Equipment we review
Snow removal equipment that can be considered
Snow removal equipment financing can cover more than the plow itself. Identify the base machine, attachments and supporting transport so the review reflects the complete working package. Equipment must be for commercial use; suitability depends on the asset and transaction.
- Truck-mounted straight-blade and V-plows
- Salt and sand spreaders, including truck-mounted units
- Wheel loaders with snow pushers or plow attachments
- Skid steers and compact track loaders with winter attachments
- Sidewalk tractors, commercial snowblowers and sweepers
- Pickup trucks, dump trucks and commercial plow trucks
- Trailers used to move commercial snow equipment
- Combined landscaping and winter-service equipment packages
Build the financing request around your winter work
A parking-lot contractor adding a loader has a different purchase from a sidewalk crew replacing a tractor. Explain the properties you service, whether the unit is assigned to one site or moves between routes, and whether it adds capacity or replaces an existing machine. Include signed contracts when available and identify any work that is still a bid or proposal.
Describe how customers pay: a seasonal contract, a per-visit charge, or another arrangement. A lender needs to understand the business cash flow that will support payments, including any landscaping or property-maintenance revenue outside winter. Request any seasonal payment arrangement during the initial review; availability is determined by the lender and is not automatic.
Lease a snow-removal package or finance a purchase
Equipment leasing is a core Merrit Capital service. A request can include a truck, plow and spreader, or a loader and compatible attachments. Ask the seller for separate prices, descriptions and serial numbers where available. Clearly separate consumable salt, repairs and operating costs from the durable equipment.
Tell us whether you expect to keep the equipment for many winters, replace it as the fleet grows, or use it year-round. That helps frame a review of a lease or conditional sales contract. Compare the complete proposed payment schedule, any initial payment, and end-of-term obligations before selecting a structure. Read our lease versus finance guide for questions to bring to the discussion.
Buying used snowplows, loaders or plow trucks
For a used machine, collect the year, model, hours or kilometres, asking price and seller details. A quote should distinguish the truck chassis from an installed plow or spreader. Maintenance records, photographs and details of corrosion, rebuilds or replacement components can help clarify condition; financing review does not replace an equipment inspection.
Confirm the delivery and installation dates before making an unconditional commitment. A dealer sale and an eligible private purchase can require different seller and ownership documents. If the purchase includes a trade-in, share its value and any outstanding finance balance as part of the initial request.