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Sales Lease Back

Unlock the cash tied up in equipment you already own — sell it to the lender, lease it back, and keep using it while working capital flows back into your business.

What is Sales Lease Back?

A sale-leaseback lets you turn owned equipment into immediate cash: the lender purchases the asset and leases it back to you, so you keep operating it while freeing up the equity.

TruCapital arranges sale-leaseback financing for Canadian businesses that own trucks, trailers, or machinery outright and want to put that value to work without disrupting operations.

Who this service is for

Businesses with paid-off equipment and tight cash
Owners funding expansion, repairs, or payroll
Companies wanting capital without new bank debt
Operators bridging a temporary slowdown

How it works

1

Identify the asset

Tell us what equipment you own free and clear.

2

We appraise it

We value the asset and structure a leaseback offer.

3

Cash released

The lender buys the equipment and pays you the agreed amount.

4

Lease it back

You keep using the equipment and repay through manageable lease payments.

Documents required

To keep your approval fast, have these ready when you apply:

Government-issued photo ID
Proof of ownership (clear title)
Equipment details and condition
Recent business bank statements

Benefits of financing with TruCapital

Fast pre-approvals — most decisions in 24–48 hours
All credit types welcome, including past challenges
Low or no down payment options on approved credit
Access to top banks and private lenders in one place
Transparent terms with no hidden fees
Dedicated advisor from first call to funding and beyond

Common financing scenarios

Bridge a slow season

A carrier sells and leases back two owned trailers to cover payroll through a slow quarter, keeping every unit in service.

Fund a repair

An operator unlocks equity from a paid-off truck to fund a major engine rebuild without new bank debt.

Frequently asked questions

Do I keep using my equipment?

Yes. That is the point of a sale-leaseback — you continue operating the equipment while accessing its cash value.

What equipment qualifies?

Trucks, trailers, and machinery that you own free and clear, in good working condition.

How much cash can I unlock?

It depends on the appraised value of the equipment. Your advisor will confirm the amount after appraisal.

Is this available across Canada?

Yes, we arrange sale-leaseback financing for qualifying businesses nationwide.

Get Started

Ready to move forward with Sales Lease Back?

Book a free consultation with a TruCapital advisor and get a tailored pre-approval — fast, transparent, and built for your business.