Fast-track tier — up to
$150,000
Financing structured for your immediate needs, subject to eligibility.
Financing — Transport and logistics
Financing for carriers.
Trucks, trailers, fleets: the vehicle is not an expense, it is the tool that generates your revenue. We structure its financing around your contracts and your seasonality.
Ceneris Conseils is an advisory firm, not a direct lender. The approval decision rests with the financial partners; no financing, rate or timeline is guaranteed.
A transportation business lives by its assets: a truck sitting idle is revenue that stops; a hauling contract won without the equipment to serve it is an opportunity that goes to a competitor. Between fuel, maintenance, insurance and shippers' payment terms, a carrier's margin is shaped as much by its financing structure as by the road.
Financial partners do not assess a fleet the way they would a pool of cars: they look at the age and condition of the units, the contracts that keep them rolling and the stability of your revenue. Our job is to present your business from that angle — units, contracts, seasonality — in a file that demonstrates that each financed vehicle produces the revenue that repays it.
The three tiers
Three tiers, one well-built file.
Partner tier — up to
$1,000,000
Larger financing presented to our financial partners, with Ceneris acting as intermediary.
Bank tier
Several million $
Major commercial loans structured with the banks for your largest projects.
Ceneris Conseils is an advisory firm, not a direct lender. The approval decision rests with the financial partners; no financing, rate or timeline is guaranteed.
Typical needs
The needs we see most often.
- Trucks and highway tractors — adding or replacing units, new or used, to serve a contract or renew the fleet.
- Trailers and specialized equipment — dry vans, flatbeds, tankers, loading equipment.
- Fleet growth — moving from a few units to a structured fleet, in steps aligned with your real contracts.
- Operating working capital — fuel, maintenance, major repairs and shippers' payment terms.
- Unit refinancing — rebalancing payments taken on in a hurry when the numbers justify it.
Our role
What Ceneris structures for you.
We build your file unit by unit and contract by contract: what each vehicle earns, what it costs, and what the requested financing changes in your capacity. Depending on the scale — a fast-track need for one unit, growing a fleet through our financial partners, with Ceneris acting as intermediary, or a major acquisition structured with the banks — your request is presented at the tier and to the partner that match your carrier profile, including our financial partner Merchant Growth when the need fits.
Process
Support in four steps.
1
The conversation
You describe your units, your contracts and the need; we sincerely tell you how the file looks.
2
The structured file
Target vehicles, the contracts that keep them rolling and demonstrated revenue, presented the way an analyst thinks.
3
The presentation
Your file is submitted to the partners who finance transportation and match your profile.
4
The follow-up
We follow the progress with you, right through to the financial partner's decision.
FAQ
Frequently asked questions — transport.
Do you finance used trucks?
Yes, requests can cover new or used units; what matters is the unit's condition, its value and the revenue it generates on your contracts. We structure the file accordingly.
We just won a contract that requires more units. Where do we start?
With the contract: it is what demonstrates the revenue. We structure the request from your agreements and your operating numbers, ideally before the purchase, so you negotiate your equipment from a position of strength.
Can an owner-operator with a single truck be supported?
We assess each situation at the first conversation, frankly: a fleet file and a single-operator file are not structured the same way, and some partners have specific criteria on this. If your request does not fit our support, we will tell you directly.
Your trucks need to roll. So does your file.
Talk to an advisor: 514-448-3727, ext. 102 — or submit your request online: seven fields, no banking documents at this stage.
An advisory firm, not a direct lender. Financing subject to eligibility; no financing, rate or timeline is guaranteed.