Lease Financing

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Lease financing solutions can create greater efficiency in cash flow and may simplify corporate taxes. Companies dependent on high-cost assets to generate revenue will benefit from leasing by better aligning the cost of acquiring those assets with the ability to generate revenue.

Lease Financing

Typical equipment financing structure

  • Capital lease: Your company buys out the residual at the end of the lease or can refinance the lease in line with the useful life of the asset. Your company retains the benefit of warranties and guarantee
  • Conditional sale agreement (CSAs): A conditional sale agreement is structured similarly to a capital lease; however, it may qualify for different reporting and tax recognition depending on your company’s specific situation
  • Green Lease & Green CSA, certified by HSBC using the Loan Market Associates Green Loan Principals
  • Sales Leasebacks


With over 35 years experience providing leasing solutions in Canada, we focus on simplicity and customer service. They are the keys to being successful in providing the best leasing solutions.

100% Financing to protect your cash:

Lease financing can provide financing for 100% of the value of a purchase. Most term loans will cap the loan to value ratio at 75%, forcing companies to use short term cash or operating capital to finance productive assets.

Green Equipment Finance:

HSBC is guided by the Loan Market Association’s Green Loan Principals to qualify certain equipment finance assets as green. This allows you to showcase your company’s commitment to green initiatives to stakeholders, including customers, suppliers and employees.

Long term financing for long term assets:

With lease financing, companies can better align the cost of acquiring the asset to the ability to generate revenue. This can also make forecasting and cost analysis easier and more accurate.

Simpler tax accounting:

When you take advantage of lease financing, accounting for the expense is linked to the lease payment. No more complex depreciation tables – you can rely on a stable accounting over the course of the asset's lifespan.

Reduce upfront sales tax liability:

Pay a portion of the sales tax with each lease payment, spreading the tax liability across the life of the asset. With large scale purchases this can save a significant amount of up-front expense and further align the cost with the assets ability to generate revenue.

Lower or no legal fees:

Lease financing may have lower legal costs than traditional financing, or perhaps no legal fees at all.


With over 35 years experience providing leasing solutions in Canada, we focus on simplicity and customer service. We have leasing employees across Canada dedicated to sales and service for both full-service and standalone leasing customers, and with a leasing book of over CAD 2 billion, we are one of the largest bank leasing providers in the country.

Keeping it simple for customers

HSBC leases are structured under a Master Lease Agreement. Once a certain lease credit facility is approved, adding new equipment is quick and easy. Each new asset is not a new lease deal; it is simply a new schedule under the Master Lease Agreement.

A company can obtain lease financing regardless of whether there is an existing banking relationship with HSBC

Understanding customers overall financing needs

Unlike mono-line lease companies or other Financial Institutions, leasing is a support to the overall relationship with HSBC. Whether it is a leasing solution, a trade finance solution or a more traditional financing package, we have a full view of a company’s needs and the right financing package to drive success.

Strategic financing

With a credit department that understands leasing and the experience of our senior team, approvals can be provided to connect our customers to the best deals. Asset upgrades can be a reaction to market forces and need to act fast to take advantage.

Custom solutions

We can customize the lease structure to a company’s needs with variable payment schedules and flexible structures.

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