Commercial equipment financing across Canada
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Merrit Capital Corporation
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Work and service trucks

Work truck financing that puts the crew in motion

Merrit Capital finances commercial work trucks, vans and service vehicles for Canadian trades, contractors and field-service businesses. We look at the base vehicle, permanent upfit and intended use as a complete operating asset.

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New & used assetsCommercial business useDealer & eligible private sales
Commercial service-body work truck with tools at an active jobsite

Equipment included

Work & service 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.

  • Service-body trucks
  • Mechanic and lube trucks
  • Utility and bucket trucks
  • Cargo vans and upfitted vans
  • Contractor pickups
  • Crane and welder trucks
  • Mobile workshop units
  • Fleet replacement vehicles
  • Eligible permanent upfits

Permanent upfits should be fully itemized

Service bodies, cranes, compressors, welders, shelving and other installed systems can represent much of the truck’s value. A detailed completed-build quote is more useful than a chassis invoice alone.

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

Equip a new technician

Combine the vehicle and durable installed equipment in one deployment plan.

Replace a downtime-prone unit

Move to a reliable work vehicle before service calls are missed.

Add a specialized capability

Acquire a crane, compressor, welder or other completed upfit that expands the work offered.

Before applying

Details to gather for work & service trucks

  • Vehicle class and payload
  • Permanent upfit and installed equipment
  • Kilometres and service history
  • Technician or crew deployment
  • Completed build and delivery date
  • Business versus personal use

Frequently asked questions

Financing FAQ for work & service trucks

Can a service body be financed with the truck?

Often, when permanently installed and included in a documented completed build.

Can work vans be financed?

Commercial cargo vans and appropriate upfits may be considered.

Are contractor pickups eligible?

Business-use vehicles may be considered, subject to lender vehicle and transaction guidelines.

Can tools be included?

Durable installed equipment may be eligible; loose tools and consumables are more lender-specific.

Can a private-sale work truck be financed?

Possibly, with ownership, condition, value and seller verification.

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Financing work & service 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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