Truck and commercial vehicle financing for your business.
Most of what we do is pickup trucks — work trucks, crew cabs, half-ton through one-ton, for contractors, trades, fleets and owner-operators. We also finance the full range of commercial vehicles, from cargo vans to highway tractors.
Leasing and financing options depend on the program, the vehicle and your business. We will tell you honestly what is realistic.
CBB is not a truck dealership or vehicle seller. We arrange financing for eligible purchases — the vehicle itself comes from your dealer, private seller or auction.
What makes this possible
Retail programs apply fixed rules. A dealership's captive lender works from a set of hard cut-offs — an age limit, a kilometre limit, a minimum credit score — and if your truck or your file falls outside one of them, the answer is no regardless of how healthy your business actually is.
Commercial programs underwrite the business instead. They look at your revenue, your banking history and how the vehicle will be used and paid for. That is a much wider door, and it is what lets us consider trucks those retail rules exclude — the older unit, the higher-kilometre unit, or the file a dealership already turned away.
It doesn't land on your personal credit
The truck is financed under your business, not as a monthly trade line on your personal credit file — so adding another truck doesn't count against your personal borrowing.
No financial statements required
We do not need financial statements at all to qualify, and no three years of year-ends to assemble.
No home collateral
You are not putting your house up. No real estate security is required to qualify.
Approvals within 24 hours
Decisions within 24 hours, so you can move on a truck before someone else does.
The lender makes the decision and sets the terms — our job is to get your application in front of the right one.
What we can finance
Who this is for
Where you can buy
Anywhere you find the right vehicle
We can coordinate financing for eligible purchases from any of the usual sources. Tell us where the vehicle is coming from and we will work with the requirements of that route. Each route has its own paperwork, and knowing which one you are using up front saves time later — a dealership handles most of it on their end, a private sale usually needs a bill of sale and clear title, and an auction may need financing arranged before you bid.
Dealerships
Including vehicles a dealership's own program could not place.
Private sellers
Often needs extra documentation — we will guide you through it.
Auctions
Including conditional pre-approval where a program allows it before you bid.
Estimate your financing
Vehicle financing calculator
Commercial vehicle financing is structured as an instalment loan, so the equipment loan calculator is the right one to use here. It is an illustration — your actual rate and approved amount depend on the program, the vehicle and the applicant.
Move the sliders to see how the numbers interact. A longer term lowers the monthly payment but increases what you pay in total; a larger down payment does the opposite. It is a useful way to work out what a truck actually costs your business each month before you commit to anything.
Equipment Leasing & Financing Calculator
$15,000–$250,000 · Rates from 9.99%
Longer and shorter repayment terms are available. Final terms are set by the lender and the specific financing program.
Your estimate
Illustrative only — your rate and approved amount depend on the program, the vehicle and the applicant. Full disclosure
How it works
Tell us what you need
The vehicle — make, model, year, kilometres and where you are buying it. A quote or listing is helpful but not required to start.
We review the file
We look at your business, the vehicle and what you are trying to achieve, and identify which programs are likely to fit — including older vehicles and high mileage.
We prepare the application
We work with you to complete the lender application and gather the supporting documentation the program requires.
The lender assesses it
We manage the file with the lender and keep you informed at every stage of the process.
Documentation and funding
On approval we coordinate the paperwork between you, the lender and the seller, through to funding.
You take delivery
You collect the vehicle and the financing is in place. Payments follow the agreed structure.
Frequently asked questions
- My truck is older than 2017 — is it worth applying?
- It can be. Eligible programs may consider vehicles older than 2017 with more than 190,000 kilometres, subject to the program, the vehicle and the applicant. Whether a specific unit qualifies depends on its condition and the lender's criteria, and we will tell you honestly what we think is realistic.
- What rate will I get?
- That depends on the program, the applicant and the vehicle. We do not publish a separate truck financing rate, because pricing is determined by the lender for your specific deal. We will show you what is available before you commit.
- Can you finance a truck I'm buying privately?
- Depending on the program, yes. Private sales typically need additional documentation such as a bill of sale and clear title information. Tell us the source at the start and we will set out what is needed.
- Do you sell trucks?
- No. CBB is a commercial financing team, not a dealership or vehicle seller. We arrange the financing; the vehicle comes from your dealer, private seller or auction.
- Will this affect my personal credit?
- The truck is financed under your business rather than as a monthly trade line on your personal credit file, so adding vehicles doesn't count against your personal borrowing. How any individual loan is reported depends on the program and the lender — ask us and we will tell you what to expect.
- How long does it take?
- Timelines depend on the program and how complete the file is. Decisions can sometimes be reached quickly for eligible applications, but we do not guarantee a timeframe.
Been told no elsewhere?
A decline from one program is not a decline from all of them. Send us the details and we will tell you what is possible.