In an era marked by rising operational costs and shifting credit environments, small and mid-sized businesses in British Columbia and Alberta are seeking smarter, leaner ways to acquire the assets they need to operate. One trend gaining serious traction in 2025? Bundled leasing—where companies lease both equipment and vehicles under a single, flexible agreement.
Changing Conditions, New Strategies
High interest rates, tighter credit policies, and unpredictable tariffs have made it more difficult for SMEs to navigate capital-intensive purchases. To stay agile, many are bundling their heavy equipment leasing with truck and trailer financing—spreading costs and preserving working capital. At Sandhu & Sran, we’ve seen a noticeable shift in demand from businesses in Abbotsford, Surrey, and Edmonton seeking bundled packages across construction, transportation, and agriculture sectors.
This model is especially useful for SMEs that rely on both specialized machinery and transportation assets. Instead of managing multiple vendors and contracts, bundled leasing simplifies procurement, improves cash flow predictability, and often comes with more favourable terms.
Why Bundling Is on the Rise in 2025
Several industry trends are fuelling the bundling movement:
- Integrated Fleet Needs: Businesses operating in logistics, construction, and farming often require trucks, trailers, and on-site equipment. Bundling eliminates friction across procurement and operations.
- Faster Approval and Better Terms: Lenders are responding positively to businesses consolidating leases, as it reduces overall risk exposure. This means quicker turnaround times and more competitive rates—especially for those with solid financials or long-term growth plans.
- Lower Upfront Costs: Bundled leases allow for minimal initial payments compared to buying, particularly when used in tandem with flexible lease types.
- Administrative Ease: Managing a single leasing relationship and payment structure simplifies accounting and asset tracking—critical for growing SMEs.
Related reading: Top 3 Reasons to Lease Trucks for Your Business
Local Momentum: What BC and Alberta SMEs Are Doing
From our experience as a financing partner for SMEs in BC and Alberta, the bundling strategy is resonating across sectors:
- Construction firms in Surrey are pairing excavators, skid steers, and dump trucks in a single leasing package to accelerate project mobilization.
- Agri-businesses in the Fraser Valley are leasing tractors and refrigerated transport trailers together to better handle peak season demands.
- Logistics operators in Edmonton are bundling dry vans, reefer units, and warehouse equipment under a multi-asset lease to scale quickly.
Related reading: Flexible Leasing Options for Heavy Machinery
These businesses are not only gaining financial flexibility, but also reducing administrative complexity—a win-win in uncertain times.
When It Makes the Most Sense to Bundle
While not all businesses will benefit equally, bundling is particularly effective in the following scenarios:
- Businesses expanding operations or scaling into new markets
- Companies with recurring or seasonal demand for both vehicles and machinery
- SMEs seeking to avoid large capital expenditures but still needing new assets
It’s also ideal for businesses who want to take advantage of equipment financing and truck loans without tying up their credit lines.
Related reading: How to Get Approved for Equipment Leasing in Canada
Lease Structures That Make Bundling Work
When it comes to bundled leasing, flexibility is key. BC and Alberta businesses are leveraging several smart lease structures to tailor their agreements:
- Operating Leases: Perfect for businesses that prioritize lower monthly payments and plan to upgrade assets frequently. These leases are commonly used for seasonal equipment paired with transportation assets.
- Capital Leases: Ideal for companies planning to own the equipment at the end of the term. Bundling under this model can create a clear path to ownership while maintaining working capital.
- Master Lease Agreements: A single umbrella lease that allows you to add equipment or vehicles over time. This is especially valuable for companies scaling operations across multiple projects or regions.
Related reading: What Does Equipment Leasing Contract Cover?
Related reading: Unlocking Resilience: How Multi-Year Master Leasing Agreements Are Transforming Canadian SMEs
Key Considerations Before Bundling
Bundled leases are not one-size-fits-all. Here’s what to review before signing:
- Equipment Lifecycle: Pairing assets with vastly different lifespans (e.g., a trailer and a telehandler) may not be efficient. Evaluate how long you intend to use each asset.
- Usage Patterns: Ensure usage across bundled assets is similar. If one asset is idle while others are in full use, the cost-benefit equation may suffer.
- End-of-Term Options: Some agreements offer asset swapping or buyouts at the end. Make sure you understand your flexibility and obligations.
- Credit Profile: Strong credit can unlock better terms. For newer businesses or those with limited credit history, consult your lease advisor to build a tailored strategy.
Related reading: Improve Your Credit Score Before Applying an Equipment Loan
Related reading: 5 Must-Have Requirements for Truck Loan in Abbotsford
Why This Matters Now: Local Economic Trends
The decision to bundle is often a response to economic realities. With the Bank of Canada recently lowering the policy rate to 2.5%, financing has become more accessible. At the same time, businesses are using this window to secure lease agreements before potential Q4 volatility.
In the Surrey construction sector, businesses are locking in equipment-truck bundles to meet aggressive project deadlines. In Abbotsford, transport operators are taking advantage of low-interest packages to refresh aging fleets while upgrading loading equipment.
Related reading: How Lower Interest Rates Are Reshaping Equipment Financing for BC & Alberta SMEs in Late 2025
Conclusion: A Smart Strategy for Forward-Looking SMEs
For BC and Alberta businesses aiming to streamline operations, reduce capital strain, and gain strategic flexibility, bundled leasing presents a compelling option. It simplifies procurement, provides cost control, and positions companies to scale with confidence—even in uncertain market conditions.
As your equipment funding expert and trusted leasing partner, Sandhu & Sran is here to help you assess the right bundled leasing model—whether for tractors and trailers, excavators and flatbeds, or any combination unique to your operation.
Frequently Asked Questions (FAQs)
1. What types of equipment and vehicles can I bundle in a lease?
You can bundle a wide range of assets, including trucks, trailers, construction machinery, and agricultural equipment—provided their lifecycles and usage align.
2. Is it cheaper to bundle equipment and vehicle leases?
Yes, many businesses see lower combined payments, reduced administrative costs, and better lease terms when bundling assets.
3. Can I bundle new and used equipment in a lease?
Yes. Leasing both new and used assets together is possible, though it may affect terms. Talk to your lease advisor for optimal structuring.
4. Do I need a strong credit score to qualify for bundled leasing?
Stronger credit improves your options, but even SMEs with weaker profiles can access bundled leases through specialized financing partners like Sandhu & Sran.
5. What happens if I want to return or upgrade one asset in the bundle?
Depending on the lease agreement, you may have options to upgrade, replace, or buy out individual assets. This flexibility should be negotiated upfront.
Ready to Explore a Bundled Leasing Solution?
If you’re operating in Abbotsford, Surrey, Greater Vancouver, Edmonton, or anywhere across BC and Alberta, Sandhu & Sran Leasing & Financing can help you craft a bundled lease solution tailored to your sector and cash flow needs.
Let’s talk — Contact us today to learn how bundling can unlock real value for your business.