Q1 LENDING CHANGES & HOW WE'RE PROTECTING YOUR FINANCING

As we close out Q1 of 2026, I want to personally thank you for continuing to trust DEROTTO with your equipment financing. Your business and referrals are what drive us, and we don’t take that lightly.

Important: New Lending Regulations Effective April 1, 2026

Due to a significant increase in fraud across the equipment financing industry, new compliance regulations are being introduced nationwide starting April 1. These changes are designed to protect you, your business, and the integrity of the lending process.

For more details on FINTRAC and these regulations, visit:https://www.fintrac-canafe.gc.ca

While added steps are never ideal, the reality is this:fraud is becoming more sophisticated, and lenders are tightening fast.

The good news? DEROTTO is already ahead of these changes and ready to guide you through them seamlessly.

What This Means for You

To ensure your deals continue to move quickly and get approved without delays, here’s what’s changing:

1. ID Verification is Getting StrongerA simple photo of a driver’s license or passport will no longer be accepted.✔ You’ll now complete a quick, secure digital ID verification through an approved app✔ This protects against identity fraud and keeps approvals clean and fast

Learn more about Verifast here:https://verifast.com

2. Corporate Transparency is Increasing (UBO Requirement)Providing a corporate registry alone is no longer sufficient.✔ Key shareholders/directors must now complete a secure Ultimate Beneficial Owner (UBO) form✔ This ensures full transparency for lenders and reduces risk flags that can slow approvals

Get more details on RegHub here:https://reghub.ca

What This Means Strategically

Clients who adapt quickly to these changes will have a major advantage:

• Faster approvals (while others get delayed)

• Stronger lender confidence

• Better access to top-tier rates and terms

At DEROTTO, we’re proactively building these steps into our process so your experience stays smooth, fast, and frustration-free.

Recent Financing Wins

Here’s a snapshot of what we’ve recently helped clients accomplish:

• $235,000 — 2026 International RH613 (bank rates)

• $65,000 — Peak Generation Nitrogen Generator (bank rates)

• $90,000 — Sale leaseback on Lexion 590R combine (single-digit rates)

• $115,000 — 2025 UHI UTL625 telehandler (bank rates)

Whether it’s heavy equipment, agriculture, construction, or specialized assets—we’re getting deals done.

Why Clients Are Choosing DEROTTO

In a tightening lending environment, who you work with matters more than ever.

We’ve built:

• A deep network of banks, credit unions, and private lenders

• The ability to finance new or used equipment

• Solutions for strong credit, and everything in between

Most importantly, we help you navigate complexity so you can stay focused on your business.

Let’s Stay Ahead

If you have upcoming financing plans, or just want to understand how these changes impact you, reach out anytime. A quick conversation now can save days (or weeks) on your next approval.

Thank you again for your continued trust, we’re looking forward to helping you grow in 2026.

Warm regards,The DEROTTO Team