Operating lease

Expand your operations with equipment financing

Rent the equipment your business needs to sustain or expand operations with our flexible operating leases. Manage your budget by making fixed, regular lease payments and either return or purchase the equipment at the end of the term.

What is an operating lease?

Customized leases for equipment upgrades

An operating lease is an agreement that lets businesses use equipment for a fixed or shorter period of time than longer-term capital leases. With customized terms and payment structures, affordably add premium equipment to your operations while saving capital for other expenses.

Why use an operating lease?

Optimize capital to move your business forward

Lease high-value equipment to grow or sustain your operations without large upfront costs. At the end of the term, choose to return, or purchase the equipment.

  • Key benefits

    Add equipment to your operations with flexible terms and payment structures.

    • Equipment upgrades

      Get the latest equipment to work more efficiently without relying on outdated technology.

    • Accurate budgeting

      Make fixed, regular payments with no money down, and save working capital for other expenses. 

    • Off-balance-sheet expense

      Record short-term leases as an expense instead of a liability for accounting purposes.*

    • Flexible end-of-term options

      Return or purchase equipment at the end of the term.

    *Mitsubishi HC Capital Canada does not have an opinion as to the accounting or tax treatment of a transaction. We recommend that you consult your external advisors for counsel.

  • Who it helps

    Operating leases are ideal for new or growing businesses that need equipment with flexible terms, including:

    • Cranes
    • Energy equipment
    • Forklifts
    • HVAC
    • Lighting
    • Machine tools
    • Medical imaging
    • Trailers
    • Tractors
    • Vehicles

Industries

Custom financing for Canadian businesses

Many companies use operating leases for short-term equipment use. Contact us to see if it’s right for you.

  • Rising costs and competition are challenging contractors, OEMs, and dealers to operate efficiently while also being more productive. Secure the equipment, technology, and working capital you need to succeed with our customizable construction financing solutions.

    • Operating lease
    • Inventory financing
    • Equipment refinancing
    • Vendor and broker financing
    Explore this industry
  • Breakthroughs in diagnostics and patient care require healthcare providers to keep pace with new medical equipment and technologies. Our custom financing solutions can help your organization upgrade equipment, resources, and improve services more affordably.

    • Operating lease
    • Equipment refinancing
    • Asset-based lending
    • Vendor and broker financing
    Explore this industry
  • Equipment financing offers industrial businesses a more competitive cost of capital, favourable tax benefits, and greater flexibility compared to traditional loan products.

    • Operating lease
    • Asset-based lending
    • Vendor and broker financing
    • Equipment refinancing
    Explore this industry
  • Keeping up with the latest technology, office equipment, and furniture can prove to be a significant financial investment. Get the equipment you need while still maintaining a healthy cash flow and budget with our tailored solutions.

    • Operating lease
    • Vendor and broker financing
    • Equipment refinancing
    Explore this industry
  • Automation and technology innovations are helping businesses work with goods and inventory more efficiently. Our customized financing solutions will help you invest in the material handling equipment and resources needed to take your business forward.

    • Operating lease
    • Asset-based lending
    • Equipment refinancing
    Explore this industry
  • The cyclical and unpredictable nature of this industry can make it more difficult for OEMs, dealers, and suppliers to control cash flow while meeting customer needs. As a leader in class 1-8 vehicle financing, we’ll help you navigate market changes, invest in new technologies, and provide top service.

    Explore this industry

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