Construction & earthmoving
Construction equipment financing
Commercial equipment financing across Canada
Equipment financing built around the work.
Finance new and used commercial equipment with practical transaction guidance from a Canadian team that understands the asset, the seller and the delivery deadline.
Dealer, used, auction and eligible private-sale equipment
One clear process from the first request through documentation.
One clear process from the first request through documentation.
Serving Canadian businesses
New & used equipment
Vendor & private-sale transactions
Financing services
Choose the transaction—not a generic product
The right starting point depends on whether the asset is new or used, who is selling it, and whether the business is buying, leasing or releasing equity from equipment it already owns.
Financing option
Equipment financing
Commercial equipment financing for Canadian businesses buying new or used machinery, trucks, trailers and revenue-producing assets.
Explore service →Financing optionEquipment leasing
Commercial equipment leasing for Canadian businesses seeking practical payment structures for new and used revenue-producing assets.
Explore service →Financing optionUsed equipment financing
Finance used commercial equipment from dealers, auctions and eligible private sellers across Canada with practical transaction guidance.
Explore service →Financing optionPrivate-sale financing
Finance eligible commercial equipment purchased from a private seller in Canada with ownership, value and documentation support.
Explore service →Financing optionEquipment refinancing & sale-leaseback
Explore equipment refinancing and sale-leaseback options for eligible owned commercial assets in Canada, subject to value and lender review.
Explore service →Industries served
Equipment knowledge across the Canadian economy
Each industry page addresses the equipment, transaction patterns and qualification questions that actually change from one market to another.
Equipment categories
Start with the asset you are buying
Find financing guidance for the equipment itself, including used-condition details, seller requirements and common purchase scenarios.
Equipment
Heavy equipment
Finance new and used dozers, loaders, graders, rock trucks and other heavy equipment for Canadian commercial operations.
View financing details →EquipmentExcavators
Finance excavators, mini excavators, long-reach units and attachment packages for Canadian contractors and commercial operators.
View financing details →EquipmentSkid steers & compact track loaders
Finance skid steers, compact track loaders and attachment packages for construction, landscaping and property-service work.
View financing details →EquipmentDump trucks
Finance new and used dump trucks, gravel trucks, tri-axles and specialized dump units for Canadian commercial operators.
View financing details →EquipmentSemi trucks
Finance new or used day cabs, sleepers and highway tractors for Canadian owner-operators, transportation businesses and commercial fleets.
View financing details →EquipmentCommercial trailers
Finance dry vans, reefers, flatbeds, lowboys, dump and specialty trailers for Canadian fleets, contractors and specialized hauling businesses.
View financing details →EquipmentWork & service trucks
Finance service trucks, contractor vans, utility trucks and permanent vehicle upfits for Canadian trades, field-service teams and businesses.
View financing details →EquipmentLoaders & compact equipment
Finance wheel loaders, compact loaders, telehandlers and attachments for Canadian construction, landscaping and material-handling businesses.
View financing details →A straightforward process
From equipment quote to funding
Complete information lets everyone spend less time chasing basics and more time resolving the actual transaction.
01 / EQUIPMENT
Share the asset and seller
Provide the quote or listing, purchase price, specifications and delivery deadline.
02 / BUSINESS
Explain how it earns
Tell us about the company, operating history and reason for the purchase.
03 / REVIEW
Structure and credit review
Merrit Capital organizes the request and outlines any additional information required.
04 / FUNDING
Documents and delivery
After approval, final seller, insurance, signature and funding conditions are coordinated.
For equipment vendors
Help customers solve the financing question sooner.
Merrit Capital works with Canadian equipment dealers and vendors that want a dependable path for customer transactions—without pretending every buyer or asset will qualify.
Frequently asked questions
Clear answers before the application
Equipment financing is easier to navigate when the limits and documentation are explained plainly.
What types of equipment does Merrit Capital finance?
Merrit Capital considers a wide range of revenue-producing commercial assets, including construction machinery, trucks, trailers, agricultural, manufacturing, forestry, hospitality, medical, waste-management and business technology equipment.
Can used equipment be financed?
Yes. Used commercial equipment may be considered based on age, hours or kilometres, condition, value, seller and the strength of the full request.
Can I buy equipment from a private seller?
Eligible private-sale transactions may be financed after ownership, liens, condition, value, seller identity and the funding process are verified.
Does Merrit Capital finance equipment across Canada?
Merrit Capital serves eligible Canadian businesses through a remote process and does not imply physical offices in every province or city.
What information should I send first?
Start with the equipment quote or listing, purchase price, seller, delivery deadline, legal business name, time in business and a short explanation of how the asset will be used.
Is equipment-financing approval guaranteed?
No. Every transaction is subject to lender credit approval, asset acceptance and standard documentation.
Have equipment in mind?
Tell Merrit Capital what you are buying, the approximate amount, the seller and the timing. We will explain the next information needed—without promising an outcome before the transaction is reviewed.