Commercial equipment financing across Canada
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Merrit Capital Corporation
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Highway tractor financing

Semi truck financing for the next mile of the business

Merrit Capital finances new and used highway tractors for Canadian transportation businesses. Whether the purchase replaces a high-kilometre unit or adds capacity, we review the truck, route, experience and economics of the transaction together.

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New & used assetsCommercial business useDealer & eligible private sales
Brandless commercial highway tractor and trailer on a Canadian route

Equipment included

Semi trucks Merrit Capital may consider

Availability depends on the borrower, asset, seller, price and lender. Related attachments and upfits should be itemized on the quote.

  • Day cabs
  • Sleeper tractors
  • Regional-haul units
  • Long-haul highway tractors
  • Owner-operator units
  • Fleet replacement trucks
  • Matched tractor-trailer packages
  • Eligible installed telematics

Maintenance history can be as important as kilometres

Used tractor reviews often consider engine and emissions work, maintenance records, current kilometres, model year, configuration and market price. Complete information reduces surprises after a credit decision.

Asset acceptance is not an inspection. Buyers remain responsible for condition, suitability, compliance and independent professional advice.

Common purchase scenarios

How the equipment can fit the business

Replace before downtime

Plan the purchase before repair events and missed loads force a rushed decision.

Move from company driver to owner-operator

Present experience, work plan, asset and equity as one realistic transaction.

Add a fleet unit

Acquire a tractor tied to existing demand, customer growth or a defined lane.

Before applying

Details to gather for semi trucks

  • Model year and kilometres
  • Engine, emissions and maintenance history
  • Day cab versus sleeper configuration
  • Freight, route and customer mix
  • Owner-operator experience
  • Trade equity and purchase source

Frequently asked questions

Financing FAQ for semi trucks

Can used semi trucks be financed?

Yes. Age, kilometres, condition, maintenance, price and lender limits apply.

Can first-time owner-operators apply?

They may apply. Driving and industry experience, credit, equity and a credible work plan are especially important.

Can a tractor and trailer be packaged?

A combined transaction may be considered when both assets are documented.

Can I buy from a private seller?

Private sales may be possible with added ownership, lien, condition and value verification.

Are rates or approvals guaranteed?

No. Terms and approval depend on the borrower, truck, transaction and lender review.

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Financing semi trucks?

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.

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