Ace Equipment Funding
Works With Credit-Challenged Homeowners
Built for Canadians with credit challenges
Fully open loans—repay early, penalty-free
You own the equipment outright
Respectful process without judgment
Heating & Cooling Systems
Transparent terms. No hidden tricks.
Most Others
Reject applicants with less-than-perfect credit
Promote high-cost rental agreements
Trap customers into long, expensive lease
Prioritize paperwork over people
Have Questions? Get in Touch
Phone: 1-800-2-GET-ACE
Email: support@acefunding.ca
Flexible Funding That Works For You
Why Choose ACE?
We Specialize in Helping Homeowners Rebuild Their Credit
If your credit history includes setbacks, missed payments, or financial hardship, you’re not alone—and you're exactly who we’re here to help. ACE works with Canadians who’ve been declined elsewhere to fund vital home improvement projects with dignity and respect.
Up To $35,000
for essential home upgrades
12-year Terms
fully open, repay anytime
Same Day Approvals
no waiting, no hassle
Friendly, Confidential Support
no judgment
You Own It
no rental contracts or gotchas
What Can You Finance?
Furnaces &
HVAC systems
Central air
conditioners
Hot water tanks and water heaters
Water filtration or softener systems
Air purification
systems
Smart thermostats, generators, solar panels, energy star windows, and automation devices
Hear from our happy clients
“After getting rejected by two banks, I had basically given up on replacing our old furnace. ACE not only approved me, they made the process painless. Our home is finally warm, and I’m making affordable monthly payments I can actually manage.”
Sarah M., Hamilton, ON
“No games, no long wait times, ACE said yes when everyone else said no. I was honestly in tears when the approval came through. My kids finally have reliable air conditioning in the summer.
Rachael F., London, ON
“I’m self-employed with credit issues, and every other company treated me like I didn’t deserve a loan. ACE didn’t judge, they just helped. I got my new water heater installed the same week and I finally feel back in control.”
Devon J., Mississauga, ON
“What I loved most is that ACE didn’t make me feel embarrassed about my credit score. They looked at me as a homeowner trying to make things better. And now I’ve started rebuilding my credit, too.”
Samir A., Windsor, ON
“We needed a new heat pump, but the bank wouldn't touch us because of some past missed payments. ACE came through, and now we’re more energy efficient and actually saving money every month.”
Natalie & Chris T., Barrie, ON