Commercial financing brokerage, across Canada
We build your file around each lender's criteria, present it to the ones that actually finance your industry, and negotiate all the way to signing.
Our solutions
New or used, from a pickup to a production line. We are not tied to any institution: we choose the structure that serves your business.
Buy the equipment you need without draining your cash or eating into your line of credit. Loan or lease, structured with your accountant.
Trucks and trailers, excavators, loaders, tractors, machine tools, forklifts, medical equipment.
Your paid-off equipment can become cash again. You get capital on your assets, you keep them and you keep working with them.
To get through a cash crunch, pay a supplier or seize a contract.
Cash to absorb growth, cover expenses and stabilize your working capital, including when the bank has already said no.
Assessed based on your contracts and revenue, with repayments adapted to your cycle.
Your 30-, 60- or 90-day invoices become cash now. You no longer wait for your clients to pay to keep the business running.
For businesses that invoice slow-paying general contractors and clients.
The reality of financing in Canada
Lenders look at the age of the business, the collateral and the industry's risk. A poorly presented file sent to the wrong lender means a refusal. Here is what federal data shows.
of credit requests from businesses 2 years old or less are approved. For those over 20 years old, it's 94%.
A 41-point gap between the youngest and the most established businesses.
In a single year, from 2023 to 2024, the share of borrowers who had to pledge assets as collateral jumped by 20 points.
Profitable, but short on cash: one SME in two says a lack of cash flow keeps it from buying the equipment it needs. Yet 42% of SMEs plan to invest in machinery and equipment in 2026 (BDC, January 2026). The need is there; what's missing is the right financing structure.
Sources: Innovation, Science and Economic Development Canada, Small Business Credit Condition Trends, 2014 to 2024 (small businesses with 1 to 99 employees). CFIB, Your Voice survey, August 2024. BDC, SME Investment and Financing Outlook, January 2026.
The right file, in front of the right lender, changes the answer.
Case studies
ConstructionIncorporated for 2 years$800,000 in revenue
PavingIncorporated for 5 years$1.2M in revenue
ExcavationIncorporated for 15 years$7M in revenue
52 weekly payments, over 12 months
Our process
Four steps, one point of contact. You always know where your file stands.
About twenty minutes to understand your need, your equipment and your business.
We analyze your file against lenders' criteria and target, among more than 20 partners, the ones that actually finance this type of project.
We present the file and negotiate the terms. You don't have to go from bank to bank.
An answer in under 24 hours. You sign, and the funds are released.
Calculator
Choose the amount and the term. You see your monthly payment and your balance, month by month.
Client reviews
I worked with Antoine on my financing and received truly remarkable service. I highly recommend him, and I'll be reaching out to him again for my next financing request. Thanks again to the team!
Very professional service!! I recommend them!!
Despite a complex transaction, Valcruz Capital Group was able to manage the situation with professionalism and find an effective solution. This experience has allowed us to establish a strong business relationship that we intend to pursue in the future.
They helped me get financing so I could grow my business.
Professional, fast and attentive. They simplify everything and find concrete solutions. I recommend them 100%.
Impeccable service from start to finish. You feel taken care of, listened to and, above all, well advised. […] I would do business with them again without hesitation!
They were a great help with financing for the business! Good service, we highly recommend them.
Excellent service, attentive to the needs of the business!
Excellent, professional service that listens to the client.
I financed a truck with them. Good service, fast and efficient. I recommend them!
Having already worked with them, I truly recommend them. Excellent and very professional service!
Really good service.
Let's look at your file
A free consultation of about twenty minutes, with no commitment. You leave with a clear view of your options.
A few minutes, online or by phone.
They take the time to understand your need, your equipment and your business.
Presented clearly, with the structure we recommend.
