Flexible Financing Solutions for Technology, Automation & Capital Equipment
Investing in new equipment, automation, software, and technology can improve productivity, increase efficiency, and create opportunities for growth. However, the upfront capital cost of a major purchase can sometimes delay projects that could otherwise begin delivering value immediately.
IBC offers flexible equipment financing and leasing solutions to help businesses acquire the technology and capital equipment they need without necessarily paying the entire cost upfront.
Financing may be available for qualifying purchases ranging from approximately $5,000 to $5 million, allowing organizations of different sizes to explore payment structures that fit their operational and financial requirements.
Whether you are purchasing a single piece of equipment or implementing a larger automation project, IBC can help explore financing and leasing options designed around your business.
Invest in the Equipment You Need Today
Waiting to purchase new equipment can sometimes mean continuing to operate with slower, more labour-intensive, or less efficient processes.
Financing can help businesses acquire equipment now and spread the cost over an agreed payment term.
This can allow your organization to begin realizing the potential benefits of new technology while managing the investment through predictable payments.
Potential equipment and technology investments may include:
- Automation equipment
- Labeling systems
- Label printer applicators
- Industrial printers
- RFID systems
- Barcode scanning technology
- Mobile computers
- Vision systems
- Packaging equipment
- Production equipment
- Warehouse technology
- Custom-built machinery
- Software and technology solutions
IBC can help structure a solution around both the equipment and the financial requirements of your project.
Financing from $5,000 to $5 Million
Not every capital equipment project is the same.
A business may need financing for a relatively small technology purchase, while another organization may be planning a multi-million-dollar automation project.
IBC can help facilitate financing and leasing options for qualifying purchases ranging from approximately:
$5,000 to $5,000,000
This flexibility can make financing an option for projects ranging from individual pieces of equipment to larger technology and automation initiatives.
Financing availability, rates, terms, and structures are subject to approval and may vary based on the customer, project, equipment, and financing provider.
Flexible Payment Structures
Business operations are not always consistent throughout the year.
Many industries experience significant seasonal changes in sales, production, inventory, and cash flow. A payment structure that works well during a company’s busiest months may not be ideal during slower periods.
IBC can help explore financing arrangements that better align with your business operations.
Depending on the financing arrangement, options may include flexible payment structures designed around:
- Peak seasons
- Slow seasons
- Seasonal production cycles
- Cash flow requirements
- Business growth expectations
This can help create a financing structure that reflects how your organization actually operates.
Seasonal & Variable Payment Options
For seasonal businesses, payment schedules may be structured to help align payments with periods of stronger revenue or activity.
For example, some businesses may prefer:
Higher Payments During Peak Season
When production and revenue are at their highest, a business may be better positioned to make larger payments.
Lower Payments During Slow Season
During quieter periods, a lower payment structure may help support cash flow.
This approach can be particularly valuable for industries with significant seasonal fluctuations, including:
- Agriculture
- Food production
- Beverage production
- Forestry
- Tourism and hospitality
- Retail
- Construction
- Seasonal manufacturing
Rather than forcing every project into a standard monthly payment structure, IBC can help explore options that better reflect the customer’s operational requirements.
Lower Payments at the Beginning of Your Term
New automation and technology investments often take time to generate their full operational value.
A company may need time to install equipment, train employees, optimize workflows, and begin realizing the efficiency improvements associated with its investment.
For qualifying projects, variable payment structures may allow for lower payments at the beginning of the financing term, with payments increasing later in the agreement.
This can help organizations:
- Acquire equipment sooner
- Preserve capital during implementation
- Allow time for new processes to become established
- Begin realizing productivity improvements
- Align payments more closely with the value generated by the equipment
Invest → Implement → Improve Efficiency → Increase Operational Value
Instead of waiting until enough capital is available to purchase equipment outright, financing may allow a business to begin benefiting from improved automation and efficiency sooner.
Finance the Solution, Not Just the Equipment
A technology solution often involves more than a single machine.
A complete implementation may include equipment, software, labels, ribbons, maintenance, support, and other ongoing requirements.
IBC can help businesses explore a more comprehensive approach through SOLAAS — Solutions as a Service.
With a SOLAAS arrangement, qualifying customers may be able to bundle components of their technology solution into a predictable monthly payment.
