Valcruz Capital Group Apply for financing

Case studies

Real files, tailored solutions.

Every business arrives with its own situation: an offer to validate, a refusal from the bank, a cash crunch. Here is how we structured some of our files. Our clients' names remain confidential.

ConstructionLeaseIncorporated for 2 years$800,000 in revenue

A new $120,000 pickup. The dealer was imposing a $12,000 buyout.

$12,000 $100 buyout, with Valcruz
Dealer$12,000
With Valcruz$100
The need
A new $120,000 pickup.
The obstacle
A 96-month loan or a 60-month lease, with a $12,000 buyout.
What we did
Tax treatment compared with the client's accountant, file presented to a top-tier lender.
The result
A 72-month lease with a $100 buyout.

PavingRefinancingIncorporated for 5 years$1.2M in revenue

Clients paying late. Paid-off equipment sitting idle in the yard.

$0 $90,000 put back into the business
  • Pickup
  • Pickup
  • Ten-wheel truck
  • Paver
Share of market value obtained in cash60%
The need
Cash to cover clients' late payments.
The obstacle
Paid-off but idle assets.
What we did
Two separate files based on the age of the equipment, each with the best-placed lender.
The result
$90,000 in cash. The equipment stayed on the job.

ExcavationWorking capitalIncorporated for 15 years$7M in revenue

The bank refused to increase the line of credit.

Refused by the bank $600,000 in working capital obtained

52 weekly payments, over 12 months

The need
More cash flow to support growth.
The obstacle
A refusal from the bank.
What we did
A file built on the company's signed contracts.
The result
$600,000 obtained, repaid weekly over 12 months.

TransportationEquipment financingIn business for 10 years$1.5M in revenue

Three trucks, two offers in hand. Which ones were really the best?

Two offers to validate $600,000 for three trucks
  • New truck$250,000Manufacturer's offer kept
  • Used truck$200,000New lender, better terms
  • Used truck$150,000New lender, better terms
The need
A new $250,000 truck and two used trucks at $200,000 and $150,000.
The obstacle
Two offers already in hand: the manufacturer's, and one from a former lender for the used trucks.
What we did
We advised him to keep the manufacturer's offer, which was excellent. The used trucks went to a lender more competitive in transportation. Cash purchase and financing compared with his accountant.
The result
72 months, a very low buyout, several thousand dollars saved and a new lender in his network. Funds released in 2 weeks.

ConstructionEquipment financingIn business for 6 years$800,000 in revenue

A difficult personal credit file. An excavator anyway.

Difficult personal credit $70,000 financed without a personal guarantee
  • 1st financing repaid
  • 2nd financing repaid
  • 3rd financing repaid
  • 4th financing repaid

The company's history: no payment defaults

The need
A $70,000 excavator.
The obstacle
A difficult personal credit file. The owner didn't believe it would go through.
What we did
A file put together in the company's name only, with a lender that relied on its revenue, cash flow and commercial history.
The result
Excavator financed on good terms, without a personal guarantee. Funds released in about a week.

Snow removal and landscapingRefinancing$2.5M in revenue

A $500,000 municipal contract to deliver, and no more cushion in the account.

Contract to deliver, cash flow dry $150,000 put back into the account
Snow removal tractors, first lender70%
Pickups and trailers, second lender60%
The need
Working capital to carry out a municipal contract won through a call for tenders.
The obstacle
Unexpected expenses and clients paying late.
What we did
The paid-off equipment was refinanced with two lenders, each specialized in its type of asset.
The result
$150,000 in cash, less expensive than a loan elsewhere, with the tax advantages of refinancing.

Let's look at your file

Let's talk about your next financing.

A free consultation of about twenty minutes, with no commitment. You leave with a clear view of your options.

Apply for financing

What happens next

  1. You fill out the request

    A few minutes, online or by phone.

  2. An advisor calls you

    They take the time to understand your need, your equipment and your business.

  3. You receive your options

    Presented clearly, with the structure we recommend.

Phone
(888) 824-1018
(888) VCG-1018, toll-free
Office
304-2100 Guy Street
Montréal, Quebec