Semi-trucks, trailers and commercial equipment — financed fast. From the potato fields and seafood wharves to the Confederation Bridge and the lanes onward across the Maritimes, TruCapital funds the highway tractors, reefers, dry vans and heavy equipment that keep PEI moving, with local advisors and decisions in as little as 48 hours. Subject to approval.
Commercial trucks and trailers are the core of what we do. TruCapital finances highway tractors, day cabs and vocational trucks alongside the full range of trailers — reefers, dry vans, flat decks, step decks and produce units — plus the commercial equipment that keeps PEI's operators earning. When a unit is sitting on a lot and a potato or seafood shipment is waiting, financing that drags for weeks costs real money, so we build files to move.
Whether you're financing your first semi out of Charlottetown, adding reefers for potato and seafood runs across the Confederation Bridge, or picking up farm equipment near Summerside, we match your business to lenders who understand commercial equipment and how PEI's income actually flows — from the harvest and fishing seasons to the year-round runs to the mainland. We build the file around your business, not a generic national template.
PEI carriers operate under a Safety Fitness Certificate and the National Safety Code, and lenders factor safety standing and business registration into their decisions. We prepare your file with those requirements in mind from the start — one reason PEI approvals tend to move quickly with us. All financing is subject to credit approval, and terms vary by applicant, equipment and lender.
Commercial trucks, trailers and equipment are our core programs. From your first highway tractor to a full fleet, here's what we fund for PEI businesses.
Highway tractors, sleeper and day cabs, and vocational trucks — new or used, dealer or private sale. Our flagship program for PEI's produce and freight lanes.
Learn more →Reefers, dry vans, flat decks, step decks and produce units — financed for every freight type and haul.
Learn more →Agricultural, construction and material-handling equipment — new or used, with terms structured to the asset.
Learn more →Built for independent drivers running their own truck across PEI.
Learn more →First-time authority and new-business friendly programs.
Learn more →Second-chance approvals when credit has held you back.
Learn more →Fund a used truck bought directly from another operator or business.
Learn more →Unlock working capital from equipment you already own.
Learn more →Predictable fixed-term funding for larger commercial purchases.
Learn more →Trucks and trailers do the heavy lifting across every PEI sector. We finance commercial equipment for the industries that depend on it most.
Bulk trailers, reefers and farm equipment for the Island's potato producers and shippers.
Reefer trailers and refrigerated units for lobster, mussel and seafood haulers moving to market.
Semi-trucks and trailers running the Confederation Bridge to the mainland and onward across the Maritimes.
Dump trucks, gravel trains and heavy equipment for the growth around Charlottetown and Summerside.
Forklifts and material-handling equipment for the Island's food-processing and distribution operations.
First-truck buyers and credit-challenged carriers building their business from the ground up.
Wherever you operate on PEI, a TruCapital advisor can help. We regularly fund businesses in these communities and the areas around them.
Don't see your community? We finance operators island-wide — talk to an advisor about your area.
We prepare your file to PEI lender standards up front, so approvals move quickly once your documents are ready.
Harvest timing, seafood seasons and cross-bridge realities — our team structures financing that fits how the Island actually earns.
First-truck buyers, newer authorities and credit-challenged carriers all have a path — we tell you exactly what your file needs.
Because we work with many Canadian lenders, we can match your unit and situation to the right program instead of a one-size-fits-all rate.
Buying from a dealership or directly from another operator? We structure both across PEI.
You get a real person who owns your file from application to funding — no call-centre handoffs.
Send the unit details and your business info online or by phone with a local PEI advisor.
We prepare your file with Safety Fitness and registration requirements in mind and aim for a decision in as little as 48 hours.
Your advisor walks you through the offer so you know the structure before you sign. Subject to approval.
Funds are released to your dealer or private seller and you get to work.
Representative experiences from businesses we've worked with across the Island.
"I haul potatoes off the Island across the bridge to the mainland. TruCapital understood the season and got me into newer reefers in time for the run."
"Added a reefer for lobster runs out of eastern PEI. Quick approval and my advisor walked me through every number before I signed."
"Bought a used tractor on a private sale near Charlottetown. They dealt with the seller directly and it was funded without the usual hassle."
Everything you need to know about financing a truck, trailer or equipment on Prince Edward Island — and what to expect when you apply.
Talk to a local PEI advisor. No obligation — we'll tell you exactly what your file needs.
Contact an advisorYes. We finance reefer trailers and refrigerated units for PEI potato and seafood haulers moving product across the Confederation Bridge to the mainland and beyond. All financing is subject to credit approval.
Most PEI applications receive a decision in as little as 48 hours once your unit details and business documents are ready.
We serve operators across PEI, including Charlottetown, Summerside, Stratford, Cornwall, Montague, Kensington, Souris and Alberton — plus the areas around them.
Yes. We structure private-sale financing directly with the seller across PEI, which is common for used trucks and trailers bought between operators.
Most approvals require business registration or incorporation, recent 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.
Yes. We finance highway tractors and trailers for PEI carriers running the Confederation Bridge to New Brunswick and onward across the Maritimes and into the U.S. Northeast, subject to approval.
From your first truck to your next ten, TruCapital funds PEI businesses fast. Talk to a local advisor today.
Financing is subject to credit approval and terms. Rates and terms vary by applicant, equipment and lender. TruCapital Finance & Leasing Ltd. arranges commercial financing and leasing across Canada.