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NetFinance is all about serving the middle market as a one-stop resource for financing solutions. Not only are we equipped to handle the "hard to do" deals but, in many cases, we can even improve on the current financing program.

We continue to update and add new innovative financing products that fit your needs. Some of the current financing products that are available include:

Commercial mortgages
Short Term Bridge Financing
New and Old Equipment Leasing
Sale-Leaseback Financing
Healthcare Leasehold Improvement Financing
Raw Land Acquisition Financing
Financing for Expansion - Growth
Working Capital Financing
Inventory financing
Operating Lines of Credit
Private Mortgage Financing
Re-financing existing debt
Franchise Financing
Management buy-outs
Term Loans

 

Private "in-house" approvals to $5,000,000

Institutional funding approvals to $50,000,000

Coming Soon:

Purchase order Financing

   

If you have any questions, or need additional information, please do not hesitate to contact us.




BUSINESS LEASING
Leasing has become one of the most popular methods of financing for equipment and machinery acquisitions. In fact, 90% of all businesses use leasing to acquire some or all of the machinery and equipment they use to run their business.

Net Finance leasing programs provide the most efficient way for your business to acquire virtually any type of equipment, machinery or any other capital asset in Canada with:

On-Line Lease Quotations
On-Line Applications
Operating and capital leases
Established and New Businesses
Same day approvals up to $60,000
Transactions from $5,000
Up to 100% Financing
Terms from 12 - 84 months
Tailored Lease Structures available
Guaranteed Residuals
Fixed competitive rates
No Fees or Obligation
 
 

The Lease Advantage
 
   

Conserves capital and improves cash flow. Lease payments can provide the lessee with increased cash on hand, especially during the first year of use, since there may be less out-of-pocket cash for a down payment.

Up to 100% financing provided through the lease (which may even include shipping and installation charges), as opposed to a loan, which typically requires a significant down payment.
Hassle Free with NO annual review or requirement to provide annual financial statements to renew the financing. 
 

Preserves bank lines of credit which are increasingly difficult to extend. Your available credit line remains intact at your bank since the lease is handled through and payable to another funding source.

Fixed terms and payments are predetermined so that you can accurately predict future equipment costs and cash.
Tax Benefits allow you the opportunity to write-off your lease payments against your corporate taxes. You should consult with your accountant about your specific tax situation.

 

   

 

Ready to request financing?

Proceed to our Entrepreneur Section if you are ready to request financing. Talk to one of our financial professionals to guide your financing request and answer your questions. You can reach us by phone or by e-mail. Get detailed information about business loans. Our financial professionals understand the lending criteria, appetites and strengths of each provider.

Click here to read about what some of these clients are saying about us !

 








Listed below are some of the many specialized products and services we provide to meet the financing needs of the businesses and industries we serve.

Private Mortgage Financing
NetFinance is a licensed mortgage broker through Northland Mortgages & Investment Corp. and can fund "in-house" up to $5,000,000. Our mortgages are either 1st or 2nd with terms up to 2 years.

 

Term up to 2 years
Pricing 1st mortgage 9%; 2nd mortgage 11%
Primary Security Mortgage security
Payments Interest only monthly fixed payments over the term
Prepayment Subject to negotiation


Acquisition Financing
If you are looking to grow your business through acquisitions or buyouts, we can provide asset-based financing in-house to help you achieve your expansion goals.






Raw Land Acquisition Financing
NetFinance is a licensed mortgage broker through Northland Mortgages & Investment Corp. and can fund "in-house" up to $5,000,000. As well, we have relationships with several institutional mortgage, pension and insurance companies for larger and lower cost funding up to $50,000,000.

 

Term up to 2 years
Pricing between 5% (conventional) and 9% (private)
Primary Security Mortgage security
Payments Interest only monthly fixed payments over the term
Prepayment Subject to negotiation





Commercial Financing
If your current lender is unable to meet your commercial financing needs, you should talk with us and compare. In some cases, we may be able to meet or improve your current financing arrangements.

Credit Card Terminal Financing
Financing of credit card terminals and other related point-of-sale equipment.


Debt Refinancing
Refinancing helps businesses pay down current debt, pay off residual balances, obtain lower/fixed or floating rates or generate cash for working capital.

Debt Restructuring
Companies that need to refinance or restructure existing debt to increase availability of funds, preserve working capital and reduce expenses.

Export Working Capital Guarantee Program
For small and medium-sized businesses that have exporting potential but need funds to acquire inventory and finance work-in-process in order to sell Canadian goods and services to foreign customers.


Franchise Financing
Our financing options include construction loans, conventional term loans, business value loans, BIL loans, and equipment financing.

Growth Financing
We provide asset-based lending programs to support your company's growth needs. Rapidly growing companies turn to us to get the financing they need to fuel their growth

Hardware Financing
Leasing, financing and remarketing of computer hardware, communications, office products, electronics and other technology related business critical equipment for vendors, manufacturers, and dealers.

