One application. 5 lenders.
Get Funded One application routed to where you qualify.
Every Apply button starts the same single application. Your chosen lender is prioritized first.
Five in our network. They lend $5,000 to $50 million, and rates start at 5.5%. Three pay out within 24 hours, four within two days, and all five within a week. Every one of the five considers poor credit, because the truck is the security.
| Lenders | |
|---|---|
| Finance trucks in BC | 5 |
| Lowest published rate | 5.5% |
| Pay out within 24 hours | 3 |
| Pay out within a week | 5 |
| Consider poor credit | 5 |
| Revenue minimums | $8,333 or $10,000 a month |
| Time in business | 6, 12 or 24 months |
Published lender terms, checked August 2026.
Our application reaches all five and goes to the lender most likely to approve the amount you enter.
Time in business and revenue, more than a credit score. The five lenders ask for six, twelve or 24 months in business, and $8,333 or $10,000 a month in revenue. Bring the truck's details, a bank history showing the revenue, and the quote or bill of sale. An owner-operator with six months of hauling behind them has a file.
When the truck is licensed with a gross vehicle weight of more than 5,000 kg. The programme sets minimum safety standards for commercial vehicles and drivers in the province. A truck under that line is outside the programme, and the lender does not change its terms either way, but the carrier's obligations do.
If you are registered for GST/HST, yes. A registrant recovers the GST/HST paid on purchases for its commercial activities by claiming input tax credits on its return. On a $100,000 truck that is $5,000 of GST back, so the lender's figure and your net cost differ. Ontario truck buyers have their own page: truck loans in Ontario. Business lenders for the province are on the business loans in British Columbia page.
Reviewed by Vlad Sherbatov, Co-Founder and President, Smarter Loans, 13 October 2026. Lender terms checked August 2026.
Five lenders in our network do, lending $5,000 to $50 million at rates from 5.5%. Three pay out within 24 hours, and all five within a week.
Yes. All five lenders consider poor credit. They look at time in business and revenue instead.
The lenders ask for six, twelve or 24 months, depending on the lender, with $8,333 or $10,000 a month in revenue.
A commercial vehicle licensed with a gross vehicle weight of more than 5,000 kg falls under the programme, which sets minimum safety standards for vehicles and drivers.
Yes, if you are a GST/HST registrant. You recover the GST paid on the truck by claiming an input tax credit on your return.
