truck and trailer financing

Find the Perfect Finance, Lease or Insurance Product for You.

Here at RJames Management Group, we know that financing your equipment is one of the biggest decisions you’ll have to make. That’s why we want to provide you clear and concise information and the tools to assist with this decision. This gives you complete control of your options.

RJames Management Group Ltd. has become one of the most diverse truck and trailer dealerships in Western Canada. We offer a full range of truck and trailer financing options, from commercial retail to full maintenance leasing and rental purchase plans. If you want to grow your business, either on or off the balance sheet, RJames Management Group Ltd. can meet all your financing requirements.

Our in-house lease company, Trailwood Enterprises Ltd., has grown to become one of the largest lease companies in the transport market of BC.

We also offer:


Daimler Truck Financial                       Financing and Lease Products


Conditional Sale Contract with a Fixed Rate
We offer this conventional way of financing equipment that works with your monthly budget. This financing method offers you the following benefits:
fixed monthly payment for the entire term of the loan
locked-in interest rate
no early payout or prepayment penalties


Irregular Payment Financing
As part of our Conditional Sale Contract, we offer even more options and flexibility to meet your specific needs. Some of our Irregular Payment Financing options are:
balloon taxes in the fourth payment
seasonal and skip payments
balloon payment at the end of term
accelerated payments

Capital Lease

Leasing can be an attractive way to secure the financing of your equipment from a cash flow standpoint. It must be done through a finance partner that you can trust and rely on – we are that partner and can provide you with these leasing benefits:
monthly payment is lower than typical financing
full disclosure of payment terms and options
residual known in advance, at time of lease contract
fixed payments
The leasing option is typically the most affordable option in terms of monthly payments, and may be a financial advantage for many truck operators


Option Lease
This unique lease program, dedicated to fleet only, meets many key requirements of today’s fleet business:
lower monthly payment
guaranteed residual by Daimler Trucks NA, reducing exposure
potentially qualifies as an Operating Lease ( “off-balance sheet” )
Fleet Customer Financing Options
Our experience in the trucking industry and our flexibility as a captive finance company make us ideally suited to provide solutions for fleets. From the growing start-up, to the booming fleet of 1,000, our fleet professionals understand your business and look beyond a balance sheet to better understand your needs and how we can contribute to achieving your goals.
We offer creative options and competitive rates. We’ll show you how to establish a credit line structure to handle multiple draw-downs, a variety of equipment types, or payment arrangements to match your cash flow requirements. All this is done face-to-face with a fleet credit expert who works with you to tailor a financial package that satisfies your needs.


Vocational Customer Financing Options
Specialty vehicle operators require a very special finance partner – Daimler Truck Financial. We understand the unique needs of the vocational industry and have assisted vocational buyers with financing packages for years. Whether you’re looking for a dump truck or heavy-haul tractor, we have the finance solution for your needs – to let you and your organization move on to the work at hand.
Daimler Truck Financial offers a variety of finance programs for your vocational truck. Loans and leases can be structured to include financing of the chassis and added equipment. For those customers with seasonal business, irregular payment plans can be structured to coincide with your peak cash flow months.
It all starts with what you need. We have expert credit teams that can look at your business and find flexible solutions. Let us know the needs of your business, and we’ll work with you to finance your new equipment.


Municipal Customer Financing Options
If you need financing for emergency vehicles, school buses, Daimler Truck Financial is your best financing source.
We work with government agencies and municipalities to help meet your capital and operating budget needs.
We offer you leases at low, competitive rates and we can meet any retail financing requirements through our variety of retail finance products. Various contract terms, advances and payment structures can be developed to provide you with the right financing solution.
Ask your local dealer to bring in their Daimler Truck Financial representative to structure a finance package that helps you determine the best way to manage your budget.


Credit Insurance & GAP, Down Payment, and Deductible Coverage 
Your recent equipment purchase is a large financial commitment, but one that is necessary for your livelihood and your family’s financial well being. Sometimes unexpected challenges arise that may prevent you from getting behind the wheel and you need to be prepared.
Loan repayment protection is the best and most affordable way to ensure your loan payments are made when you are not in the driver’s seat. It’s a financial safety net for you and the people who depend on you, when there’s a financial breakdown.

Life & Disability Insurance

CREDITOR LIFE INSURANCE pays the outstanding balance on the Insured Loan at the date of death or accidental dismemberment.
ACCIDENTAL DISMEMBERMENT pays off loan/lease balance in the event of: 1. Loss of both hands or feet 2. Loss of sight in both eyes 3. Any combination of 1 or 2 above
CREDITOR DISABILITY INSURANCE covers the Insured Monthly Payment if total disability is caused by injury (if insured with Accidental Disability Insurance) or if total disability is caused by injury or sickness (if insured with Accident & Sickness Insurance). Coverage can be purchased for 6,12 month or full-term protection.
CRITICAL ILLNESS pays off your loan/lease balance based on diagnosis of: 1. Life-threatening cancer 2. Heart attack 3. Coronary by-pass surgery 4. Major organ failure
GAP, Down Payment, and Deductible Coverage TruckSide Assistance and Accident Downtime Coverage
The group of debt waiver products are an important component to consider when entering into a new equipment loan or lease. These products take over where your insurance leaves off.
Guaranteed Asset Protection (GAP) When buying a new vehicle, put your mind at ease with GAP. If your vehicle is a total loss due to theft, fire or accidental damage, the difference between your vehicle insurance company’s payment and the balance of your loan will be covered.
Down Payment Waiver For borrowers with good credit, Down Payment reimbursement may also be available to further protect your financial investment in your equipment making the purchase of a replacement vehicle very easy.
Deductible Protection In the event of a total loss, you may be eligible to apply a credit of up to $2,500 toward the replacement purchase of your equipment.
TruckSide Assistance * Get out-of-service equipment back on the road as soon as possible. It’s something you hope never happens to you and your equipment – forced down time due to a breakdown. And it’s where TruckSide Assistance* can help you, immediately. This protection offers:
24 / 7 Roadside Assistance, anywhere in North America
Access to the Freightliner / Daimler Service Network
Preferred TruckSide Assistance rates at over 16,000 Service Providers
Legal Assistance
Driver Replacement Services
Identity Theft Protection
Hazardous Weather Benefit
Trip Interruption expense reimbursement
Accident Downtime * Accident Downtime Coverage is an affordable and convenient solution to protect your equipment. If your truck is in the repair shop due to a traffic accident, upset, fire and/or vandalism, Accident Downtime Coverage will cover your lease/finance payments, up to four months, to a maximum of $20,000.
*NAL Insurance Inc. and NAL Administrative Services together are one of the largest roadside warranty and insurance providers in the transportation industry today. NAL Insurance has protected drivers and their assets for over 50 years, providing benefit options for owner/operators, company drivers and fleets.


For more information on any of these products, please contact Glenn Gadsby at RJames Management Group LTD. 250-374-1431 or


Contact us for your financing needs

Glenn Gadsby

Business Manager