Blog
Financial Management for Startups
Practical Tips for Sustainable Growth Financial management is a key factor in a startup’s success. A well-structured financial plan not…27 October 2025
Starting a Business
A Simplified Journey with APARE Services Many people dream of launching their own business but hesitate due to the complexity…29 September 2025
Lease or loan for your equipment?
Tax and accounting implications The decision to buy or lease equipment depends on several strategic factors. For a growing company,…25 August 2025
How Is Your Cash Flow?
Optimize Your Capital for Equipment Financing Cash flow management plays a crucial role in decision-making when financing equipment. Should you…28 July 2025
The Adventures of Marc the Entrepreneur
When a Cash Flow Problem Puts Everything at Risk Financial management is often the biggest challenge for entrepreneurs. Marc, the…26 May 2025
The Working Capital Dilemma: How to Optimize Your Cash Flow with Factoring and Leasing
Managing working capital is a major challenge for many businesses. Providing services or delivering products does not always mean getting…28 April 2025
The Joys and Perils of Entrepreneurship
Navigating Success and Financial Setbacks Entrepreneurship is an adventure filled with challenges, unexpected events, and moments when everything seems to…28 March 2025
The economy and Business Financing
How the Economic Situation Influences Corporate Financing Decisions Companies with substantial cash reserves may choose to purchase their equipment without…24 February 2025
The Adventures of Sophie the Entrepreneur
When an Unexpected Event Becomes a Funding Opportunity Being an entrepreneur means juggling vision, strategy, and unforeseen events. But on…24 February 2025
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Client Testimonials
Excellent service and knowledge of contractors' challenges. We're on our 14th financing deal with them, and every time, the job is well done. We understand the importance of surrounding ourselves with the best.
Daniel B.
Machine transportation operator
I entrust my business financing needs to Aline Paré of APARE Services because she's flexible, understands my needs very well and stores around for the best conditions on the market. She knows how to make life easy for us, because when we think about equipment financing, Aline adjusts and makes life easy for us by gathering information while I'm on the job sites. You have to surround yourself with the best. Léa Marchand is a gem.
Keven R.
Industrial Equipment Operator
APARE Services allowed me to invest in my business without compromising my cash flow. An essential service. I’ve been sleeping better ever since.
S. Roy
Construction
APARE Services has enabled us to implement a strategy of rapid and steady growth. Their mastery of the intricacies of the business world is an undeniable asset to our company. Aline Paré and her team: people with heart! I entrust APARE Services with my financing needs because they are flexible, strategic, understand our challenges and needs, and store around for the best terms on the market. They know how to make life easy for us, because when we think about equipment financing and the viability of our projects, we need to surround ourselves with the right resources. They adjust to our industry and make life easy for us by gathering information while we're on site. The processes are easy and everything is clear. No surprises. When we sign a contract, the team takes the time to explain the details. We even get our depreciation schedules. Stick with them.
Tony P.
Montreal Snow removal and bulk transport operator
I felt heard and respected. The financing offered was clear, with no surprises, and perfectly aligned with my needs. Their team guided me every step of the way with professionalism and humanity. I highly recommend them to all self-employed workers who want to invest without stress.
S. Cabana
Self-employed in the transport industry
The APARE Services team reestablished dialogue with a partner we had broken ties with. Their ability to combine firmness and humanity saved the relationship.
K. Dupré
Accounting Technician
APARE Services is a reliable reference in financing brokerage services. We haven't always dealt with them in our 35 years in business, but for the past 5 years, we've entrusted them with our financing needs because they know what they're doing and are completely customer-oriented. We recommend their outstanding, fast and proactive service. This is the 11th time we've entrusted them with our financing solutions. Thank you to the APARE Services team. In business, you stick with the winners. Bravo to this team of professionals in the wonderful world of financing.
B. Martel
Excavation/construction/snow removal
Our new CNC lathe was financed without hassle. APARE Services allowed us to modernize our shop without slowing down production. They understand the challenges manufacturers face. The financing was structured to maximize our return on investment.
V. Côté
CNC / Industrial Equipment
The financing for my industrial snowblower was approved within 24 hours. Just in time for the first snowstorm! They truly understand the urgencies of the industry. The service is fast, human, and efficient.”
P. Vachon
Snow Removal
Our meetings with Aline are never monotonous. She manages to make serious discussions enjoyable, with a touch of humor that lightens everything. Long live simplicity. You can feel the passion within her team.
