Oilfield & trucking shop, yard & warehouse mortgages.
Financing for the businesses that keep the oil patch moving — oilfield service shops, trucking terminals and fleet yards, plus the manufacturers and warehouse operators using the same buildings across Alberta, northeast BC, and Saskatchewan. Owner-occupied or investment.
An oilfield service shop and yard is a specialized asset — single-industry income, small-town or remote locations, and environmental factors that make most bank branches nervous. Drive through Clairmont's industrial parks outside Grande Prairie and you'll see the asset class street after street: truck shops with drive-through bays, heavy-duty repair shops, fenced gravel yards — and barely a house in sight. We place these files for a living: matching the shop, the yard, and the operator to the handful of banks, credit unions, and private lenders that actually understand oil-patch real estate. The same lender lanes fund trucking terminals, fleet yards, manufacturing plants, and warehouses — same buildings, same underwriting, same small-town challenges. If your bank passed on the shop, start here.
Shops, yards, and the sites in between.
The typical file looks like the buildings you see across Clairmont, Nisku, and the Hat: a 110-ft shop with three to six drive-through bays, a wash bay, the company's own trucking bays, office space with a parts mezzanine above — all on one to ten acres of fenced, gravelled yard.
Shops for well servicing, wireline, coil, hydrovac, pressure, rental, frac-sand hauling, fluid and water hauling, and oilfield trucking companies.
Shops and yards for crane, picker, bed-truck, and winch-tractor fleets — plus lowbed, multi-axle, and pilot operations.
Fenced, gravelled and serviced yards for pipe, iron, equipment, and frac-sand storage or transload.
Truck and rig parking, dispatch and cross-dock space, wash bays, and maintenance shops for highway and vac-truck fleets.
Heavy-duty truck and equipment repair shops — Super-B-friendly 110-ft drive-through bays, overhead cranes, and welding/fabrication space.
Production space, warehousing, and distribution buildings — plus industrial strata bays in Nisku, Clairmont, Acheson, and beyond.
The building your service company operates from — financed on the business, not just the property.
Camp, lodge, and crew-accommodation assets tied to resource projects.
CNC and machine shops for downhole tools and pump parts, plus sandblasting bays and paint booths.
Mat manufacturing, rental fleets, and mat storage yards.
Shops and yards for oilfield general contractors — dirt work, pads, lease roads, and gravel fleets.
Truck and trailer sales lots, parts warehouses, and commercial tire bays.
Vac and waste transfer, bin yards, and oilfield waste-management facilities.
Dealerships, repair shops, and yards for ag equipment, custom harvesting, grain and livestock hauling, and seed or fertilizer retail — the same buildings, farm side.
Assets in resource towns most lenders won't touch — our specialty.
Three ways to fund an oilfield property.
The right lane depends on your financials, the location, and the timeline. We size every file against all three before recommending one.
Cheapest capital. Needs full financials, an environmental Phase I (fuel, wash bays, historic use), and net-worth/liquidity coverage. The key is a regional lender with genuine oil-patch appetite — most big banks decline single-industry, small-town assets.
Blends the company's cash flow with the real estate so a growing service business can own its premises instead of renting. CSBFP/SBL programs can extend leverage on qualifying owner-occupied deals.
For deals a bank can't close fast enough or won't touch — a remote town, a service company between contracts, or a site needing cleanup or lease-up. Paid out by a refinance to conventional or a sale once stabilized.
Rates, ratios, and leverage are typical ranges for illustration and depend on the asset, the operator, and market conditions. Run the numbers with our commercial mortgage payment calculator and cap rate calculator, then we confirm your file's numbers in writing.
Oilfield towns across AB, BC & SK.
Based in Metro Vancouver and financing oil-patch real estate right across Western Canada — from the Peace to the oil sands to the southeast Saskatchewan fields.
Don't see your town? If it's in the Western Canadian oil patch, we can almost certainly help — just ask.
Common oilfield-financing questions.
Can I get a mortgage on an oilfield shop and yard in Alberta or BC?+
Yes. Financing for oilfield service shops, equipment yards, laydown, and industrial sites is available across the Alberta, northeast BC, and Saskatchewan oil patch — owner-occupied or as an investment. The keys are the operator's financials, the property's condition and environmental profile, and finding a lender with genuine oil-patch appetite, which is exactly where a specialist broker earns their keep.
How much down payment do I need for an oilfield commercial property?+
Conventional lenders typically want 25–35% down (65–75% loan-to-value): closer to 25% on owner-occupied premises and around 35% on a pure yard or industrial site. Private capital can stretch to roughly 65–75% of value when speed or location rules out a bank.
Why do banks decline oilfield shop and yard mortgages?+
Three reasons usually: single-industry income tied to the oil cycle, small-town or remote locations with thin sales comparables, and environmental exposure (fuel storage, wash bays, historic industrial use). None of these are dealbreakers — they just need a lender who understands the asset and a clean environmental story, which we help put together.
Do I need an environmental report (Phase I / Phase II)?+
Almost always a Phase I Environmental Site Assessment, and sometimes a Phase II if the Phase I flags fuel, chemical, or historic-use risk. Above-ground fuel tanks, wash bays, and prior industrial activity are common triggers. We line this up early because it usually sets the closing timeline.
Can I finance the shop on my business's income instead of a tenant?+
Yes — that's an owner-occupied commercial mortgage. The lender blends your oilfield service company's cash flow with the property (and any yard-lease income) so a growing operator can own its premises rather than rent. CSBFP/SBL programs can extend leverage on qualifying owner-occupied deals.
Do you finance trucking terminals, manufacturing, and warehouse buildings too?+
Yes. Trucking terminals, fleet yards, cross-dock and dispatch facilities, manufacturing plants, and warehouses use the same buildings and the same lender lanes as oilfield shops — bank/credit-union conventional, owner-occupied on the business's cash flow, or private capital. If your company runs trucks or production out of a shop with a yard, the financing works the same way.
Can you finance in remote or small oil-patch towns?+
Yes — remote and small-town assets are a core part of what we do. From Grande Prairie and Fort St. John to Fort McMurray, Nisku, Estevan, and beyond, we work with regional lenders and private capital that will fund locations the big banks won't.
How long does an oilfield commercial mortgage take to close?+
Plan on 45–75 days for a conventional commercial mortgage — the environmental Phase I and appraisal usually set the pace — and 10–25 days for a private bridge with an appraisal already in hand.
Financing an oilfield property? Have these ready.
A complete package gets a term sheet weeks faster. Forward this list to your accountant, or have them call us directly.
- Last 2 years financial statements — property and the operating oilfield service company
- Current rent roll or yard-lease agreements (if any tenants)
- T1s/T2s and Notices of Assessment for all sponsors / guarantors
- Personal net-worth statement per sponsor
- Environmental Phase I (and Phase II if required) — we can order
- Recent commercial appraisal — we can order
- Purchase contract or existing mortgage payout statement
- Corporate structure / org chart (holdco / opco)
- Site-services summary — power, water, fencing, gravel, fuel storage, wash bays
Bank passed on the shop? Start here.
Tell us about the property and the operator — owner-occupied or investment, anywhere in the Western Canadian oil patch — and we'll tell you quickly which lane fits.