Vocational truck financing for owner‑operators and small fleets
Vocational assets are how real work gets done: dump trucks, roll‑off trucks, hooklifts, vacuum trucks, and specialty bodies. Merrit Capital helps owner‑operators and small to mid‑sized operators across Canada finance vocational trucks with a clean, lender‑friendly process.
Vocational assets we commonly finance
A few examples. If it’s a revenue‑generating truck or body, there’s often a path.
Dump & aggregates
Dump trucks, tri‑axles, gravel trucks, and related equipment for construction and materials movement.
Waste & roll‑off
Roll‑off trucks, hooklifts, bins, compactors, and waste hauling support equipment.
Specialty vocational
Vacuum trucks, hydrovac units, service trucks, flatbeds, and other vocational builds.
Buying a truck with a body or upfit?
Include chassis details and body/upfit details (and pricing) so we can structure the request correctly.
How to keep vocational truck deals moving
Trucks can be straightforward—until key details are missing. Here are the inputs that prevent avoidable delays.
Truck + body details
Year/make/model, VIN (when available), mileage/hours, body type, and pricing for each component (chassis + body/upfit).
Seller + timeline
Dealer, private sale, or auction—plus your delivery date and any deposit deadlines.
Business context
What work you do (aggregates, waste, municipal, etc.), where you operate, and how long you’ve been running the business.
Vocational truck financing FAQ
Do you finance used dump trucks?
Yes. Used vocational trucks are common. What matters is clean documentation, clear equipment details, and a structure that fits the truck and approval profile.
Can you include the body/upfit in the financing?
Often, yes—especially when pricing is clear and the upfit is part of the revenue‑generating asset. Include both chassis and body details in your request.
Do you finance roll‑off or hooklift trucks?
Yes. Roll‑off and hooklift assets are a common request category. Include the bin or container details if they’re part of the package.
How fast can I get an answer?
Speed depends on the truck, structure, and completeness of details. Straightforward requests with clean information can often move quickly—sometimes within 24 hours.
Do you work with small fleets?
Yes. Small fleets and growth operators are a core fit. We’ll look at the transaction, the asset, and the full business story—not just a single number.
Ready to price a truck?
Send a listing or spec sheet and we’ll map the cleanest path.