Trailer types we finance
Whether your fleet runs dry vans coast-to-coast or specialty heavy-haul, the network supports every common Canadian trailer class.
- Reefer (refrigerated) trailers — Carrier, Thermo King, Utility, Great Dane
- Dry van trailers — 53-foot and 48-foot
- Flatbeds and step-decks
- Lowboys and double-drops for heavy haul
- Tankers (food-grade, fuel, chemical)
- Live-bottom and aggregate trailers
- Curtain-side, conestoga and B-train combinations
- Container chassis and intermodal trailers
Who applies for trailer financing
Trailer files cover every part of the carrier ecosystem.
- Single-tractor owner-operators adding capacity
- For-hire carriers expanding their reefer fleet
- Brokers and 3PLs adding power-only equipment
- Specialty haulers (oversize, heavy-haul)
- Construction firms adding lowboys and float trailers
How trailer financing differs
Trailers have a longer economic life than tractors, so we structure them for what they actually are — long-life, low-depreciation assets:
- Up to 84-month amortization
- $0 down on the right credit profile
- Multi-trailer purchase orders rolled into a single facility
- Refinancing once the asset is paid down to free working capital
- Lease-purchase arrangements for owner-operators on contract
Frequently Asked Questions
Are reefer trailers harder to finance than dry vans?
Slightly — reefers carry a more complex residual value because of the refrigeration unit, but our lender network actively finances them with competitive structures, especially for late-model Carrier and Thermo King units.
Can I finance a used trailer?
Yes. Used trailers are routinely financed; appetite typically extends to 12–15 model years given the long economic life of trailers.
Can I roll multiple trailers into one financing?
Yes. Multi-unit purchase orders for fleet expansions are commonly written as a single facility with one schedule, simplifying both your bookkeeping and the lender admin.
What if I bought the trailer for cash and want to refinance?
That is a sale-leaseback transaction — we arrange those regularly. The lender purchases the trailer from your business and leases it back to you, putting the cash back on your balance sheet.
What documents are usually required?
For applications under $250,000 the file is typically minimal — a one-page application and basic ID. Above $250,000 we generally request two years of business financial statements and the most recent three months of bank statements. Specific lenders may also request equipment quotes, articles of incorporation, or a personal net-worth statement.