Date Published: March 06, 2026 | Last Modified: 1 hour ago | 3 minute read | Verified by Mitchell Bazinet at Redwater Dodge

Get Your Truck Work-Ready Without the Out-of-Pocket Shock

Traditionally, this meant buying a truck and then dropping an additional $10,000 to $20,000 out of pocket at an accessory shop. At Redwater Dodge, we’ve eliminated that friction with our Rig Ready Financing program. We believe you should leave the lot with a truck that is ready to make money on day one, with one single, manageable monthly payment.

How Does Rig Ready Financing Actually Work?

The Rig Ready concept is simple: we roll the cost of your custom accessories and professional installation directly into your primary vehicle financing. By including your upfits, like slip tanks, custom bumpers, and high-performance lighting, in the initial loan, you preserve your liquid cash for other business expenses.

Is Commercial Financing Different from Personal Financing?

If you are purchasing a truck under a business name, the approval process shifts. While personal credit is often a factor, the primary focus is on the business’s financial health, time in operation, and revenue stream. Commercial terms often provide more flexibility than personal loans, including:

Different Amortization Periods: Stretching the loan to match the expected service life of the vehicle.

Business-Centric Terms: Rates and approvals designed for the unique needs of contractors and fleet owners.

Flexible Payments for Seasonal Industries

We understand that in industries like forestry, oil & gas, or seasonal landscaping, your income isn't a flat line, it’s a series of peaks and valleys. If your revenue is "up and down" throughout the year, our finance team can structure Seasonal Payment Options. This means your higher-revenue months do the heavy lifting, while your payments are significantly reduced during the slower seasons. It’s financing that matches the way you actually get paid.

What Documentation Do I Need to Bring?

Moving from an employee with a pay stub to a business owner requires a slight shift in paperwork. To streamline your approval, be prepared to provide:

1. Company Information: Incorporation papers or business registration.
2. Time in Business: Proof of how long your company has been operating.
3. Financial Statements: Depending on the loan size, recent tax filings or internal profit/loss statements may be requested.

With Mitch at Redwater Dodge, it is our goal to take the complicated out of the equation. We’re here to help you build the tool you need to succeed.

Additional Questions & Answers

Q1. Does adding accessories under Rig Ready financing affect my factory warranty?

A1. No. When you use our Rig Ready program, all accessories are professionally installed. We ensure that your upfits are compatible with your Ram’s factory specifications, maintaining your 3-year/36,000-mile (or 5-year/100,000-km) powertrain warranty coverage.

Q2. Can I trade in my current "work-in-progress" truck?

A2. Absolutely. We accept trades of all kinds. If you have a truck that is partially rigged out, we can assess its value—accessories included—and apply that equity toward your new, fully-equipped Rig Ready build.

Q3. Are there tax benefits to financing a Rig Ready truck under my business?

A3. In many cases, yes. Financing a vehicle for business use often allows for Capital Cost Allowance (CCA) deductions. Because the accessories are included in the total purchase price, they are typically depreciated alongside the vehicle. Always consult with your tax professional for specific advice.