Bought at auction. Financed before you bid.
Get pre-approved for equipment financing before sale day, then use it at any auction in Canada, whether or not the auction house offers its own financing. Capital leases from $0 down, with decisions in 24–48 hours.
- $0 down on qualifying leases
- Approvals valid 30–90 days
- Works at every Canadian auction
Request your pre-approval
Takes about two minutes. No obligation to bid or buy.
From pre-approval to picking up your equipment
Auction day moves fast. Getting your financing sorted first means you're bidding on price, not scrambling for funding after you've won a lot.
Apply before the sale
Tell us your industry, budget, and roughly what you're shopping for. No specific lot required yet.
Get pre-approved
Most businesses hear back in 24–48 hours. Approvals stay valid for 30–90 days, so you're covered across more than one sale date.
Bid with confidence
Your pre-approval isn't locked to one asset, so you can adjust if the lot or price changes at the sale.
We fund the purchase
Win the lot, send us the invoice, and we finalize the lease or loan directly with the auction house.
If it's sold at auction, we can likely finance it
Construction, mining, oil and gas, agricultural, and transportation equipment, new or used.
One approval, any auction across Canada
Your pre-approval isn't tied to a single seller. Use it wherever the equipment you need comes up for sale, including:
AuctionFinance.ca is an independent equipment financing broker and is not affiliated with, sponsored by, or endorsed by the auction companies named above. Names are shown to indicate where our financing can be used.
Why businesses finance through us instead of the auction floor
Capital leases from $0 down
Lease-to-own structures for qualified buyers mean you can preserve working capital instead of tying it up in a down payment. If cash down isn't an option, equipment you already own can sometimes be used as collateral instead.
Quick approvals
24–48 hour turnaround on most applications, built around how fast auction inventory and sale dates actually move.
All industries, all of Canada
Construction, mining, oil and gas, agriculture, and transportation businesses anywhere in the country, not limited to one region or sector.
A real lender network
Brokered through Lease Link Capital Corp, a Credicor Company, with access to 30+ lenders to find the right fit rather than a single in-house rate.
Own it at the end
Our capital leases work like rent-to-own: fixed payments now, and the equipment is yours outright once the term is up.
Proven track record
We've helped thousands of Canadian businesses get financing in place, many of them buying at auction, just like you.
One pre-approval covers you for up to 90 days
Shop more than one sale, compare lots, and bid when the right machine comes up. Your financing is ready when you are.
- 24–48hTypical time to a financing decision
- 30–90Days your approval stays valid
- $0Down on qualifying capital leases
Financing equipment from auction
Straight answers to what buyers ask us most.
Talk to a financing specialist
Have a lot in mind or a sale coming up? Call and we'll walk through your options.
Call (604) 982-3023Can I finance equipment I buy at an auction in Canada?
Yes. You can get pre-approved for equipment financing before an auction and use it at any Canadian auction house, whether or not that auction offers its own in-house financing. Because AuctionFinance.ca is an independent broker, your pre-approval isn't tied to one seller.
Do I need a down payment?
Not necessarily. Qualified buyers can arrange capital leases (lease-to-own) with as little as $0 down, depending on the business's credit profile and the equipment being financed. If a down payment is required, equipment you already own can sometimes be used as collateral instead of cash.
How fast can I get pre-approved before an auction?
Most pre-approvals are turned around in 24 to 48 hours, and stay valid for 30 to 90 days. Pre-approval is built to be flexible on the exact asset and final price, not locked to one specific lot, since bidding can change quickly.
What kind of equipment can be financed from an auction?
Excavators, dump trucks, rock trucks, skid steers, wheel loaders, dozers, highway tractors, trailers, drill rigs, cranes, and most other construction, mining, oil and gas, agricultural, and transportation equipment sold at auction.
Can I use this at Ritchie Bros, IronPlanet, or other auction houses?
Yes. AuctionFinance.ca works independently of any single auction house, so a pre-approval can be used at Ritchie Bros, IronPlanet, EquipmentFacts, Kramer Auctions, Team Auctions, or any other auction across Canada. AuctionFinance.ca is not affiliated with or endorsed by these companies.
What's the difference between this and financing through the auction house?
A capital lease, or lease-to-own, structures the purchase as fixed payments with ownership at the end of the term, often with less money down than a traditional loan. Working with an independent broker also means the financing isn't limited to equipment sold by one specific auction house.
Does this work outside Western Canada?
Yes. While auction volume is heaviest in Alberta, Saskatchewan, and BC, AuctionFinance.ca can finance equipment for businesses anywhere in Canada, brokered through Lease Link Capital Corp with access to a network of 30+ lenders.
Get your financing sorted before the gavel drops.
Pre-approvals in 24–48 hours, valid for 30–90 days.