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PHONE HOTLINE: 418 227-8384E-MAIL: info@finloc.com
Contact us
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Project Financing for Acquisitions and Fleet Expansion

Most equipment financing answers one question: how do I fund this unit? Project financing answers a different one — how do I fund a move that changes the shape of the business?
Talk to a financing expert

Using the equity you already own

If you've been operating for years, there's real equity in your fleet — equipment that's paid down or paid off, still working, still earning.

Project financing lets you leverage that equity to fund the next move, without selling anything or taking trucks off the road. Your operations don't change; your balance sheet does.

What project financing funds

two man handshaking outside in front of a red truck
Acquiring another carrierFund the purchase using equity across both fleets rather than cash on hand.
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Fleet expansion at scaleAdd capacity for a new contract in one transaction, not thirty.
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A new terminal or yardWhere the investment is property and infrastructure as well as equipment.
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Refinancing for cash flowRestructure existing obligations into terms that fit the business as it is today.

How it differs from standard equipment financing?

Equipment Financing
Project Financing
Funds
A specific unit
A business move
Security
The equipment being bought
Equity across assets you already own
Starts with
A credit application
A conversation
Structure
Standard
Built around the plan
Not sure? We'll recommend a solution rather than push a product

How does it work?

1
A conversation first
The structure depends on what you're trying to do. We work out what's possible before any application is submitted.
2
Structuring the transaction
Often a sale-leaseback: you sell owned equipment to Finloc and lease it back, running it exactly as before, while the released capital funds the project.
3
Funding the project
Documentation executed quickly, funds released, and your plan moves.

Why it makes sense to work with us

  • We assess the plan, not just the collateral. A bank looks at your statements. We look at your lanes, your equipment, your contracts and your fleet's actual value.
  • Our team averages over 45 years in equipment finance — depth that matters most on complex transactions, where the question is whether the whole plan holds together.
  • Financing transport equipment since 1999, backed by Manac Inc. and its 60+ years in the industry.

Project Financing FAQ

Frequently Asked Questions About Finloc 2000

 

What counts as a project?

Anything larger than a single-asset purchase: acquiring another carrier, opening a terminal, adding substantial capacity for a new contract, or refinancing to improve cash flow. If financing it unit by unit would be slow or awkward, it's probably a project.
How does a sale-leaseback work?

You sell equipment you already own to Finloc and lease it back, continuing to operate it exactly as before. The released capital funds your project. Nothing changes day to day — the trucks stay on the road and the drivers notice nothing.
Do I need to take equipment out of service?

No. That's the point of the structure. The equipment keeps earning throughout.
How long does it take?

Project transactions take longer than a standard equipment application, because the structure is built around the plan. 
Can you finance an acquisition where I'm buying another carrier's fleet?

Yes — this is one of the most common uses. We can assess equity across both fleets as part of the structure.
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