Trades & field service equipment financing that keeps crews moving
Trades and field service businesses win on reliability: show up, solve the problem, and keep the schedule tight. Whether you run a service van, a work truck, or a mobile crew, the equipment has to earn every day.
Merrit Capital helps owner‑operators and small to mid‑sized trades businesses across Canada finance revenue‑generating vehicles, tools, and specialty equipment—without turning the process into a paperwork marathon.
Trades & field service assets we commonly finance
A few examples. If it earns revenue and the documentation is clean, there’s often a path.
Service vehicles
Service vans, work trucks, cube vans, and replacement units—new or used.
Tools & packages
Tool packages, installed shelving/boxes, compressors, welders, diagnostic gear, and more.
Specialty equipment
Lifts, trenchers, skid steers, mini excavators, generators, and jobsite equipment.
How to get approved faster
Speed comes down to clean equipment details and a clear use case. Here’s the fast path.
Send the equipment details
Make/model/year, price, and seller type (dealer, private, auction). Include VIN/serial when available.
Share the business context
What you do, how long you’ve been operating, and how the asset will be used. If it’s replacing a unit, say so.
We structure the best fit
Lease vs. finance, term, and payment style—based on the asset, approval profile, and cash flow.
Want a simple checklist you can forward to your bookkeeper?
Use our approval checklist to avoid “one‑more‑document” loops and keep your deal moving.
Trades & field services financing FAQ
Do you finance tool packages and installed equipment?
Often, yes. If tools, shelving, boxes, or specialty gear are part of the purchase, include an itemized invoice so we can structure it properly.
Can you finance used service vehicles?
Yes. Used vehicles are common. The key is clean documentation (invoice/bill of sale), clear VIN details, and a reasonable asset profile for the lender.
Can I bundle a van plus tools into one request?
In many cases, yes. Send the full package with pricing so we can treat it as one transaction and keep approvals simple.
Do you work with newer businesses?
Sometimes. Each deal depends on the asset, the transaction, and the overall story. If you’re newer, send the details and we’ll tell you the most realistic path.
What terms are typical?
Terms vary by asset and approval profile. Many deals fall in the 24–84 month range depending on equipment type and lender guidelines.