Mile Marker 45 – Heather Heggie on Mack Financial Services Canada, Truck Financing, and Building Long Term Relationships

In this episode, we sit down with Heather Heggie, Managing Director of Mack Financial Services in Canada, to talk about the part of trucking that most people only think about when it is time to buy. Financing. Heather explains why commercial truck financing is fundamentally different from automotive lending, and why the best outcomes come from treating it like a relationship, not a transaction.

Heather shares how she grew up around dealerships, built a career rooted in customer service, and spent more than two decades in the transportation finance world. She breaks down how Mack Financial Services works alongside dealers and the brand to tailor solutions that fit real trucking businesses, from first time owner operators buying their first truck to established fleets navigating a freight recession. She also covers practical prep tips for anyone entering a financing conversation, and the flexibility options that matter most when markets get tight.

Heather discusses:

-Why trucking finance is relationship based, and how Mack Financial Services supports both new owner operators and long standing fleet customers with service first, not “money first”

-How a captive finance team works with dealers and the brand as one ecosystem, staying aligned and moving quickly so customers can get trucks on the road sooner

-What to expect when you are financing your first truck, including what information helps most, why deals are not black and white, and how terms, down payment, and collateral depend on the maturity of the business

-Loan versus lease decisions, including ownership, flexibility, equity, residuals, refinance options, and how support products like gap coverage and life event waivers can protect the investment

What’s next?

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