Equipment financing
Trailer financing & leasing
Match your trailers to the freight you haul without draining working capital. We finance new and used trailers of every kind across Canada and the USA — including the one you have already sourced.
What we finance
Trailers we fund
Dry van
Enclosed trailers for general freight and palletized loads.
Reefer
Refrigerated trailers for temperature-controlled freight.
Flatbed
Open decks for oversized, building, and machinery loads.
Step deck
Drop-deck trailers for taller loads that clear bridges.
- New and used dry vans and reefers
- Flatbeds, step decks, and drop decks
- Single trailers or full pulls
- Fleet additions and replacements
- Refinancing on a trailer you already own
Typical financing terms
How the terms usually work
Trailer terms depend on your business, your credit, and whether the unit is new or used. Used trailers can structure differently than new, and zero-down options may be available — talk to us for a real number (TODO: confirm specifics).
Estimate it
Finance Payment
Enter the equipment price, your down payment, and a term to estimate a monthly payment, total paid, and total interest.
13% of price · ask about zero-down options
Example rate, editable — your real rate depends on your business and credit. (TODO: confirm default)
See your results
Enter your phone or email and we’ll show you what we found.
No spam — a BCEF advisor may follow up about your financing.
Estimates only. Not an offer of credit. Your actual rate and payment depend on your business and credit profile.
Why Blue Capital
What you get
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Zero down payment options
Keep your cash working in the business.
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Competitive rates
We shop multiple funders so you don’t overpay.
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All credit considered
Newer credit and past bumps welcome — we look at the whole picture.
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Same-day approvals
Paperwork out the day you reach us, in many cases.
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Multiple finance options
Finance, lease, refinance, or a lease line of credit.
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Honest, educational guidance
We explain every number before you sign.
How it works
Get a same-day approval.
- 01
Talk to an advisor
Tell us what you need; we’ll map your options.
- 02
Share financials & credit
A quick review so we can get you approved.
- 03
Sign & get funded
Sign the lease/finance docs and put the equipment to work.
FAQ
Common questions
Can I refinance equipment I already own?
Often yes — refinancing can free up cash from equipment you own, or replace a payment you’re not happy with. Ask us what’s possible for your situation.
Do you finance both new and used equipment?
Yes — both. Whether it’s a new unit from a dealer or a used one you’ve sourced, we’ll structure financing around it.
Can you finance equipment I’ve already found?
Absolutely — you’re never limited to a set list. Send us the unit and the quote and we’ll take it from there.
Can I finance a trailer on its own, without a truck?
Yes. We finance single trailers, full pulls, and fleet additions — you don’t need to be buying a tractor at the same time. If you are buying both, tell us and we’ll structure them together.
Does the reefer unit change how a refrigerated trailer is financed?
A reefer is really two assets — the box and the refrigeration unit on the nose — so funders look at the hours and condition on the unit, not just the trailer. On a used reefer that can change how the deal structures. (TODO: confirm.)
Can I finance a step deck or flatbed if most of my history is dry van?
Yes. Changing the freight you haul doesn’t rule you out — funders look at your operating history, not just the deck you’ve been pulling. Tell us what you’re moving into and we’ll structure around it.
Related
Keep exploring
Next step
Ready to get your business in gear?
Get approved today — it starts with a quick conversation.