Lease the truck, trailer, or machine you need and own it at the end of the term. Fixed monthly payments, a low amount down, and a buyout that is agreed and written into your lease before you sign.
Equipment leasing lets you put a truck, trailer, or machine to work with less cash up front than an outright purchase — and every lease we arrange is lease-to-own: you take ownership at the end of the term.
You choose the equipment from any vendor or private seller, we structure fixed monthly payments with a low amount down, and the end-of-term buyout is agreed and written into your lease agreement before you sign — so there are no surprises at the end.
TruCapital arranges leasing for Canadian owner-operators, carriers, and contractors, with programs for new and used equipment and all credit situations, subject to approval.
Pick the truck, trailer, or machine from any vendor or private seller.
Fixed monthly payments, a low amount down, and the end-of-term buyout written into the agreement.
Most decisions in 24–48 hours on a complete file; all credit types considered, subject to approval.
Operate the equipment through the term and take ownership at the end.
To keep your approval fast, have these ready when you apply:
An owner-operator leases a used highway tractor with a low amount down and owns it at the end of the term.
A contractor leases an excavator to take on a new contract, keeping cash for operating costs.
Yes. Every lease we arrange is lease-to-own — you take ownership at the end of the term. There is no return option and no upgrade-at-term-end.
The buyout is set by the lessor and written into your lease agreement before you sign, so you know it up front. It varies by lessor and by the equipment, so we do not quote a figure here — your advisor confirms it with your offer.
Down payments typically range from 0% to 10% on approved credit, depending on credit, time in business, and the equipment.
Tax treatment depends on your circumstances and current accounting rules — please confirm how a lease affects your business with your own accountant. TruCapital does not provide tax advice.
Most applications receive a decision in 24–48 hours once your documents, including Articles of Incorporation, are ready. Approval timing is not guaranteed and is subject to credit.
Yes. We lease new and used equipment, including units bought from a private seller, subject to inspection and a clean title.
Already own the equipment? Release the capital tied up in it and keep using it — the opposite of leasing, which acquires equipment you do not yet own.
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Prefer to finance and own from day one? Fund the purchase directly.
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Loans built for new or used trucks and trailers.
Learn more →Book a free consultation with a TruCapital advisor and get a tailored pre-approval — fast, transparent, and built for your business.