Truck, Trailer & Equipment Financing

Financing that keeps your fleet moving

Fast approvals, flexible terms, and financing built for Canadian businesses that move goods and build things.

Apply now Call (647) 201-4016
Fast approvals
Trusted by Canadian businesses
Flexible terms
Competitive rates
What we finance

Financing for what drives your business

Whether you're hauling freight, moving equipment, or growing your fleet — we have a solution that fits.

Commercial truck financing

Finance new or used semi-trucks, day cabs, and vocational trucks with terms tailored to your cash flow.

Trailer financing

Flatbeds, dry vans, reefers, step decks — we finance all trailer types for owner-operators and fleets.

Heavy equipment financing

Excavators, loaders, cranes, and construction equipment — structured financing to protect your working capital.

Refinancing & sale-leaseback

Unlock equity in your existing assets or refinance to improve your monthly obligations.

Start-up & new entrants

We work with new businesses and owner-operators who need a lender willing to look at the full picture.

Fleet expansion

Structured programs for growing fleets — multiple units, deferred payments, and seasonal schedules available.

Why Empower Equity

We understand the trucking industry

We're not a big bank. We're specialists who know equipment financing and work hard to get you approved.

Fast
Quick decisions
Most approvals within 24–48 hours so you can move on opportunities quickly.
Flexible
Terms built for you
Seasonal payments, step-up structures, and terms from 12 to 84 months.
Open
All credit considered
We review the full story — not just a credit score — including new operators.
Direct
No runaround
Work directly with our financing specialists who know equipment and trucking.
The process

Get funded in three steps

Step 1

Apply online or by phone

Submit a quick application with basic business and equipment details. No lengthy paperwork upfront.

Step 2

Get your approval

Our team reviews your file and comes back with a clear offer — terms, rate, and monthly payment laid out simply.

Step 3

Sign and take delivery

Sign your documents and we fund directly to the dealer or seller so you can take possession fast.

What clients say

Trusted by owner-operators and fleets across Canada

"I was a new owner-operator with limited credit history. Empower Equity took the time to understand my situation and got me approved for my first semi-truck. I couldn't have started my business without them."
DK
Daljit K.
Owner-operator, Ontario
"We needed to add three trailers to our fleet before the busy season. Empower had us approved in under 48 hours and structured seasonal payments that matched our cash flow perfectly."
MB
Maria B.
Fleet manager, Alberta
"Other lenders turned me down because of a rough patch a few years back. Empower Equity looked at the full picture and got me into a new excavator. Their team actually knows the equipment business."
TC
Tyler C.
Construction contractor, BC
FAQ

Common questions

Everything you need to know before you apply.

We finance a wide range of commercial assets including semi-trucks, day cabs, flatbed and refrigerated trailers, dry vans, excavators, loaders, cranes, and most other heavy construction equipment. New and used assets are both eligible.
Yes. We specialize in working with borrowers who have challenged credit or are just starting out. We evaluate your full profile — business plan, equipment value, and revenue potential — not just your credit score.
Most applications receive a decision within 24 to 48 business hours. Once approved, funding typically follows within a few business days after documents are signed.
We offer financing terms from 12 to 84 months. We can also structure seasonal payment schedules, step-up plans, and deferred-start arrangements to match your business cash flow.
Down payment requirements vary based on credit profile, asset type, and loan amount. In some cases we can arrange zero-down financing. Contact us to discuss your specific situation.
Absolutely. We work with incorporated companies, sole proprietors, partnerships, and individual owner-operators across Canada. You don't need a large company to qualify.
Get in touch

We're ready to help

Have questions or ready to get started? Reach out — a financing specialist will get back to you quickly.

Office hours
Monday – Friday, 9:00 am – 5:00 pm EST
Address
7072 Mayfield Rd
Caledon, ON L7C 0Z9
Serving
All provinces across Canada

Ready to grow your fleet?

Call us at (647) 201-4016 or send a message — no obligation, no pressure.

Call (647) 201-4016