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Need a new excavator, dental chair, or trailer for your business? This Rollup Financial Equipment Financing Calculator helps Canadian owners estimate monthly payments for Lease to Own and Micro Ticket transactions.
Pick your industry, enter the equipment cost and down payment, choose APR or factor rate, add taxes and fees, and get a clear breakdown with amortization and end-of-term buyout. When you like the numbers, apply with Rollup Financial for fast, flexible funding.
Lease to Own up to $200k, terms 12–72 months with buyout options, plus Micro Ticket transactions from $2k to $10k. Built for Canadian SMBs across many industries.
Estimate monthly payments and total cost for equipment financing in Canada. Pick your industry to pre-fill realistic amounts and terms, choose APR or factor rate, set taxes and fees, then click Calculate to reveal a clear breakdown. Supports Lease to Own and Micro Ticket transactions.
Tiles reflect industries commonly funded. Tap one to pre-fill typical ticket size, term, and rate assumptions. You can edit any field below.
Percent and amount sync automatically.
Micro Ticket often uses shorter terms. Lease to Own can extend up to 72 months.
Enter your province’s combined rate such as 13% HST in Ontario.
Some leases include a small purchase option at the end.
A factor rate such as 1.25 multiplies the financed amount to determine total repayment before any end-of-term buyout. A 1.25 factor on $10,000 means $12,500 is repaid over the term. This calculator also estimates an implied APR so you can view a comparable amortization schedule.
You can choose the product type directly. If set to auto detect, smaller amounts in the range of two to ten thousand dollars are treated as Micro Ticket while larger amounts are shown as Lease to Own. This helps model typical use cases without limiting your options.
Either approach is common. The calculator assumes taxes are financed on the price after down payment. If you plan to pay taxes upfront, increase your down payment accordingly to simulate that scenario.
In most leases the buyout is paid at the end of the term, so monthly payments remain the same. The buyout increases your all-in cost and is reflected in the total finance cost metric.
Yes. Select factor rate then input a value such as 1.20 or 1.35. The tool will compute level payments and show an implied APR for schedule visuals. Exact lender structures can vary.
Common categories include transportation and trailers, construction, printing and computers, audio and visual, medical and dental, fitness, welding, janitorial and sanitation, and agriculture and landscaping. Use the Other tile for anything not listed.
Prepare recent bank statements, invoices or quotes, clear equipment details such as age and condition, and demonstrate stable cash flow or signed contracts. A reasonable down payment can also help.
Some agreements offer early payoff options or purchase options before maturity. Check your contract for prepayment terms and any fees.
Certain lenders offer seasonal structures or skip-payment features for industries with uneven cash flow. Discuss these options during application to ensure the structure matches your revenue cycle.
They are planning estimates based on your inputs. Actual approval, rate and term depend on credit profile, time in business, equipment type and condition, and lender policy.
Fast decisions for Canadian SMBs across transportation, construction, medical and dental, printing and more.