M. Richer
Medical Clinic
Geneviève and Aline took the time to simplify every step of the financing process. What seemed complex became crystal clear, and I truly felt they were by my side.
E. Doré
Landscaping and Excavation
We wanted to take a moment to write this message, with hearts full of gratitude. Thanks to you your connections, your advice, your support, and your generosity, dreams are becoming reality! This is not the first time you’ve helped us bring a project to life, and once again, you opened the right doors with your attentiveness, availability, and efficiency. You have this incredible gift of always finding solutions, guiding us to the right people, and moving things forward. We feel so fortunate to have you in our circle. So, simply but from the bottom of our hearts: Thank you Aline.
C. Houle & Y. Lalonde
Transport and Excavation
Thanks to APARE Services, we were able to finance our new crane without tying up our capital. A real boost for our worksites. Their team understands the challenges of the industry. The financing was fast, clear, and perfectly suited to our pace of work.
A. Turcotte
Construction
Sharing real, positive experiences with the APARE Services team dispelled any doubts and apprehensions we had about financing our equipment. Part of our success depends on the strategies and advice we received. We received answers to all our questions, on the spot, and extraordinary service. This is our 19th experience financing our excavators, trucks, loaders and trailers with them. In business, you need to surround yourself with the best, and they're among the best. It makes a difference to work with people who know what they're doing. An experience that lives up to our expectations and then some.
D. Miller
Excavation/Grading/Snow Removal/Bulk
Aline Paré and her team remain an undeniable ally for our company. Aline has an entrepreneurial streak, knows the challenges we face on a daily basis, and distinguishes herself admirably through her exceptional service. Our years of partnership with her have shown us that we have “the best” person to fit our industry. She's a great MADAME, a woman with a heart who says “the real thing”. She is trustworthy.
Diane L.
Operating in the transportation field
Thanks to the support of the APARE Services team, we were able to prepare our company’s succession with peace of mind. They anticipated the challenges and proposed concrete solutions.
M. Demers
Excavation, Earthwork, Grading, Snow Removal
I was able to buy a new commercial mower and a snowblower thanks to their financing, and I even added a brand-new pickup. My business has grown. They offered me a solution that fit my budget and deadlines. A true partner for small businesses.”
B. Légaré
Landscaping
I sent my documents in the morning, and by the next day I had my approval. Such impressive speed! The service is personalized, human, and highly professional. You can feel they truly care about their clients’ success. APARE Services has been an essential lever for our expansion. Their responsiveness and expertise make all the difference.
C. Lévesque
Excavation & Snow Removal, in business for 31 years
I've been lucky enough to work with APARE Services for the past 7 years''. APARE Services has been a valuable business partner for our four (4) companies for the past 7 years. The values they promote within our companies are perfectly aligned with the values of our construction company: service excellence, speed, thoroughness and customer proximity. '' We do business with Aline Paré when she ran the financing department at Maska and when she left her job in 2018, we tracked her down through her Facebook. We've continued to do business together and have benefited from it. She has ''drive'' and knows the challenges of being an entrepreneur.
S. Saint-Laurent
Construction/Snow removal/Civil engineering work
APARE Services understood our challenges and offered us a flexible solution. Their support allowed us to invest without compromising our cash flow.
N. Ouellet
Transport
We needed a new excavator for an urgent contract. APARE Services unlocked the financing within 48 hours. Impressive! Their approach is simple and efficient. You can tell they understand the field, not just the numbers.
Antonio D
Excavation
The financing offered was clear, jargon-free, and perfectly suited to my reality as an entrepreneur.
P. Bédard
Transport
As a self-employed worker, the banks were closing their doors on me. APARE Services offered me a solution tailored to my reality. I was able to purchase my equipment and grow my business.
G. Dion
Transport
They don’t just sell financing. They offer concrete solutions to move our projects forward. Advice like that is truly valuable. It’s real support. Our accountant was right to refer us to them.
F. Martin
Construction
We were short of cash and APARE Services helped us to obtain factoring. We were carrying too many receivables on our books, up to 120 days. We're glad we dealt with them, because they took the time to explain factoring to us. We can now meet all our commitments to our suppliers and even get rebates from them. It's easy when you get paid quickly instead of having to deal with receivables. As Aline says, a customer's best quality is to pay on time. The APARE Services team was able to make us feel secure. Our bank didn't offer us this service. Our line of credit was inadequate. Our account manager changed frequently. We have just entrusted APARE Services with the mandate of finding the best financing conditions for 4 new trailers to be financed and a 12-wheel truck that we will take possession of early next spring. We have confidence in APARE Services.
