Heavy-duty truck financing
Match the truck to the route. Match the financing to the work.
- Route length, payload and axle configuration
- Mileage, engine hours and maintenance history
CANADA & UNITED STATES
Transportation financing expertise.
Choose the working unit. Understand the financing.
Explore commercial truck, trailer and equipment financing by the asset you operate. Start with specifications, condition and the work it will perform, then compare the cash commitment.
Discuss your financing needs ↗
Find your equipment category.
Medium-duty truck financing
Build the right truck for the job.
- Rated capacity and actual loaded weight
- Body, liftgate and refrigeration requirements
Commercial van financing
A vehicle that works as hard as your business.
- Payload after shelving and equipment are installed
- Roof height, wheelbase and loading access
Specialty vehicle financing
Finance the complete working unit.
- Chassis and body condition, not mileage alone
- PTO, pump, boom or mounted-equipment hours
Commercial trailer financing
Choose the trailer around the freight.
- Trailer type and fit with available freight
- Frame, flooring, brakes, axles and suspension
Construction equipment financing
Put the machine to work with a practical cash plan.
- Hours, service records and independent inspection
- Attachment compatibility and transport needs
Compare ownership, flexibility and cash use.
| Approach | How it works | What to review |
|---|---|---|
| Equipment loan | A purchase financed over an agreed term. | Review security, down payment, total repayment and any final balance. |
| Equipment lease | Use of the asset under a contract with defined end-of-term conditions. | Compare rentals, deposit, buyout or return conditions and residual exposure. |
| Cash purchase | Pay the seller from available business funds. | Compare the upfront cash use with operating reserves and other planned spending. |
A financing label does not determine tax treatment. Canadian and U.S. rules differ, and a lease may be treated differently from a purchase depending on the agreement. Confirm deductions, sales tax and timing with your accountant.
Explore equipment leases ↗ · Compare loan and lease scenarios ↗Tax references: CRA leasing costs ↗ · IRS lease or purchase treatment ↗
Bring the operating picture.
- Exact vehicle or equipment specification and seller quote
- Age, hours or mileage, condition and service records
- Intended commercial use, location and available work
- Business cash flow and existing financing obligations
Guides for your next step.
Trucking & Logistics Equipment Financing Canada
A Canadian guide to the documents, costs and decisions behind a financing request.
Used Equipment Financing Canada Guide
A Canadian guide to the documents, costs and decisions behind a financing request.
These articles focus on Canada. Requirements for U.S. transactions may differ.
Browse all financing articles ↗Tell us what your business needs.
Share your location, amount and purpose to begin a financing discussion.
Apply for financing ↗Financing is subject to application review and approval. Availability, costs, terms and documentation vary by business, product and location. This page provides general information and is not a financing offer.