Make the math work.
Equipment financing through Skeer-approved partners. Apply where you operate.
Two regions. Two partners.
We don't lend. We work with two established equipment lenders : Direct Capital in the US, Fincap in Canada. Apply with the one that knows your market.
Direct Capital
Equipment financing for U.S. contractors. 80,000+ funded since 1993. A division of First Citizens Bank.
Monthly or seasonal payments matched to your job pipeline.
Fixed rates set at approval, based on credit history.
U.S. businesses funded by the partner's equipment program.
Your Skeer
Confirm which Skeer fits your machine. Book a walkthrough if you're unsure.
Online form
Open Direct Capital's form. A few minutes of business info. No upfront fees.
Sign and ship
Decision back. Sign, and your Skeer ships on the agreed schedule.
Fincap Financial Group
Equipment financing for Canadian contractors. Fast decisions across all provinces. HQ in Gatineau, Quebec.
First contact in 20 min to 12 hrs of applying.
Terms set by the lender, based on your business profile.
All provinces. FR and EN service from Quebec HQ.
Your Skeer
Confirm which Skeer fits your machine. We can walk you through it on a call first.
Online form
Open Fincap's online form, fill out business details. No upfront fees.
24 to 48 hrs
Fincap calls within 20 min to 12 hrs. Decision in 24 to 48 hrs. Then we coordinate delivery.
Financing Questions
What buyers ask first.
Straight answers. Not listed? Call us.
Is Skeer the lender?
No. Skeer is not a financial institution. The lender is Direct Capital in the United States and Fincap Financial Group in Canada.
All terms, rates, and approvals are set by the partner. Applying doesn't commit you to a purchase.
Do I have to finance through one of your partners?
No. Pay cash, use your bank, or pick any lender. These two know our equipment, so most customers see faster decisions with them.
How long does approval take?
Varies by lender and your profile. Fincap : first contact in 20 min to 12 hrs, decision in 24 to 48 hrs. Direct Capital : generally same-week.
Bigger orders and longer business history move faster.
What credit score or business history do I need?
Each partner sets their criteria. Direct Capital publishes 550+ as a starting reference. Real approval depends on time in business, revenue, equipment value, and term length.
The fastest way to find out where you stand : apply. No fee, non-binding.
Can I finance more than one Skeer at a time?
Yes. Fleet purchases are standard. Both partners handle multi-unit applications. If you're scaling, tell the lender the full order up front so they can structure the right term.
Is leasing an option, or only purchase financing?
Both partners offer equipment leasing and outright financing. The trade-offs (tax treatment, end-of-term ownership, monthly payment) depend on how you run your books. Ask the lender for both quotes if you're not sure.
Does applying affect my credit?
Both partners pull a credit report on application : that's a hard inquiry and may have a small temporary effect on your score. The application has no fee and doesn't commit you to a loan. Ask the partner about their exact process before submitting if you want details.