Truck & Trailer Financing
Financing for owner-operators and fleets across Canada. Semi trucks, transport trailers, dump trucks, vocational vehicles—we connect you with lenders who understand trucking.
We work with lenders who specialize in trucking. They understand seasonal cash flow, per-mile economics, and the realities of the transport industry.
Access multiple lenders through one application. We shop your deal to find the best combination of rate, term, and payment structure.
New to trucking? Rebuilding credit? We have lender relationships across the spectrum—from prime to second-chance financing.
From day cabs to sleepers, dry vans to flatbeds—financing for the equipment that keeps Canada moving.
From application to approval—here's how we get you on the road.
Complete our short application. Tell us about your business, the equipment you need, and your timeline.
We review your profile and match you with lenders suited to your situation—whether prime credit or challenged.
Receive financing options within 24-48 hours. Compare rates, terms, and payment structures.
Accept your terms, complete documentation, and take delivery of your equipment.
Common questions from owner-operators and fleet managers.
Credit requirements vary by lender:
Strong business revenue and industry experience can offset lower credit scores. New owner-operators may qualify with strong personal credit and relevant driving experience.
Yes. Both new and used equipment can be financed. For used trucks and trailers:
Used equipment is a smart choice for many owner-operators—lower acquisition cost with proven reliability.
Down payment requirements depend on your credit profile and the equipment:
A larger down payment can improve your approval odds and reduce monthly payments.
Typical documentation requirements:
For newer businesses or challenged credit, additional documentation may be requested.
Yes, though requirements are typically stricter. New owner-operators often need:
Some lenders specialize in first-time owner-operators. We can match you with the right options.
No. Canada Equipment Finance is a finance broker, not a lender. We don't provide financing directly or make credit decisions.
Our role is to connect you with appropriate lenders from our network of Canadian equipment and transportation finance companies. This broker model benefits you because we can access multiple lenders and find options that fit your specific situation.
Check your options in minutes. No commitment, no obligation.