Depending on the specific solution, this may include:
<table style=”width:100%; border-collapse:collapse; table-layout:fixed;”> <tbody> <tr> <td style=”width:50%; padding:6px 20px 6px 0; vertical-align:top;”>• Equipment</td> <td style=”width:50%; padding:6px 0 6px 20px; vertical-align:top;”>• Software</td> </tr> <tr> <td style=”padding:6px 20px 6px 0; vertical-align:top;”>• Labels and consumables</td> <td style=”padding:6px 0 6px 20px; vertical-align:top;”>• Service and maintenance</td> </tr> <tr> <td style=”padding:6px 20px 6px 0; vertical-align:top;”>• Technical support</td> <td style=”padding:6px 0 6px 20px; vertical-align:top;”>• Implementation services</td> </tr> </tbody> </table>
Rather than managing multiple vendors and unpredictable expenses, SOLAAS can bring the components of a solution together into a more predictable monthly cost.
SOLAAS: Solutions as a Service
One Solution. One Monthly Price.
Technology costs can sometimes be difficult to predict.
Equipment may require servicing. Consumables need to be reordered. Software may involve recurring costs. Unexpected repairs or operational changes can create additional expenses.
A SOLAAS solution is designed to provide a more complete and predictable approach.
Your Monthly Solution May Include:
Equipment
The hardware required for your operation.
Software
The applications and technology needed to manage your process.
Consumables
Labels, tags, ribbons, ink, and other regularly required materials.
Service
Maintenance and technical services based on the specific agreement.
Support
Access to technical expertise when you need assistance.
One predictable monthly investment can help reduce uncertainty around technology costs.
A Better Alternative to Delaying Automation
Businesses sometimes postpone automation projects because the upfront capital investment appears too large.
However, delaying an equipment purchase can also have costs.
Manual processes may continue to require additional labour. Production may remain slower than necessary. Errors and inefficiencies can continue. Opportunities for improved data collection and automation may be delayed.
Financing can provide an alternative approach.
Without New Equipment
Continue Existing Processes → Continue Inefficiencies → Wait for Capital
With a Financing Solution
Acquire Equipment → Implement Automation → Improve Efficiency → Make Structured Payments
Every project is different, and financing should be evaluated based on the organization’s individual financial and operational requirements. However, the ability to spread an investment over time may allow some businesses to move forward with projects sooner.
Equipment Financing for Automation Projects
IBC can help facilitate financing for a wide variety of automation and technology projects.
Applications may include:
- Automated labeling
- Print-and-apply systems
- Packaging automation
- Production automation
- Warehouse automation
- RFID systems
- Vision inspection
- Inventory management technology
- Traceability systems
- Industrial printing systems
- Data collection solutions
For larger projects, IBC can help develop a complete solution that considers both the technology requirements and the potential financing structure.
Financing That Can Grow with Your Business
IBC understands that businesses do not always want—or need—to implement an entire solution at once.
A project may begin with one piece of equipment and expand as operational requirements change.
For example:
Phase 1 → Initial Equipment
Phase 2 → Additional Automation
Phase 3 → Software Integration
Phase 4 → Expanded Data Collection
Phase 5 → Enterprise-Wide Solution
IBC can help customers develop technology solutions that can grow over time while exploring financing options appropriate for each stage.
Why Finance Through IBC?
Access to Technology Sooner
Avoid unnecessarily delaying equipment investments while waiting to accumulate the full purchase price.
Preserve Working Capital
Financing may allow businesses to retain capital for other operational priorities.
Flexible Payment Options
Explore payment structures that align with seasonal operations, cash flow, and business requirements.
Solutions from $5,000 to $5 Million
Financing may be available for qualifying projects ranging from smaller technology purchases to major capital equipment investments.
Lower Initial Payments
Variable payment structures may allow payments to begin lower and increase as the equipment becomes more established within your operation.
Complete Solutions Available
Potentially combine equipment, software, consumables, service, and support through a SOLAAS solution.
One Technology Partner
IBC can help you develop the technology solution and explore financing options as part of the overall project.
Is Equipment Financing Right for Your Business?
Equipment financing may be worth considering if you are:
- Planning an automation project
- Looking to preserve working capital
- Replacing aging equipment
- Expanding production
- Improving warehouse operations
- Implementing new labeling technology
- Investing in traceability
- Looking for predictable monthly technology costs
- Operating a seasonal business
- Interested in bundling equipment and ongoing services
IBC can help you explore potential options based on your specific project.
Let’s Discuss Your Project
Every business has different equipment requirements, operational challenges, and financial considerations.
IBC can help you evaluate your technology requirements and explore equipment financing, leasing, and SOLAAS options that may be appropriate for your project.
Whether you are considering a $5,000 technology purchase or a $5 million automation project, our team can help you explore a solution designed around your requirements.
Ready to Invest in New Equipment Without Paying Everything Upfront?
Financing and leasing options are subject to credit approval, equipment eligibility, financing partner requirements, and applicable terms and conditions.