Truck, trailer and equipment financing for GTA owner-operators, fleets and contractors — with local advisors and decisions in as little as 48 hours.
Toronto is the busiest freight market in Canada. Between the Highway 401, the 407, and the Pearson air-cargo hub, GTA carriers move under tight windows and heavy competition — and equipment gets bought fast. TruCapital helps Toronto businesses secure trucks, trailers and equipment without the delays of a traditional bank.
Whether you're an owner-operator buying your first sleeper cab, a Scarborough carrier adding reefer trailers, or a contractor financing an excavator for a downtown build, we match you to lenders who understand GTA operators and approve on how you actually earn.
Our Toronto advisors regularly fund highway trucks and day cabs for cross-border lanes, dump trucks for the region's construction boom, dry-van and reefer trailers for food and retail distribution, and forklifts and material-handling equipment for the warehouse belt stretching from Etobicoke into Peel. New or used, dealer or private sale — we structure it.
Send the unit details and your business info — online or by phone with a local advisor.
We prepare your file with Ontario CVOR and incorporation requirements in mind for a fast approval.
Funds are released to your dealer or private seller, and you get on the road.
For most Toronto approvals we ask for your Articles of Incorporation, recent business bank statements, and details on the unit you're financing. Newer or credit-challenged carriers may provide a down payment or additional detail — we'll tell you exactly what your file needs up front, with no surprises.
Yes. We finance GTA owner-operators, including first-truck buyers and credit-challenged carriers, with programs built around Ontario CVOR and incorporation requirements.
Most Toronto applications receive a decision within 48 hours once documents — including Articles of Incorporation — are ready.
Yes. We structure private-sale financing directly with the seller across the Greater Toronto Area, which is common for used trucks bought between operators.
Get a fast, local decision from advisors who know the Toronto market.