Business Details
19 Years
experience
Trusted Equipment Financing Solutions in Toronto
Jocova Financial has been a trusted leader in small business financing across Canada since 2007. Our expertise lies in delivering tailored equipment financing, leasing solutions, and working capital loans to manufacturers, distributors, and equipment dealers. We specialize in helping businesses acquire essential equipment and software through competitive financing options while prioritizing fast approvals and low rates. Our team of industry experts leverages technology and deep sector knowledge to structure financing solutions that align with client cash flow needs, including seasonal payment plans and customized terms.With a focus on customer success, we maintain a high approval ratio by evaluating creditworthiness beyond automated scoring systems. Our commitment to innovation ensures businesses preserve capital, retain borrowing power, and overcome budget constraints through flexible financing structures. Headquartered in Toronto, we serve Canadian businesses nationwide, combining progressive thinking with a comprehensive ecosystem of financial products to support sustainable growth.
Services
Equipment Financing
Business Loans
Dealer Programs
Factoring
Insurance
Auto Financing
Working Capital
Buy & Sell Equipment
Details
- Year established: 2007
Highlights and features
- We offer industry-leading rates and programs for equipment financing
- Our high approval ratio accommodates new and established businesses
- We provide quick turnaround times on applications and fundings
- We structure customized financing options aligned with business cash flow
- We support Canadian businesses nationwide with localized expertise
Services
Equipment Financing
Our equipment financing solutions enable businesses to acquire essential machinery, vehicles, and technology without upfront costs. We offer flexible terms from 6 to 18 months with payments aligned to business cash flow cycles. Clients benefit from 100% cost coverage, including accessories and installation, while preserving working capital for operational needs. This service supports both new and used equipment purchases through dealer networks or private sellers.
Business Loans
We provide unsecured business loans ranging from $5,000 to $250,000 for operational expenses, inventory purchases, marketing campaigns, and debt consolidation. Funds are deposited directly into accounts within days of approval, with repayment terms matching business revenue cycles. No collateral requirements make this accessible for growing companies needing immediate liquidity to capitalize on opportunities or manage cash flow gaps.
Dealer Programs
Our dealer programs help equipment manufacturers and distributors increase sales through competitive financing offers. We create customized payment plans with low or zero interest rates, seasonal payment options, and no-payment periods. These solutions improve customer acquisition by making high-cost equipment more affordable while providing dealers with fast approval processes and dedicated support for transaction completion.
Factoring
Our invoice factoring service converts unpaid receivables into immediate working capital, improving cash flow for B2B companies. Businesses sell outstanding invoices at a discount to receive lump sums within 24 hours, with our team managing collections from end customers. This non-traditional financing option works for companies with creditworthy clients, eliminating wait times for payment while maintaining operational continuity.
Buy & Sell Equipment
Through EquipmentPatrol Marketplace, we connect buyers and sellers of new and used commercial equipment nationwide. This platform facilitates transactions for construction, agricultural, industrial, and transportation assets with integrated financing options. Dealers and private sellers list equipment while buyers access pre-approval financing directly through the marketplace, streamlining the acquisition process for all equipment types.
Questions
What financing options are available for equipment purchases?
We offer financing for new and used equipment with terms from 6-18 months, including seasonal payment plans and 100% cost coverage options.
Can startups qualify for business loans?
Yes, we work with newer businesses providing they meet minimum revenue requirements of $15,000 monthly sales and have 6+ months operating history.
How quickly can I get approved for financing?
Applications typically receive decisions within 24-48 hours with funds available shortly after completing documentation.
Do you finance specialized industry equipment?
Yes, our team structures financing for niche and specialized assets across construction, agriculture, manufacturing, and transportation sectors.
Can I modify my lease payments during financial hardship?
Contact us immediately if facing payment difficulties—we may adjust due dates or defer payments temporarily to accommodate your situation.
How does equipment leasing affect credit?
Lease payments report to credit agencies, helping build business credit history while maintaining borrowing capacity for other needs.
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