Construction, agriculture, forestry, and oil & gas — Northgate Capital finances heavy equipment across Western Canada with approvals in 24 to 48 hours.
No obligation · Soft credit check only · Pre-approval in as little as 24 hrs
Complete our straightforward financing application online or by phone. We ask for the basics — no 40-page forms, no endless documentation.
Our team reviews your file and presents financing options. We work with a network of lenders to find the best rate and structure for your situation.
Sign the paperwork and take delivery of your equipment. Whether you’re buying from our inventory or a private seller — we handle the financing details.
From single operators to large fleet owners — if it works hard, we finance it.
Excavators, loaders, cranes and more.
Tractors, combines, seeders and harvest equipment.
Skidders, processors, forwarders and chippers.
Vacuum trucks, picker trucks and oilfield equipment.
Semi trucks, trailers, tankers and flatdecks.
Forklifts, boom lifts, telehandlers and scissor lifts.
Why Northgate
We’re not a bank. We’re a financing partner who knows your industry.
$25K – $5M+
Financing range — no deal too small or too large
BC · AB · SK · MB
Western Canada coverage, based in Calgary
All credit
All credit profiles considered — we find a way
Fast Approvals — Not Fast Talk
We give you a real answer within 24–48 hours. Our decision-makers are accessible, not buried in bureaucracy.
We give you a real answer within 24–48 hours. Our decision-makers are accessible, not buried in bureaucracy.
We give you a real answer within 24–48 hours. Our decision-makers are accessible, not buried in bureaucracy.
We give you a real answer within 24–48 hours. Our decision-makers are accessible, not buried in bureaucracy.
Industry-Specific Knowledge
We understand equipment valuations, seasonal cash flow, and the realities of construction, agriculture, and resource work.
Private Lender Network
50+ equipment lenders means more options and better terms than any single bank. We know which lenders close — and which ones don’t.
New, Used & Private Sales
Dealer, private seller, or our own inventory — we structure financing that works for every type of transaction.
All equipment types — New, used, private sale, auction purchase — we handle it all.
Zane got our excavator financed in under 48 hours. We’d been turned down by two banks — he found a lender that understood our business and made it happen. Straightforward, no runaround.
Used Northgate for a capital lease on a new combine. They knew exactly how grain farming cash flow works and structured the payments around harvest. Nobody else was offering that.
Third truck financed through Northgate now. Every time it’s clean and fast. They have lender relationships the banks just don’t have. I send everyone in my fleet to them.
Payment Estimator
Use our estimator to get a ballpark monthly payment — then talk to a specialist to lock in your actual rate.
✔ No obligation — estimate only, rates vary by credit profile
✔ Terms from 12 to 84 months available
✔ Financing for new and used equipment
✔ Decisions as fast as 48 hours
Loan Term
Est. Monthly Payment
Estimate only. Actual rates depend on credit profile, equipment type, and term. OAC.
Apply in minutes. Get a decision in 48 hours. No obligation to proceed.
FAQ
We finance a wide range of commercial equipment including construction machinery, agricultural equipment, forestry machinery, oil & gas equipment, transportation vehicles, and material handling equipment. If it's used in your business operations, we can likely finance it.
Most applications receive a decision within 24–48 business hours. For straightforward requests under $250,000, we often have same-day approvals. Complex deals or larger amounts may take a bit longer, but we'll keep you updated throughout the process.
We work with a range of credit profiles. While stronger credit typically means better rates and terms, we've helped businesses with challenged credit histories secure equipment financing. We look at the full picture of your business — revenue, time in operation, and equipment type — not just your credit score.
Yes. We finance both new and used equipment. Used equipment typically needs to be within a reasonable age range depending on type (usually under 10–15 years), and we may require an inspection or appraisal for older or high-value pieces. Talk to a specialist about your specific equipment.
For most applications you'll need: a completed application form, 2–3 years of business financials or tax returns, a recent bank statement, and details on the equipment (make, model, year, seller). Larger deals may require additional documentation. We'll let you know exactly what's needed once you submit your initial application.
We primarily serve established businesses with 2+ years of operating history. However, we evaluate startups on a case-by-case basis — particularly when the owner has strong personal credit or relevant industry experience. Reach out and we'll let you know what options may be available to you.