Equipment Financing Built for Construction

Northgate finances the full range of construction equipment including excavators, wheel loaders, bulldozers, motor graders, scrapers, compactors, cranes, boom lifts, concrete equipment, and support vehicles. New, used, dealer, auction, and private sale transactions are all eligible. We finance equipment across Alberta, BC, Saskatchewan, and Manitoba.

Yes. Auction financing is available for construction equipment purchased at Ritchie Bros., IronPlanet, Purple Wave, and other auction platforms. Because auction transactions typically require payment within 24 to 48 hours, Northgate specializes in fast-close financing — often processing approvals the same day as the auction. Pre-approval before the sale is strongly recommended.

For contractors scaling their fleet, Northgate structures financing to match project cash flow. Capital leases build ownership, operating leases keep payments lower, and sale-leasebacks on existing equipment can free up cash for a new purchase. We work with lenders who understand seasonal revenue patterns, bonding requirements, and the realities of the construction industry.

There is no minimum credit score requirement to apply. Northgate works with all credit profiles — from strong commercial credit to challenged or startup situations. Even with past credit issues, many contractors qualify through lenders in our network who specialize in non-prime equipment financing.

Northgate finances the full range of farm and agricultural equipment including combines, tractors, seeders, sprayers, swathers, headers, tillage equipment, and grain handling systems. We finance both new and used ag equipment purchased from dealers, at auction, or through private sales anywhere in Western Canada.

Yes. Northgate works with lenders who understand the seasonal nature of agricultural income. Financing can be structured with seasonal payment schedules — lower payments during the growing season and higher payments post-harvest — to match your actual cash flow. This is sometimes called a skip-payment or seasonal payment structure.

Get pre-approved with Northgate before the auction. We'll set a financing limit based on your application so you can bid with confidence. After the auction, send us the winning bid details and we'll coordinate payment directly with the auction house — typically within 24 to 48 hours of the sale.

Yes. If you own farm equipment outright — a combine, tractor, or other high-value machinery — Northgate can arrange a sale-leaseback to unlock that equity as cash. You sell the equipment to a lender and lease it back immediately, continuing to use it through harvest.

Northgate finances skidders, feller bunchers, harvesters, forwarders, processors, delimbers, chippers, and logging trucks. We work with both new and used forestry equipment, including machines purchased at auction or through private sales. Our lenders understand the working conditions and depreciation patterns specific to forestry machinery.

Forestry equipment can be more challenging to finance through traditional banks because the machinery is highly specialized. Northgate works with lenders who specialize in forestry and resource equipment — meaning better approval rates, realistic valuations, and terms built around how logging operations actually generate revenue.

Yes. Northgate regularly finances used forestry equipment including older feller bunchers, skidders, and processors. We have access to lenders who are comfortable with well-maintained used forestry machines that banks would decline. An inspection or appraisal may be required for older or high-value pieces.

Northgate can structure forestry equipment financing with flexible payment schedules — including deferred payments, skip months, or step-up structures that increase payments as a new contract ramps up.

Northgate finances vacuum trucks, picker trucks, hydrovac units, pressure trucks, fluid haulers, wireline units, workover rigs, and other oilfield service equipment. We work with both new and used units, including purchases from dealers, auctions, and private sellers across Alberta and the Western Canadian oil patch.

It can be more challenging through traditional banks, which often reduce appetite for oilfield lending when commodity prices fall. Northgate works with lenders who have a long-term view of the oil patch. Factors like your contract backlog, client list, and equipment quality matter more to our lenders than the day's oil price.

Yes. Vacuum trucks and hydrovac units are among the most commonly financed pieces of oilfield equipment at Northgate. Both new and used units are eligible. Our lenders understand the market valuation for this equipment — meaning more realistic financing terms than a generic bank lender would offer.

New oilfield service businesses can qualify, particularly when the owner has relevant industry experience, a strong personal credit profile, or a confirmed service contract in hand. A larger down payment often helps bridge the gap for newer operators.

Northgate finances long-haul semi trucks, day cabs, sleeper trucks, tanker trailers, flatdecks, reefers, livestock trailers, car haulers, and other commercial transport equipment. We serve both owner-operators running a single unit and fleet operators managing dozens of vehicles across Western Canada.

Trucking companies can use capital leases to build equity in their fleet, operating leases to keep payments lower, or sale-leasebacks on existing paid-off trucks to generate cash for new acquisitions. Northgate structures each deal around your dispatch model, contract type, and cash flow cycle.

Yes. Northgate has access to lenders who specialize in non-prime transport financing. If you have a haul contract, a CDL, some time in the industry, and can demonstrate the truck will generate income to cover the payment, there are options even with a difficult credit history.

With a complete application, most transport truck deals are approved within 24 to 48 business hours. Dealer transactions can close within 2 to 5 days. Northgate can have a pre-approval letter ready within hours of a completed application.

Northgate finances semi trucks, tankers, flatdecks, lowboys, dump trucks, end dumps, super Bs, B-trains, refrigerated trailers, and specialized transport equipment. We work with new and used units from dealers, auctions, and private sellers across Western Canada. Owner-operators and fleet owners both qualify.

Yes. Northgate works with owner-operators regularly. We have access to lenders who understand the owner-operator model — where the truck itself generates the income that services the payment. Strong haul contracts, a solid driving record, and a reasonable down payment all help.

Submit your application to Northgate with the details of the truck or trailer — year, make, model, mileage, asking price, and the seller's contact info. We'll get you an approval whether it's a dealer sale, private sale, or auction purchase. Lenders typically finance trucks up to 10 to 15 years old.

Yes. Fleet financing is available for operators expanding from one unit to many. Northgate structures fleet deals to minimize monthly outlay while maximizing purchasing power — sometimes using a master lease or umbrella facility that covers multiple units under one approval.