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 (844) 834-6262, 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.

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.)

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.)

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.

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.)

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.)

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.)

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.

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.