TruCapital arranges commercial equipment financing across Canada. We review your file first, then approach the lender whose programme actually fits it — so your application goes where it has a real chance, not everywhere at once.
We don't lend our own money — which is precisely why we can be on your side of the table.
A bank underwrites to its own rulebook. If your file sits outside it, the answer is no, and you start again somewhere else. We work the other way round: we read your file first, tell you honestly where it fits, and approach that lender.
That's the part worth understanding. Knowing the lenders means knowing which one to approach — not sending your application to all of them and hoping one says yes. Your file goes where it has a real chance, and you always know where it's gone.
This matters most in the cases banks handle worst — a first truck, a private-sale purchase, bruised credit, an operator whose revenue arrives in progress draws rather than tidy monthly deposits. Those aren't edge cases in this industry. They're most of it.
TruCapital Finance & Leasing Ltd. – Trust is the foundation of everything we do. From the first consultation to the final signature, our clients know they can rely on us for honest, transparent, and timely financing solutions.
Reliability drives our approach. Whether you're financing a single truck or an entire fleet, our team delivers consistent support and tailored strategies that reflect the needs of your business.
Unmatched in our commitment, we go beyond traditional lenders by offering flexible, fast, and client-first equipment financing. At TruCapital, we don't just fund deals — we build lasting partnerships that help your business grow.
The person who takes your first call runs your file through to funding. No call centre, no re-explaining your business to a third department — and no application leaves our desk without your say-so.
A short conversation about the equipment, your business and your timeline. No credit pull to start, no obligation, and nothing goes to a lender until you say so.
No credit pullWe package the file the way underwriters read it — Articles of Incorporation, bank statements, the invoice or bill of sale, proof of insurance. This is the step that decides how fast the rest goes.
Complete on first passWe approach the lender whose programme fits your file — chosen, not scattered. If a second is needed we tell you first, so you always know where your application has gone.
Chosen, not scatteredYou see the options side by side, choose the structure that fits your cash flow, and we handle the documents through to funding.
Typical: 24–48h**Many approvals land within 24–48 hours; some take longer depending on the lender, the complexity of the application, and any additional documents required. All financing is subject to credit approval.
Owner-operators buying their first tractor, established carriers adding capacity, contractors financing iron for the next job, and dealers who want financing available at the point of sale.
