Important limits on our tools and information.

General Disclaimer

IronFinance is not a lender. IronFinance is a lead-matching and equipment financing support service that connects Canadian contractors and equipment buyers with third-party financing partners. IronFinance does not make final financing decisions, set interest rates, or approve applications.

Calculator and Payment Tools

The loan calculator, payment explorer, and related tools provide estimates based on user inputs and standard amortization formulas.

• They are for informational purposes only.
• They do not constitute a financing offer or guarantee.
• They may not reflect actual rates, terms, taxes, insurance, delivery, or lender fees.
• Default rates shown on the site may not reflect your actual rate.

Actual financing terms vary based on creditworthiness, lender policy, equipment condition, seller structure, and underwriting review.

Pre-Qualification Estimator

Any pre-qualification estimator on the site provides an indicative assessment based on a simplified scoring model. A positive result does not guarantee approval, and a manual-review result does not mean you will be declined.

All applications are subject to full lender review.

Financeability Risk Analyzer

The financeability analyzer evaluates factors such as equipment age and hours against general industry guidelines. Different lenders have different policies. Equipment rated as higher risk or limited availability may still be financeable through specialized lenders.

Equipment Valuation Tool

Equipment valuations are rough estimates based on depreciation assumptions, brand factors, regional adjustments, and user-provided details. They are not certified appraisals.

Actual market value depends on specific condition, maintenance history, attachments, repairs, machine configuration, location, and current demand. For accurate valuations, consult a certified equipment appraiser.

Guide Content

Articles and guides are written for general informational purposes. They do not constitute financial, legal, tax, or professional advice. Equipment financing regulations, lender policies, and market conditions can change. Always consult with a qualified professional before making financing decisions.

Equipment Listings

Equipment listings displayed on IronFinance may be sourced from third-party providers. IronFinance does not own, inspect, or guarantee the accuracy of any listing. Prices, availability, equipment details, hours, location, and condition are subject to change without notice.

No Guarantee of Results

IronFinance works to connect users with suitable financing partners, but cannot guarantee that you will receive financing, that terms will match estimates shown on the site, or that the process will meet any specific timeline.