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Frequently Asked Questions

Everything you need to know for you to make a great decision. Just click on one of the sections below to find the answer.

If you still can't find an answer to your question, please give us a call at 1-800-510-8040 or send us an email at lease@arbutuscapital.com

Credit, payments, and process

Yes! We provide fast, flexible equipment leasing on new or used equipment for any industry. Give us a call and we can get you started.

As an independent financing company, we are not bound by the same decision-making practices and regulations of banks. We own our lease portfolio, so credit decisions are made in house. Give us a call – we're here to find ways to say “yes.”

We understand cash-flow and in many cases only need for the first rental payment in advance. This sets us apart from most lenders who require down payments.

Call us to discuss a sale-leaseback option, where we purchase your equipment & lease it back to you over time to improve your cashflow.

At the end of your lease, you may exercise the Purchase Option or return the equipment to Arbutus. Most business owners take advantage of the end-of-term Purchase Option because the equipment is worth more than the Purchase Option amount, or because returning the equipment to Arbutus would disrupt their workflow.

Even with imperfect credit, we will work with you to find a solution. Unlike our competitors, we base our decisions on a multitude of parameters including relationship, business performance and potential. We look at the big picture and don't get stuck on the usual business algorithms and metrics.

We aim to make the lease financing process as simple and efficient as possible, to get you your equipment fast. Expect to hear from us in one business day regarding your application.

Our lease contracts stipulate monthly lease payments throughout the term. However, if this is something that may cause issues for you, we ask that you let us know in advance of any approval we provide so we can determine how to best work with the seasonal nature of your business to find a solution that will work for both of us.

Equipment leasing

Start by filling out an application and providing us with a background of your business and the equipment you want or need. Once your credit application is approved and a lease agreement is in place, we finalize the purchase and you to get to put your newly acquired equipment to work.

Equipment lease payments do often have tax advantages for business owners. Check with your accountant regarding your eligibility for deductions.

Leasing keeps your financials healthy and your business on track by allowing you to keep your cash in your business – working for you instead of tied up in a piece of equipment. Leasing also has potential tax advantages versus a lump sum purchase.

An equipment lease agreement is a contractual document that defines the agreed upon terms of our deal: term, payment, conditions, end-of-term purchase option etc.

A lease has more potential tax benefits than financing because it is written as a rental agreement, and in many cases, 100% of the monthly rental can be written off as a rental expense. When financing equipment, only the interest amount is tax deductible. Check with your accountant for details on your specific situation and for current tax information.

Capital leasing

Leasing keeps your financial statements healthy. A lease is written as a rental agreement, and in many cases, 100% of the monthly rental can be written off as a rental expense on your financial statements, rather than a depreciating asset. Talk to your accountant about the potential benefits and current tax information.

A capital lease refers to a lease for an asset which is financed for most of its useful life and is consequently reported as a liability on the lessee's financial statements. An operating lease, in contrast, refers to a lease for an asset which is financed for less than its useful life and can be either returned to the lessor or purchased outright at the end of the lease term. An operating lease is consequently not capitalized on a lessee's books, providing the opportunity for it to be an off-balance sheet financing alternative.

Start leasing equipment

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