Questions, answered.

We’re an equipment and commercial-truck financing brokerage based in Surrey, BC, serving businesses across Canada and the USA. We’re not a single lender — we shop multiple funders and structure financing around your business, then explain every number before you sign.

New and used commercial trucks, trailers, and heavy machinery across construction, agriculture, transport, manufacturing, and medical — plus the services around them: leasing, factoring, fuel cards, warranty, and protection products.

No — you're not limited to any inventory. We'll happily finance equipment you've already found at a dealer, auction, or private seller.

No. A conversation and a pre-qualification cost nothing and put you under no obligation.

No. Our calculators and pre-qualification are a starting point — they are estimates, not offers of credit or credit decisions. A real approval comes after we review your application.

Yes. Call or send the form and an advisor will reach out — usually the same business day.

Call (604) 501-2233, email info@bcefinance.ca, or send the contact form. For applications you can also reach credit@bcefinance.ca. An advisor usually responds the same business day.

Start with Get Approved — or use a guided tool (like Build Your Financing) to prefill it — then send it back with your details. You can also download a credit application and return it to us.

Usually basic business details, the equipment or vendor quote, and — for larger amounts — recent financials or bank statements. We’ll tell you exactly what’s needed for your situation.

Often the same day — once we have your information we move fast to get you viable options. Larger or more complex deals can take a little longer.

A pre-qualification conversation doesn’t require a hard credit pull, and we’ll be clear about any step that does before it happens. Ask us first if you have concerns. (TODO: confirm process specifics.)

We walk you through the options and the numbers, you choose a structure, documents are signed, and funds go to the vendor so you can take delivery of your equipment.

Yes — knowing your budget first makes you a stronger buyer. Ask about a pre-approval, or a lease line of credit if you buy equipment regularly.

We move as fast as your paperwork lets us, and we’ll finance a used unit you’ve already found at a dealer, auction, or private seller — often the fastest way to get capacity back on the floor. Tell us what the machine is and where it is.

Yes — we consider new businesses and first-time owner-operators case by case, looking at the whole picture rather than a single number.

All credit is considered. Newer credit and past bumps don’t automatically rule you out — talk to us and we’ll look at the whole picture.

Yes. Financing a first truck is one of the most common things we help with — ask us how to put your best application forward.

Usually the equipment itself secures the financing, and terms are considered case by case.

For many deals — especially newer businesses — personal credit can be part of the picture. We’ll tell you what’s needed up front. (TODO: confirm.)

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.

Yes. A young corporation with an experienced practitioner behind it is a different picture than a true startup, and we look at the whole picture rather than the incorporation date.

With financing you’re buying the equipment over time and own it at the end. With leasing you pay to use it — often at a lower payment — with options to buy, return, or upgrade when the term ends.

A $1-buyout lease works much like financing — you own the equipment at the end for a nominal $1, with higher payments. An FMV (fair-market-value) lease has lower payments and lets you buy, return, or upgrade at the end.

Yes. Depending on the lease type you can buy the equipment (for $1 or its residual value), return it, or upgrade to something new.

A pre-approved leasing limit you can draw on for repeat equipment purchases without reapplying each time — handy for businesses that buy regularly.

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.

Yes — new or used. Used units can structure differently than new (term length and down payment), and that’s set case by case.

Often yes — including units you’ve already found at a dealer, auction, or private seller. (TODO: confirm any restrictions.)

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.)

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.

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.)

Yes — hours tell a funder more about a used machine than the model year does, so a low-hour older excavator can look stronger than a high-hour newer one. Hours, condition, and the make all feed into how the deal structures. Send us the unit and we’ll tell you where it lands.

Yes — and on a combine that means separator hours, not just engine hours. High hours don’t rule a machine out on their own; hours, age, and condition are weighed together, case by case. (TODO: confirm any age or hour limits.)

Usually yes — a line is several assets, often from several vendors, but it doesn’t have to be several applications. Send us the quotes, including anything arriving in stages, and we’ll structure it as one financing where the funder allows. (TODO: confirm how multi-vendor and staged deliveries are handled.)

It can be. A forklift gets run hard and replaced, so leasing and upgrading can suit it, while a machine tool you’ll keep for years is often worth owning. We can structure them differently in the same deal.

That’s one of the main reasons practices lease imaging rather than finance it. An FMV lease has lower payments and lets you buy, return, or upgrade when the term ends — tell us how long you expect the system to stay current and we’ll structure around that.

No. An FMV lease lets you return or upgrade when the term ends instead of owning, which can suit a machine you took on for a specific stretch of work. If you expect to keep it earning after the job, financing or a $1-buyout lease usually makes more sense — we’ll walk through both.

Often yes — a combine costs like a year-round asset but earns in a narrow window, so spreading it over the seasons it works keeps cash in the operation. If you’d rather upgrade than own it outright, ask about leasing.

No. Send us the full list — chairs, imaging, lab, sterilization — with the quotes, and we’ll structure the fit-out rather than making you apply vendor by vendor. (TODO: confirm how multi-vendor deals are packaged.)

Rates are competitive and quoted case by case — talk to us for a real number.

By your business and credit profile, the equipment (new or used, and type), the term, and your down payment. Because we shop multiple funders, we work to get you the sharpest option available.

It depends on your business history, credit, and whether the equipment is new or used. Ask us about zero-down options.

They may be — it depends on your profile and the equipment. Ask us and we’ll tell you what you qualify for. (TODO: confirm availability.)

No. Transparency is core to how we work — we explain every number before you sign.

