Equipment financing
Truck financing & leasing
Add a truck to your operation without tying up your cash. We finance new and used commercial trucks across Canada and the USA — and if you have already found the unit, we will finance that too.
What we finance
Trucks we fund
Sleeper
Long-haul tractors with a cab built for life on the road.
Day cab
Regional and short-haul tractors for daily-return runs.
Vocational
Dumps, mixers, and work trucks built for the job site.
- New and used highway tractors
- Owner-operator first trucks
- Fleet additions and replacements
- Vocational and work trucks
- Refinancing on a truck you already own
Typical financing terms
How the terms usually work
Terms are set case by case around your business, your credit, and whether the truck is new or used. Zero-down options may be available, and used units can finance differently than new — ask us for a real quote (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
-
Zero down payment options
Keep your cash working in the business.
-
Competitive rates
We shop multiple funders so you don’t overpay.
-
All credit considered
Newer credit and past bumps welcome — we look at the whole picture.
-
Same-day approvals
Paperwork out the day you reach us, in many cases.
-
Multiple finance options
Finance, lease, refinance, or a lease line of credit.
-
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
Do you finance first-time owner-operators?
Yes. Financing a first truck is one of the most common things we help with — ask us how to put your best application forward.
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.
Can you finance a private-sale or auction purchase?
Often yes — including units you’ve already found at a dealer, auction, or private seller. (TODO: confirm any restrictions.)
Is there a mileage or age limit on a used truck?
Mileage and age both factor into how a used truck structures — a high-mileage unit can finance differently than a low-mileage one, and it is set case by case. Send us the year, make, and odometer reading and we’ll tell you where it lands. (TODO: confirm any funder limits.)
Does a vocational truck finance differently than a highway tractor?
It can. A dump or mixer works on-site and holds its value differently than an on-highway sleeper, and funders look at the body and the work the truck actually does. Tell us how it will be spec’d and where it will run, and we’ll structure around that.
Related
Keep exploring
Next step
Ready to get your business in gear?
Get approved today — it starts with a quick conversation.