Get pre-approved in 24 hours and shop dealer lots, auctions, and private sales knowing exactly what you can spend.
Both get you the equipment. The choice comes down to ownership timing, your situation, and how you want it to sit on your books. Northgate will walk you through both before you decide.
No lengthy intake. No runaround. Tell us what you need and we'll have terms in front of you by tomorrow.
The operators who win at auction — and walk dealer lots with confidence — are the ones who already know their financing is in place. Northgate's pre-approval puts you in the same position as a cash buyer. You know your spending limit, your rate range, and your estimated payment before you make an offer. When you find the unit, we close fast.
Getting Pre-Approved
Dealer & Vendor Purchases
Northgate works directly with equipment dealers and vendors across Western Canada. If your dealer isn't already a Northgate partner, we can have financing in place before you take possession — same terms, same speed.
Auction Financing
Auction houses move fast — sometimes same day. With pre-approval in hand, you can bid and buy knowing the financing is already arranged. We understand auction timelines and structure transactions to close on schedule.
Yes. Northgate offers pre-approval so you know your financing limit before you start shopping. Pre-approval gives you the confidence to bid at auction or negotiate with a dealer knowing your financing is already lined up. There is no credit impact to get pre-qualified, and pre-approvals are typically valid for 60 to 90 days.
Yes. Auction financing is one of Northgate's specialties. Auction purchases move fast — payment is typically required within 24 to 48 hours of the hammer dropping. Northgate arranges financing that can close on that timeline so you don't miss a deal. We work with Ritchie Bros., IronPlanet, Purple Wave, and private auctions across Western Canada.
Private sale financing works similarly to dealer financing. You bring Northgate the details — seller name, equipment info, asking price — and we structure a transaction that pays the seller directly while you make payments on a lease or loan. We handle all the documentation and title transfer coordination so you and the seller can close cleanly.
With a pre-approval already in place, dealer transactions can close in as little as 24 to 48 hours. From a fresh application, most dealer deals close within 2 to 5 business days. Northgate works directly with dealers across Western Canada and can expedite documentation to match the dealer's timeline.
Talk to Northgate — no obligation, no lengthy forms, just a conversation about what you need.
24-hour response · No obligation
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