Terms are set case by case around the equipment and your cash flow; heavy equipment can run over different lengths than on-highway units. (TODO: confirm ranges.)

Payoff and prepayment terms depend on the specific agreement and funder — we’ll explain them clearly before you sign. (TODO: confirm.)

Yes — use the calculators or the Build Your Financing tool for a quick estimate. Estimates are illustrative starting points, not offers of credit.

Often — the machine is the asset, but the costs to get it running on the floor can sometimes be rolled into the amount financed. Send the full vendor quote with rigging, install, and tooling itemized and we’ll tell you what’s coverable. (TODO: confirm which soft costs funders will include.)

Often yes — seasonal and stepped structures are one of the first things we shop for. Tell us the draw schedule and the holdback and we’ll take it to our funders. (TODO: confirm which payment structures are available.)

Run the machine through the payment calculator and carry that monthly figure into your estimate. It’s an illustrative starting point, not an offer of credit — if the bid is real, get pre-qualified so you’re working from a number we’ve actually quoted you.

Often yes — seasonal, annual, or stepped structures are one of the first things we look for when we shop funders for a farm. What’s available depends on your operation, your credit, and the funder. (TODO: confirm seasonal payment options.)

Talk to us before you miss a payment, not after. What’s possible depends on your agreement and the funder — but because we shop multiple funders, we try to build that flexibility in at the start rather than scramble for it later.

Commercial trucks (sleeper, day cab, vocational), trailers (dry van, reefer, flatbed, step deck), construction and heavy machinery, agriculture, manufacturing, and medical 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.

Absolutely — you’re never limited to a set list. Send us the unit and the quote and we’ll take it from there.

We serve businesses across Canada and the USA. (TODO: confirm any region-specific details for your location.)

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.

Often yes — buckets, breakers, thumbs, grapples, and skid-steer attachments are commonly written into the same deal as the machine they run on. Put them on the same quote as the unit and send it over, and we’ll structure the package as one. (TODO: confirm any funder limits on attachment value.)

Both. Cranes, boom lifts, and telehandlers sit on the list alongside excavators, dozers, and loaders. Bigger, more specialized iron gets looked at case by case — send us the spec and the quote and we’ll take it to funders who know heavy equipment.

Usually yes — the seeder, sprayer, baler, or loader can often go on the same deal as the tractor rather than being financed separately. Send us the full quote with the attachments on it and we’ll structure it as one package. (TODO: confirm.)

Augers, conveyors, and grain carts are straightforward. Anything permanently installed — a bin or a dryer set on a foundation — can structure differently than a machine that moves under its own power, so send us the details and we’ll tell you what’s possible. (TODO: confirm.)

Send us the whole project. The equipment is straightforward; whether soft costs like cabinetry, operatory plumbing, or a shielded imaging room can be rolled in depends on the funder, and we shop several. (TODO: confirm what build-out costs can be included.)

New, used, or refurbished — all three. A refurbished system can structure differently than a new one, and that’s set case by case, so send us the quote and the details of the unit.

Factoring turns your unpaid freight invoices into cash now instead of waiting 30–60 days to get paid — helping you cover fuel, payroll, and equipment payments without the gap.

You submit your invoice and receive an advance quickly instead of waiting 30–60 days for the broker or shipper to pay. (Exact advance timing and rates — TODO: confirm.)

The factor handles collection on the invoices you assign. We’ll walk you through how it works before you start.

Factoring fees depend on your volume, your customers, and the program you choose. (TODO: confirm rates.)

Yes — plenty of carriers do both. Financing puts the truck under you; factoring turns your freight invoices into cash instead of waiting 30–60 days for the broker to settle, so fuel and the payment aren’t waiting on the same cheque.

A fuel program with discounts and spend controls built for owner-operators and fleets — designed to tame fuel, your biggest variable cost.

The card works across a wide fuel network with discounts and spend controls. (Provider, network, and discount specifics — TODO: confirm.)

Yes — you get spend controls and reporting that make fuel easier to manage and reconcile.

Program terms and any fees depend on the provider. (TODO: confirm.)

That’s what the fuel card is for — spend controls and reporting on each card, so you can see what’s going in the tank without phoning the driver at the pump. Network and discount details depend on the program. (TODO: confirm.)

Extended warranty and mechanical-breakdown protection help with major repairs so a breakdown doesn’t become a cash-flow crisis — especially valuable on used units. (Coverage tiers — TODO: confirm.)

Yes — protection on pre-owned units is one of the most common reasons operators add a warranty. Ask us what’s available for your equipment.

A range of truck protection, downtime, health, and driver-benefit products designed around how trucking businesses actually work. (Exact products and pricing — TODO: confirm.)

Health coverage and benefit options designed for drivers and owner-operators, to help you look after yourself and your team. (Exact offerings — TODO: confirm.)

Use the Protection Builder to choose the coverages you want, then request a quote — pricing depends on your equipment, drivers, and coverage levels.

The payment keeps coming even when the miles stop. On a used unit especially, extended warranty or mechanical-breakdown coverage is what keeps a major repair from becoming a shutdown — ask us what’s available for your truck. (TODO: confirm coverage options.)

Yes — we’ve served businesses in Canada for about 15 years and now work with US businesses too.

The structures are similar, but some products and terms differ by country. We’ll guide you to the right option for where you operate. (TODO: confirm specifics.)

Our office is at 9616 188 Street, Surrey, BC V4N 3M2. We work with clients across North America by phone, email, and online.