Heavy Equipment Financing Guides for Canadian Contractors
33 expert guides written for contractors — not bankers. Real answers about financing, credit, payments, and getting the equipment you need.
Financing Core
Essential guides to equipment financing in Canada
Heavy Equipment Financing in Canada: The Complete Guide
Heavy equipment financing in Canada — the complete guide to lender types, rates, down payments, approval requirements, and how to structure the deal.
Read the full guideUsed Heavy Equipment Financing in Canada: What Lenders Approve
What Canadian lenders actually approve for used heavy equipment. Age limits, hour thresholds, rate tiers by credit, and how to structure your deal for the best terms.
What Happens If You Default on Equipment Financing?
A straightforward guide to what actually happens when you default on equipment financing in Canada. Covers the timeline from missed payment to repossession, credit impact, deficiency balances, and how to avoid or recover from default.
Equipment Financing for Sole Proprietors and Owner-Operators
How sole proprietors and owner-operators can finance heavy equipment in Canada. Covers personal credit reliance, documentation requirements, application strategies, and building business credit from scratch.
Equipment Financing for a Newer Business (Under 2 Years)
How to finance heavy equipment when your business is under 2 years old. Covers what lenders require, alternative paths to approval, documentation tips, and realistic expectations for newer Canadian contractors.
Equipment Financing With Bad Credit: What Actually Works
Realistic equipment financing options for bad credit in Canada. What works, what does not, and how to get the best deal possible.
Heavy Equipment Loan Rates in Canada (2026): What Contractors Actually Pay
Heavy equipment loan rates in Canada by credit tier, lender type, and equipment age. Compare real rate ranges across banks, captives, and private lenders — and avoid misleading quotes.
Lease vs. Finance: Which Makes More Sense for Contractors?
A clear breakdown of leasing vs. financing equipment for Canadian contractors. Covers ownership, tax implications, monthly payments, flexibility, and when each option is the better choice.
Banks vs. Private Lenders: Which Is Right for Equipment Financing?
A straight comparison of banks and private lenders for equipment financing in Canada. Rates, approval speed, flexibility, documentation, and when each option makes sense for contractors.
How Much Down Payment Do Lenders Require for Equipment Financing?
Typical down payment requirements for equipment financing in Canada. What affects the amount and strategies to reduce it.
What Credit Score Do You Need for Equipment Financing?
Credit score requirements for equipment financing in Canada. What each score range means and your real options at every level.
Excavators
Everything about financing and evaluating excavators
How to Finance an Excavator in Canada
The complete guide to excavator financing in Canada. Covers mini, mid-size, and full-size excavators, what lenders look for, rates, terms, and how to get approved.
Read the full guideCan You Finance a 2012 Cat 320? (Equipment Age Guide)
Yes, you can finance a 2012 Cat 320 — with the right lender and conditions. This guide covers age thresholds, what makes older Cat excavators financeable, and strategies for financing equipment that is 10-15 years old.
What's the Monthly Payment on a $150K Excavator?
Real monthly payment calculations for a $150,000 excavator at different rates, terms, and down payments. See exactly what you will pay and how to budget.
How Many Hours Is Too Many on an Excavator?
Understand excavator hour thresholds by size class, what hours mean for different work types, how hours affect financing and pricing, and when to walk away from a high-hour machine.
Average Price of a Used Excavator in Canada (2025)
Current used excavator prices in Canada broken down by size class, model, year, and hours. Includes pricing tables, factors that affect value, where to buy, and how price impacts financing.
Can You Finance a Used Excavator? (The Real Answer)
Yes, you can finance a used excavator in Canada. Here is what lenders look at, what kills deals, and how to get approved.
Skid Steers
Skid steer financing, pricing, and evaluation guides
Skid Steer Financing Canada: The Complete Guide
Everything you need to know about financing a skid steer in Canada. Models, prices, rates, terms, lease vs buy, and how to get approved.
Read the full guideCan You Finance a Used Skid Steer With Bad Credit?
Yes, you can finance a used skid steer with bad credit in Canada. Here are your realistic options, what to expect on rates and down payments, and strategies to get approved.
How Many Hours Is Too Many on a Skid Steer?
Learn what 3,000, 5,000, and 8,000 hours really mean on a skid steer. How hours affect value, financing, and reliability — with inspection tips at each threshold.
Average Price of a Used Skid Steer in Canada (2025)
Current used skid steer prices in Canada by brand, model, year, and hours. Bobcat, Cat, John Deere, Kubota, and Case pricing with market trends.
Dozers & Heavy Iron
Dozer and heavy equipment financing guides
Dozer Financing Canada: What You Need to Know
Complete guide to financing a dozer in Canada. Models, prices, rates, terms, and what lenders look for on bulldozer deals from Cat D3 to D11.
Read the full guideHow Many Hours Is Too Many on a Dozer?
Learn what 3,000, 6,000, and 10,000 hours really mean on a bulldozer. How hours affect value, financing, and reliability — with inspection tips at each threshold.
What's the Monthly Payment on a Cat D6 Dozer?
Realistic monthly payment estimates for financing a Cat D6 dozer in Canada. Price ranges by year, payment tables, total cost analysis, and budgeting tips for contractors.
Can Banks Finance 10,000-Hour Equipment?
Most banks will not finance equipment over 10,000 hours, but alternatives exist. Here is why banks draw the line, what 10,000 hours really means, and how to get high-hour equipment funded.
Logging & Specialty
Financing guides for logging and specialty equipment
Logging Equipment Financing Canada: Full Guide
Everything you need to know about financing logging equipment in Canada. Covers skidders, feller bunchers, forwarders, processors, and log trucks. Provincial considerations for BC, Alberta, and Ontario.
Read the full guideNewHow Many Hours Is Too Many on a Skidder? Why the Meter Can Mislead You
Used skidder hours by brand, class, and terrain — plus the wear points, rebuild records, and financing cutoffs that matter more than the meter.
NewLogging Equipment Financing for Bad Credit in Saskatchewan
Bad credit logging equipment financing in Saskatchewan: what actually gets approved, realistic rates, down payments, and lender strategies for Saskatchewan forestry contractors.
NewLogging Equipment Financing for Bad Credit in BC
Bad credit logging equipment financing in BC: what actually gets approved, realistic rates, down payments, and lender strategies for British Columbia forestry contractors.
How to Start a Logging Truck Business in Canada
How to start a logging truck business in Canada — licensing, insurance, truck setup, mill contracts, startup costs, and how owner-operators fund their first rig.
Logging Equipment Financing for Bad Credit in Alberta
Bad credit logging equipment financing in Alberta: what actually gets approved, realistic rates, down payments, and lender strategies for Alberta forestry contractors.
Logging Equipment Financing for Bad Credit in Canada
Bad credit logging equipment financing in Canada: what actually gets approved, realistic rates, down payments, and lender strategies for forestry contractors.
Log Truck Financing in Canada: Rates, Terms & Approval
Log truck financing in Canada: what gets approved, realistic rates, down payments, and lender strategies for Kenworth, Peterbilt, and Western Star rigs.
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