Customer financing
Third-party lenders and brokers that can finance buyers of Haul 'Er Back trailers. This is not company capital — it is consumer / commercial credit offered at checkout once we are set up as a dealer merchant.
What this page is: a recommended stack for Ottawa enclosed-trailer sales (retail buyers, weaker-credit buyers, and contractor lease-to-own). Exact dealer fees and minimum years-in-business were mostly unpublished — confirm with each lender when you apply.
Prerequisites before you apply
- Ontario business registration (sole prop name or corporation)
- Class A garage licence (trailers)
- Business bank account + void cheque
- Government ID
- Sample invoice and an NSM / compliance plan (lenders want to see you can legally sell completed units)
Recommended stack
| Partner | Best for | Why it fits | Notes |
|---|---|---|---|
| Financeit | Regular retail buyers | Easiest merchant signup; no monthly or transaction fee on the standard program; paid in about 2 business days | Promo rate buy-downs cost a % of the purchase — budget that as a sales expense |
| Prefera Finance | Towable trailers | Terms up to 15 years; published rates from just over 10% to about 28% by credit tier | Prefers established dealers — apply once the shop and Class A licence are live |
| LendCare | Weaker-credit buyers | Any business can apply; approval in a few days; dealer reserve structure | Useful backstop when prime lenders decline |
| National Bank Equipment Finance (formerly CWB National Leasing) | Contractor lease-to-own | Used by Stittsville Trailer in Ottawa; quote-based rates | Strong fit for Jobsite / commercial buyers |
| LeaseLine | Contractor lease-to-own | Also used by Stittsville Trailer; quote-based | Pair with National Bank Equipment Finance for coverage |
| Canada Powersports Financing | Broker backup (Ottawa) | Local broker at 818 Boyd Ave with 20+ lenders | Good overflow when direct dealer programs are slow or decline |
Local reference: Stittsville Trailer finance page (Ottawa-area dealer stack).
Later / check-fit options
| Partner | Fit | Snapshot |
|---|---|---|
| National Bank RV & trailer retail | Later | From about $7,500; terms up to 240 months |
| Desjardins leisure vehicle loan | Later | Up to 20 years for qualifying leisure vehicles |
| Meridian OneCap | Later | Commercial / vendor leasing |
| iFinance | Check first | $500–$40k, from 9.99%, no merchant fee |
| Flexiti | Check first | Point-of-sale consumer credit partnership |
| Alterna Savings Outdoor Adventure Loan | Check first | Credit-union personal loan path for outdoor gear |
Poor fits (skip for now)
- Scotia Dealer Advantage — automotive-dealer oriented
- BMO Dealer Finance — same
- Rifco
- Snap
- Fairstone
- Northlake (site offline at last check)
Next step: finish Ontario registration + Class A garage licence + business banking, then apply to Financeit and LendCare first (fastest merchant setup), Prefera once you look like an established trailer dealer, and National Bank Equipment Finance / LeaseLine for contractor lease quotes. Keep Canada Powersports Financing as the Ottawa broker backup.