Healthcare Equipment Financing
A full range of customized services to the healthcare industry, including: equipment financing, leases, acquisition financing, sale and leaseback master lease lines of credit, and vendor financing.

Export Factoring
If you are a Canadian exporter, we can help your business finance foreign account receivable transactions. We can assist with insurance programs for foreign receivables that open up operating lines of credit with your bank that would not otherwise be available.






Lease Financing
We offer cost effective, off-balance sheet leasing services that are tailored to the individual needs of our customers. We provide a hedge against equipment obsolescence, by offering customized financing solutions that can help businesses quickly acquire or reduce equipment investment during market shifts.

New and Used Equipment Financing
NetFinance.ca offers new and used equipment financing programs and services to manufacturers, vendors and dealers in various industries. We can provide up to 100% financing with very flexible terms and conditions. Rates start as low as 5.5% for clients with a strong financial profile.

Leasing and financing of industrial equipment such as forklifts, machinery, logging and marine equipment, computer hardware, communications, office products, electronics and other technology related business critical equipment for entrepreneurs, manufacturers, and vendors.
Term 12 months to 5 years
Pricing Starting at 5.5%
Primary Security Specific Equipment
Payments Monthly fixed payments over the term of the lease.
Prepayment Subject to negotiation.




Sale-Leaseback Financing
We can provide re-financing programs on existing company assets that can significantly assist in adding working capital for start-up, on-going operations, expansion or growth where traditional bank financing is not available. This product is used by businesses that want to free equity that would otherwise be associated with equipment.

A sale/leaseback transaction involves our purchase of your equipment, which we then lease back to you to provide you with cash infusion and help you improve your liquidity and balance sheet.
Term 12 months to 4 years
Pricing Starting at 9%
Primary Security Specific Equipment
Payments Monthly fixed payments over the term of the lease.
Prepayment Subject to negotiation.

Health Care Leasehold Improvements Financing
If you are in the health care industry, we can finance 100% your leasehold improvements and include new or used equipment.
Term 12 months to 5 years
Pricing start at 5%
Primary Security Specific collateral/Equipment
Payments Monthly fixed payments over the term of the lease.
Prepayment Subject to negotiation.






M & A Finance
Growth financing for proactive merger and acquisition.

Management Buy-Outs
We can finance employee, partner or shareholder group succession transactions.

Off Balance Sheet Financing
We can help you take fixed assets and related debt off your balance sheet with one of our innovative lease products

Office Equipment Financing
Financing of office products and technology equipment.

Operating Leases
We can help you take fixed assets and related debt off your balance sheet with one of our innovative lease products. Generally used for your short-term equipment needs.


Operating Line of Credit
Our customers can enjoy many benefits from a line of credit, including cash injection and a quick response to their cyclical business situation.
Term Interest only, principal due on demand
Pricing Starting at Prime plus 1.5%
Primary Security Accounts receivable and inventory
Payments Interest only
Prepayment At any time without penalty

Professional Practice Financing
A full range of customized services to the professional practice including: equipment financing, leases, acquisition financing, sale and leaseback, lease lines of credit, and vendor financing






Term Loans
If your current lender is unable to meet your commercial financing needs, you should talk with our Commercial Services.
Term 12 months to 7 years
Pricing Starting at Prime plus 1.5%
Primary Security Assets based collateral, subordinated and unsecured
Payments Blended Monthly Principal and interest
Prepayment Subject to negotiation




Vendor Financing
Financial solutions tailored to each of our customer's specialized needs. Our vendor non-recourse financing programs offer full-service financing. Office products and technology equipment financing programs for manufacturers, resellers and distributors in Canada. We tailor and support financing programs for equipment manufacturers, vendors and dealers in various industries in Canada.


Working Capital Financing
Unsecured working capital term loans or sub debt.
Term 12 months to 7 years
Pricing Prime plus 2% to 12%. Financing for companies with proven earnings but have no collateral to pledge - somewhere in the middle on the risk curve and thus somewhere between senior debt and venture capital in price.
Primary Security General Security Agreement (GSA) which provides a floating charge over the assets of the business subject to all existing prior charges (and does not preclude your senior lender from extending further financing), assignment of life insurance on key management, limited personal guarantee(s).
Payments Blended Monthly Principal and interest
Prepayment Subject to negotiation
 
 

Commercial Mortgages

NetFinance is a licensed mortgage broker through Northland Mortgages & Investment Corp. and can fund "in-house" up to $5,000,000. As well, we have relationships with several institutional mortgage, pension and insurance companies for larger and lower cost funding up to $50,000,000.

If your business needs mortgage financing we can assist with the following types of properties:

  • Industrial Buildings 
  • Owner Occupied Business Property
  • Office Buildings and Stores
  • Multi Unit Condominium Developments
  • Nursing Homes and Stores
  • Hotels and recreation property
  • Industrial Land
  • And more!

For more information on our mortgage services, visit Northland Mortgage.