Nex Financial
Apply
Equipment Financing → Sale-Leaseback → Used Equipment → Refinance → Repair Loans Line of Credit Factoring Working Capital About Contact Apply →
Canadian commercial finance, since 2024

Capital that moves at the speed your business actually does.

Equipment financing, lines of credit up to $3M, factoring from 1.5%, and working capital loans — underwritten and funded by a partner network that says yes when banks say come back next quarter.

0
Approval turnaround
on most files
0
Factoring rates
as low as 1.5%
$0
Lines of credit
up to $3M
Trucking & Logistics Construction Manufacturing Restaurants & Food Service Medical & Dental Agriculture & Forestry Oil, Gas & Mining Wholesale & Distribution Office & Technology Trucking & Logistics Construction Manufacturing Restaurants & Food Service Medical & Dental Agriculture & Forestry Oil, Gas & Mining Wholesale & Distribution Office & Technology
Four ways we fund Canadian businesses

One place, four financing structures — matched to your balance sheet, not a template.

We sit on your side of the table, shop your file across our lender network, and deliver the structure that costs you the least over the life of the facility.

Core product

Equipment Financing & Leasing

New, used, dealer-purchased, or private-sale. Trucks, trailers, machinery, restaurant kitchens, medical suites, manufacturing lines — we structure the lease or loan that keeps your monthly cash flow intact.

Explore equipment financing
Programs included
Sale-Leaseback
Unlock equity in owned equipment
→
Used Equipment
Including private-party sales
→
Refinance
Lower monthly payments, extend term
→
Repair Loans
Same-day emergency funding
→
Quick specs
Amount
$5K – $2M+
Term
12–84 mo
Decision
24 hours
Up to $3M

Line of Credit

Revolving capital. Draw, repay, redraw. Pay interest only on what you use. Built for businesses outgrowing factoring or short-term loans.

See the LOC calculator
Specs
Rate
Prime + 12%
Ceiling
$3M
Closing
3.8% one-time
Funded
7–15 days
As low as 1.5%

Factoring

Same-day funding on your receivables. Your line grows with your AR — no re-application.

Built in
  • Same-day funding
  • Dedicated account manager
  • Collections handled
  • Elastic line — no reapply
Explore factoring
3–24 month terms

Working Capital Loans

Lump-sum funding for payroll bridges, supplier prepays, expansion, or inventory.

Quick specs
Amount
$25K – $1M
Decision
24–48 hr
Term
3–24 mo
Collateral
Often none
Explore working capital
Why we beat banks

Banks underwrite to a checklist. We underwrite to your story.

We only earn when your facility funds. So we fight for it — across multiple lenders, structures, and pricing models — until your file becomes a yes.

01 — Speed
24h

24-hour decisions, 7-day funding

Most equipment files clear underwriting same-day. Lines of credit and factoring fund within a week. We don't sit on your file — period.

02 — Network
∞

Dozens of lenders, one application

A "no" from one bank means nothing on our desk. We shop your file across our lender network until we find the structure with the best rate and terms for you.

03 — Humans
EN·PA·HI

Multilingual advisors, no call centres

English, Punjabi, Hindi — speak with a real person who understands your industry, your numbers, and the lender's appetite. From application to funded.

04 — Range
$3M

$25K to $3M, every structure

Equipment leases, sale-leaseback, revolving lines, factoring, term loans, refinance. One place, every facility your business needs to stay liquid and grow.

How it works

Four steps. About a week.

01
Apply

15 minutes online

Pick your product. Answer 10–15 questions. Connect business banking (view-only, ~2 min).

02
Match

Lender shopping

Your dedicated Nex advisor identifies the right lenders for your industry and submits to the best 2–3 fits.

03
Approve

24–72 hour term sheets

We walk you through pricing, terms, and trade-offs so you pick the structure that actually fits your business.

04
Fund

Same-day to 7-day wire

Sign electronically. Funds wire same-day for most equipment files, within 7 days for LOCs and factoring.

Are you overpaying for capital?

See exactly how much factoring is costing you — and what a line of credit would cost instead.

Our LOC calculator takes your real numbers (monthly invoice volume, your factoring rate, customer payment terms) and shows the spread in plain dollars. No sales pitch, no fake savings.

PREVIEW · YEAR-ONE SAVINGS
$0
Based on $250K/mo invoice volume, 2.5% factoring rate, 45-day customer terms.
Annual factoring cost$75,000
LOC interest (Prime + 12%)~$63,800
Year-2+ ongoing savings~$11,200/yr
Lender network · Built across Canada

Nex sits between you and a network of Canadian commercial lenders, alternative finance companies, and equipment specialists — so one application reaches the right desks.

Schedule I & II banks Credit unions Equipment specialists Asset-based lenders Factoring companies Alternative funders Schedule I & II banks Credit unions Equipment specialists Asset-based lenders Factoring companies Alternative funders

Tell us what you need to fund.

Apply online, or talk to a Nex advisor for 15 minutes. No pitch, no pressure — we'll tell you straight whether we can help.

Start application Book a call
Or call (855) 900-0639 · apply@nexfinancial.ca