Send the basics
Tell us who you are, what equipment you want, the amount needed, and whether it is a dealer or private sale.
Canadian Heavy Equipment Financing
Get funded for the machine your business needs next.
Equipment financing for contractors, owner-operators, loggers, farmers, and trucking companies across Canada — even if the bank already said no.
No credit check to startBegin with basic deal details.
Used equipment acceptedDealer and private sales.
Canada-wide optionsMatched to lender fit.
Built for real equipment buyers
Banks like clean files. Equipment businesses are not always clean files.
Your deal deserves more than a form-letter decline.
A lender may say no because of credit, business age, equipment age, private-sale structure, seasonal income, or cash-flow timing.
That does not always mean the deal is dead. It may mean the file needs to be positioned for the right lender.
- New business equipment
- Used equipment purchases
- Private-sale equipment
- Bad-credit files considered
- Seasonal operators
- Bank-declined applications
- Construction and trucking
- Logging and forestry equipment
Simple process
From machine details to lender fit.
Review the deal
Your file is reviewed for equipment type, buyer profile, down payment, seller details, and lender fit.
Move toward funding
When there is a workable path, the next step is full application details, documents, approval, and closing.
Equipment we finance
Financing for the iron that keeps the job moving.
Excavators
Mini, mid-size, and large excavators.
Dozers
Construction, clearing, and grading iron.
Wheel Loaders
Yard, pit, snow, and aggregate work.
Skid Steers / CTLs
Compact equipment and attachments.
Logging Equipment
Skidders, bunchers, processors, loaders.
Trucks
Vocational trucks, highway tractors, dumps.
Trailers
Lowboys, flat decks, end dumps, step decks.
Crushers / Screeners
Aggregate, gravel, and production gear.
Popular financing scenarios
Built around the buyer’s real problem.
High-intent guides that answer the question and lead back to your application.
Bad Credit Equipment Financing
For buyers with bruised credit, collections, tax issues, or previous bank declines.
Explore bad-credit options →Used Heavy Equipment Financing
For older machines, private sales, dealer purchases, and practical work-ready equipment.
Finance used equipment →Private Sale Equipment Financing
For buyers purchasing equipment directly from another contractor, farmer, or owner-operator.
Structure a private sale →Not sure if your deal works?
Send the equipment type, price, seller type, and your basic situation. The first step is finding out whether there is a practical path forward.
Financing guides
Practical, Canadian content tied to real buyer decisions.
NewAlberta Equipment Loan & Lease Rates: 6.5%–22% (August 2026)
Alberta equipment loan and lease rates in August 2026 run 6.5–22% by credit tier. The rate is national — what changes is 5% GST and the road-ban calendar.
How Many Hours Is Too Many on a Telehandler?
No lender posts a hard hours cutoff on a telehandler — and hours are a weak gauge on a lift machine. The boom and how it was loaded tell the real story.
How Many Hours Is Too Many on a Backhoe?
No lender posts a hard hours cutoff on a backhoe — and it's two machines on one meter, the loader and hoe ends wearing separately. How to read it.
Human trust
A real person looks at your situation.
Darrell Pardy
Equipment financing contact
Canada-wide heavy equipment financing support for buyers who need more than a bank form.
“IronFinance exists for the contractor who found the machine, knows it can make money, but needs a realistic financing path to get the deal done.”
Find the equipment, send the basics, and get a straight read on whether the deal can be structured.
FAQ
Questions buyers ask before applying.
Can I apply if my bank already said no?
Yes. A bank decline does not always mean the file is impossible. The equipment type, down payment, seller, credit profile, and business situation all matter.
Do you finance used equipment?
Yes. Used equipment is a major part of the heavy equipment market. Machine age, condition, value, and seller paperwork all matter.
Can private-sale equipment be financed?
Often, yes. Private sales usually need extra attention around ownership, liens, invoice details, serial numbers, and seller information.
Is this only for Alberta?
No. IronFinance arranges equipment financing Canada-wide, with province- and industry-specific guidance where it helps.