Truck & trailer financing built for owner‑operators and small fleets
In transportation, the asset is the business. If the truck is down, revenue is down. Merrit Capital helps Canadian owner‑operators and small fleets finance highway equipment with a process that’s fast, clear, and built around real‑world timelines.
Whether you’re replacing a unit, adding a trailer, or expanding a small fleet, we structure financing around the asset, the transaction, and how you operate—without the Fortune‑500 bureaucracy.
Transportation assets we commonly finance
A few common categories. If it has a VIN/serial and earns revenue, there’s usually a path.
Highway tractors
Day cabs, sleepers, replacement units, and expansion trucks—new or used.
Trailers
Dry vans, reefers, flatbeds, step decks, end dumps, and specialty trailers.
Add‑ons & support gear
APUs, liftgates, tarp systems, PTO units, and related equipment (where lender guidelines allow).
How to move a trucking deal quickly
Most delays are avoidable. Here’s what we need to keep approvals clean and funding on track.
Provide the truck/trailer details
VIN, year, make/model, price, and seller type. A spec sheet or photos help.
Share the operating story
Owner‑operator or fleet, time in business, and whether this is a replacement or expansion. Keep it practical.
We structure the right fit
We match the right lender and structure (lease or finance, term, down payment) and keep documentation tight.
Want to prep your request in five minutes?
Use our approval checklist—most of it is simple business info plus the equipment details.
Truck & trailer financing FAQ
Do you finance used trucks and trailers?
Yes. Used assets are common in transportation. Clean documentation and clear VIN details are the key to smooth approvals.
Can you finance private sales?
Sometimes. Private sales can work with the right documentation and a clean transaction structure. Send the details and we’ll advise quickly.
Can you finance more than one unit at a time?
Often, yes. Fleet additions or package purchases are common. Include all units and pricing so we can structure it correctly.
Do you work with owner‑operators?
Yes—owner‑operators are a core fit. We’ll look at the full picture: time in business, cash flow, the asset, and the transaction.
What terms are typical?
Terms vary by asset and approval profile. Many transportation deals are structured in the 24–84 month range depending on lender guidelines.