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Highway trucks and trailers
Provide the vehicle configuration, VIN, age, mileage and maintenance history. For refrigerated trailers, include refrigeration-unit details and hours.
CANADA & UNITED STATES
Truck & Trailer Financing
Plan the vehicle purchase and the cost of putting it to work.
Apply for financing
How truck & trailer financing works
Truck and trailer financing can support a commercial vehicle purchase through a loan or lease. The unit, seller, operating plan and business finances all matter. Compare the acquisition cost with insurance, registration, maintenance and working cash.
Start with what the business needs.
Vocational and specialty vehicles
Describe the body, attachments, payload and intended work for dump trucks, service vehicles and other specialized units.
Fleet additions or replacements
Provide the full unit list, deployment schedule and how the purchase fits existing work and fleet costs.
Compare the agreement, not just the payment.
Inspection and seller checks
Confirm condition, ownership, liens and payment arrangements. Discuss auction or private-sale requirements before bidding.
Ready-to-work budget
Account for tax, delivery, registration, insurance, inspections, repairs and any body or equipment modifications.
Repayment and operating cash
Compare loan and lease commitments with maintenance reserves and the timing of customer receipts.
What to prepare
These details help frame the review. Additional documents may be requested for your business, location or proposed transaction.
Quote and unit details
Seller quote, VIN or serial number, specifications, mileage or hours, condition and available service records.
Business and operating history
Business registration, experience, fleet details and information about expected work.
Financial and transaction documents
Requested financial records, current obligations, insurance and any purchase or trade-in arrangements.
From enquiry to a considered decision.
01 / Share the request
Describe the business, equipment, location and purpose. Include the quote or asset schedule when available.
02 / Complete the review
Respond to requests for documents and clarify the available structure, costs, conditions and any outstanding checks.
03 / Review before committing
Read the written agreement and confirm obligations, conditions and next steps before signing or committing to the purchase.
Canada and United States: confirm the local requirements.
Tell us where your business is registered, where the equipment will operate and the transaction currency. We serve businesses in Canada and the United States; individual products and transaction structures vary by location.
Canada
Include the province or territory, business registration and equipment location. Confirm applicable taxes, documentation and security requirements in the written proposal.
United States
Include the state, business entity and equipment location. Confirm state-specific availability, documentation, taxes and any security requirements before committing.
Truck & Trailer Financing questions
Can a new owner-operator apply?
Share your operating experience, work arrangements, business history and available contribution. Program fit and terms depend on the complete request.
Can older or high-mileage trucks be considered?
Age, mileage, maintenance, condition and intended use are assessed together. Confirm fit before committing to a unit.
Can I finance multiple vehicles?
Provide a unit-by-unit schedule and the intended deployment. Each asset and the combined payment commitment need review.
Can I refinance a truck I already own?
Explore equipment refinancing and sale-leaseback. Ownership, value, current debt and new obligations need assessment.
Can I apply before choosing equipment?
You can discuss a planned purchase before selecting the final asset. A discussion or preliminary review is not an approval. A specific quote, seller and equipment details may be needed to complete the assessment.
How long will the review take?
Timing depends on the application, supporting documents, equipment and transaction checks. Ask what remains outstanding and when to expect the next update; no approval or funding timeframe is guaranteed.
Explore related financing options.
Use estimates as a planning aid. Actual costs and conditions depend on the written proposal.
Equipment financing calculator →Find the right vehicle category.
Transportation expertise →Compare commercial vehicle types and the details to prepare for a purchase.
Tell us what you are planning.
Start with the business location, equipment or assets, and the purpose of your request.
Apply for financingFinancing is subject to application review and approval. Availability, terms, costs and documentation vary by product, business and location. This page provides general information and is not a financing offer. Tax and accounting treatment should be reviewed with your adviser.