Charles D.
Forestry operator
We needed new equipment to meet growing demand. Thanks to APARE Services, we got fast and tailored financing. A true growth partner!” The process was simple, transparent, and quick. In less than 48 hours, our project was on track. Thanks to the whole team for your efficiency!
L. Beauregard
Machine Shop
APARE Services helped us finance a new tractor just before the season. Their responsiveness was crucial. Their team understands agricultural cycles. The financing was aligned with our seasonal needs, which is rare.
Jean D.
Farm in the Agri-food Sector
My business relationship with Aline Paré via APARE Services spans more than 20 years, and Aline is very committed despite the distance. While we're on the job site, she takes care of the financial strategy. We feel well supported, rain or shine. The company has boosted the efficiency of its members, and we're the ones with our hands on the wheel. She's always there for us. I've rarely seen someone so hard-working, on the ball and pleasant at the same time. When she explains things to us, it's clear and true to the contract and our commitments.
Charles P.
Excavation Operator
A team that listens, quick turnaround times, and favourable conditions. What more could you ask for? We’re now at our 9th piece of equipment financed through them. They shop around for the best financing on our behalf. Believe me, it’s a win-win: while my wife and I keep our business running, they handle the financing. Everyone sticks to their expertise.
M. Lemire
Bulk Transport
We developed a merchant program with APARE Services 3 years ago. We entrust them with our sales and they manage our customers. Customer feedback has been positive. They help us close sales while we sell equipment. We get a guarantee on all closed deals, and it's easy. A ''win win situation''!
Guillaume B.
Sales Director of a new and used equipment dealer
A careful review of our contracts saved us from a costly mistake. APARE Services combines rigor and pedagogy, which is rare in this field.
A. Turcotte
Construction
When it comes to heavy equipment financing, we sometimes buy both new and used equipment. A friend referred us to Aline Paré of APARE Services. WOW, we wish we'd known her and her team 15 years ago, we'd have saved money and been in the car longer, but we can't recommend her enough. You can tell she loves people and has a passion for the customer.
Pascal L.
Landscaping operator
I recommended APARE Services to several colleagues. They were all delighted with the service. Experienced people really make a difference for us.
J. Bouchard
Snow Removal
Their support is exceptional. You feel supported every step of the way.
M. Bélanger
Snow Removal
We entrust our private sales (accommodation sales) to APARE Services. Their costs are very reasonable and the work is well done. Files are generally processed within 48 hours, and all customer comments are positive.
Yves R.
General Manager of a used agricultural equipment dealership
We wanted to find a reliable financing brokerage firm that would store for us with regard to our financing needs for equipment purchases and business projects. APARE Services is our business partner. Over the years, APARE Services has proven to be an important business partner for our commercial activities, now and in the future. They're good people, good listeners, very professional, and the customer experience lives up to our expectations. The importance of not putting all your eggs in one basket is synonymous with our success as entrepreneurs. Long live APARE Services.
Germain C.
Heavy equipment sales operator
I was able to finance my second truck without going through the banks. APARE Services offered me a flexible and fast solution. They took the time to understand my business model. The result: customized financing with no headaches.
A. Lemire
Transport
I was particularly impressed by the speed with which they solved my case. I had already made two calls before to find financing, but it was only APARE Services that answered all my questions correctly and without hesitation, so that I could pay a $50,000 repair bill to put a new engine on my truck. I had to keep moving, because I couldn't afford to take any money out without security. In 48 hours, everything was settled. Well done!
Jean D.
Excavation and bulk transport operator
Working with Aline means feeling recognized and supported. She preserved our energy and restored confidence across our entire team. Long live APARE Services!
B. Lévesque
Transport
We have no hesitation in recommending APARE Services and its team for assistance with equipment financing solutions. For the past 12 years, Aline has been taking care of us and shopping around for financing solutions. We've acquired over 20 pieces of equipment over the years, and she and her team have been responsible for finding the right strategy. We also entrusted the financing of our commercial building to Aline. It was an ambitious $3.6 million project. Impeccable service and a truly committed partner.
Éric S.
Road maintenance operator
We've been entrusting our farm equipment financing to APARE Services for 7 years, and the service is great. This is our 8th piece of equipment financed through their service.
Gilles N.
Farm owner/Arable farming









