List Your Truck

COMMERCIAL TRUCK FINANCING

Plan the Truck. Understand the Numbers.

Explore illustrative payments and prepare the information a financing conversation may require.

Build a financing plan

PAYMENT CALCULATOR

Estimate a monthly payment

ILLUSTRATIVE MONTHLY PAYMENT$1,846/month*

*Planning estimate. Not a quote, approval or offer of credit.

WHAT TO PREPARE

Make your financing conversation easier

Business informationLegal name, years operating and business structure.
Truck detailsListing, price, intended use and annual kilometres.
Financial pictureDown payment, trade-in and supporting documents.
Purchase timingTarget date and time-sensitive conditions.

FINANCING WORKSHEET

Compare the whole acquisition

Start with the truck, taxes and transaction costs, then reserve cash for inspection, transport, registration, immediate service and working capital. Compare the annual rate, term, payment frequency, fees, security, early-payout terms and total borrowing cost in writing.

SemiTrucks.ca is not a lender or broker. This page does not collect an application, match providers, offer credit or predict approval.

Detailed payment calculatorPurchase budget calculatorCost-of-ownership calculatorHow truck financing worksGovernment of Canada business financing resourcesBDC business financing information

New versus used truck financing

Compare purchase price, equipment age, warranty position, immediate repair budget and expected time in service. Provider criteria and available terms vary.

Loans versus leases

Ask about ownership, end-of-term obligations, early payout, permitted use and tax treatment. Obtain advice specific to your business.

Questions to ask a provider

  • What is the total borrowing cost?
  • Are fees or security registrations additional?
  • What happens on early payout?
  • Are there equipment-age or use restrictions?

SemiTrucks.ca does not promise financing approval and does not act as a lender. Actual terms depend on the provider and applicant circumstances.