwise in writing.

Final financing terms are determined by the applicable lender or financing provider.

A transaction may be declined, changed, delayed, or withdrawn based on underwriting, documentation, asset verification, credit review, funding conditions, or other factors outside Raymond Leigh’s control.

Raymond Leigh may receive compensation from lenders, financing partners, vendors, borrowers, or other parties in connection with a funded transaction.

Compensation may include brokerage fees, referral fees, lender-paid commissions, origination fees, participation in financing economics, or other transaction-based compensation.

Where a fee is payable directly by a client, borrower, or vendor, it will be disclosed as part of the applicable transaction or agreement.

Financing providers may also charge their own fees, including documentation fees, administration fees, legal fees, registration fees, closing fees, or other charges.

Raymond Leigh may work with equipment vendors, dealers, manufacturers, distributors, and other businesses to help them offer financing to their customers.

These programs may include financing applications, referral processes, lender access, financing status visibility, and revenue-sharing arrangements.

Unless otherwise agreed in writing, participating vendors are not lenders and do not make credit decisions.

Financing decisions remain subject to the approval and underwriting requirements of the applicable financing provider.

Any vendor compensation, referral arrangement, or revenue-sharing arrangement will be governed by a separate agreement where applicable.

Raymond Leigh does not guarantee that any financing request will be approved or funded.

We also do not guarantee that a particular lender, rate, term, structure, payment amount, or financing product will be available.

Statements regarding typical approval times, lender access, transaction sizes, or funding timelines are general descriptions of our services and should not be interpreted as guarantees.

Information provided on this website is for general commercial and informational purposes only.

Raymond Leigh does not provide legal, accounting, tax, investment, or financial planning advice.

Businesses should consult their own professional advisors when evaluating the legal, tax, accounting, or financial implications of a financing transaction.

Raymond Leigh works with independent third-party lenders, financing companies, and service providers.

These third parties operate independently from Raymond Leigh and may have their own terms, privacy policies, underwriting standards, fees, and contractual requirements.

Raymond Leigh is not responsible for the acts, omissions, policies, decisions, or performance of independent third parties.

We make reasonable efforts to ensure that information on raymondleigh.com is accurate and current.

However, financing products, lender criteria, market conditions, rates, programs, and availability may change without notice.

Website content should not be considered a binding financing offer.

All website content, branding, written materials, graphics, logos, forms, tools, calculators, documents, and other materials created by Raymond Leigh are owned by or licensed to Raymond Leigh unless otherwise stated.

They may not be copied, reproduced, distributed, sold, or commercially used without written permission.

By submitting your contact information to Raymond Leigh, you consent to being contacted regarding your inquiry, financing request, application, vendor program, or business relationship.

Communications may occur by email, telephone, text message, or other reasonable business communication methods.

You may ask us to stop non-essential marketing communications at any time.

To the fullest extent permitted by applicable law, Raymond Leigh will not be liable for indirect, incidental, special, consequential, or punitive damages arising from:

• use of this website
• reliance on website information
• financing delays
• lender decisions
• declined applications
• changes in financing terms
• third-party actions
• failure of a transaction to close

Nothing in these Terms limits liability where such limitation is prohibited by law.

Our collection, use, storage, and disclosure of personal information are governed by our Privacy Policy and applicable Canadian and Quebec privacy laws.

Users should review the Privacy Policy before submitting personal or confidential information.

These Terms and Conditions are governed by the laws of the Province of Quebec and the applicable laws of Canada.

Any dispute arising from these Terms or the use of Raymond Leigh’s services shall be subject to the jurisdiction of the courts located in Quebec, unless applicable law requires otherwise.

Raymond Leigh may update these Terms and Conditions from time to time.

The most current version will be posted on this website together with the date of the latest update.

Continued use of the website or our services after an update constitutes acceptance of the revised Terms.

Raymond Leigh 5375 Rue Paré, Suite 200 Mont-Royal, Quebec H4P 1P7, Canada

Website: raymondleigh.com