Dedicated Services
Equipment Financing
Get the equipment you need to grow — without tying up your working capital. Flexible financing for trucks, trailers, and commercial machinery, tailored to Canadian businesses.
Get the equipment you need to grow — without tying up your working capital. Flexible financing for trucks, trailers, and commercial machinery, tailored to Canadian businesses.
Equipment financing lets your business acquire the assets it needs while spreading the cost over manageable monthly payments. Instead of a large upfront purchase, you keep cash in the business and put the equipment to work right away.
At TruCapital, we broker equipment financing across Canada for owner-operators, small fleets, and growing companies. Because we work with multiple banks and private lenders, we match you to the right program and rate rather than a single bank’s rulebook.
Share a few details about your business and the equipment you want to finance.
We shop your file across our lender network and return a tailored pre-approval, usually within 24–48 hours.
Your advisor walks you through rate, term, and payment options so you can choose with confidence.
Once documents are signed, funds are released to the seller and you put the equipment to work.
To keep your approval fast, have these ready when you apply:
A first-time owner-operator finances a used highway tractor with a low down payment suited to a single-truck budget.
A regional carrier adds three trailers on a single approval, preserving its bank line for fuel and payroll.
Highway trucks, trailers and reefers, plus construction, agriculture, forestry, manufacturing, and waste-management equipment — new or used, from a dealer or a private seller.
Most applications receive a decision within 24–48 hours, and straightforward deals are often pre-approved the same day.
Yes. We finance both new and used equipment, including older units, with terms based on the asset and your profile.
All credit types are welcome. Strong credit earns the best rates, but we have programs for limited or damaged credit too.
Tailor-made loans for new or used trucks and trailers.
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Lock in a dedicated credit line for future equipment purchases.
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Reduce monthly obligations and free up working capital by refinancing existing equipment loans.
Learn more →Book a free consultation with a TruCapital advisor and get a tailored pre-approval — fast, transparent, and built for your business.