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Compare customer financing companies for B2B sellers, including marketplaces, equipment finance partners and embedded financing platforms.
The best customer financing company for a B2B seller depends on what you sell, where your customers operate and how much control you want over the financing experience.
An equipment dealer may need strong asset-finance underwriting. A software platform may want an embedded business-loan marketplace. A construction supplier may need extended payment terms for contractors. A large OEM may need private-label leasing, floorplan financing and integration across an entire distribution channel.
There is no single provider that is the right fit for all of those sellers.
Quick Answer: B2B sellers should compare customer financing companies based on product coverage, geography, customer profile, equipment expertise, lender access, integration options and vendor payout process. Current companies worth comparing include Mehmi Financial Group, Lendio Embedded, DLL, Mitsubishi HC Capital, National Bank Equipment Finance, Meridian OneCap and Billd, each serving a different vendor-financing use case.
Start with the actual transactions you need financed.
A seller of CAD $250,000 excavators has different requirements from a SaaS platform whose customers need USD $50,000 of general working capital.
Before comparing logos, document:
The best partner is the company whose financing workflow fits those transactions consistently.
Mehmi’s existing guide to how vendor financing programs work in Canada explains why a vendor program is ultimately a sales and funding workflow rather than simply access to a lender.
Mehmi Financial Group is positioned differently from a direct lender.
It operates as a financing brokerage and intermediary and currently states that it compares potential approvals through 70+ funding partners across Canada and the United States. Its public website covers equipment financing, business loans, embedded financing, refinancing, factoring and related commercial products.
That model can make sense for B2B sellers whose customers do not all fit one credit profile or financing product.
A vendor might have:
Rather than building the dealer program around one lender's credit policy, a brokerage model can potentially route qualified files toward different financing sources.
Mehmi also publishes vendor-program resources around co-branded applications, dealer financing and point-of-sale workflows. Sellers evaluating that approach can review its vendor financing program for OEMs and distributors and vendor program setup checklist.
Good fit: B2B equipment sellers wanting broader lender and product coverage, particularly when customer profiles vary or the seller operates across Canada and the United States.
Consider carefully: A brokerage is not the same as a direct balance-sheet lender. Final approval, pricing and terms come from the applicable funding source.
Lendio takes a different approach.
Its Embedded Financing platform is designed to place a small-business financing marketplace directly inside another company's digital experience. Lendio currently advertises a configurable marketplace, branded digital applications, prequalification tools and access to more than 75 lenders.
That can be attractive for:
The key advantage is breadth across small-business financing rather than specialization in one equipment category.
A software platform could potentially allow users to explore funding without leaving the platform's customer journey.
Good fit: U.S.-focused digital platforms wanting an embedded small-business loan marketplace.
Consider carefully: A broad business-loan marketplace is not necessarily the same as a specialized commercial equipment finance desk. Sellers of complex used machinery, titled assets or custom equipment should verify asset-financing depth.
B2B sellers comparing this model with a dealer-specific workflow can also review Mehmi's POS equipment financing integration guide.
DLL is a global asset-finance company focused heavily on equipment and technology.
Its current U.S. and Canadian materials describe vendor financing for manufacturers, suppliers and dealers, with retail finance, commercial finance, inventory finance and other channel-financing structures. DLL operates across industries including agriculture, construction, industrial equipment, healthcare, technology and transportation.
DLL says its vendor-finance model supports manufacturers and suppliers across the distribution channel and provides customer financing at the point of sale.
That makes it substantially different from a generic online small-business lender.
The company is built around financing assets and distribution channels.
Its commercial finance products can also help dealers and distributors finance inventory, not only end-user purchases.
Good fit: Established OEMs, manufacturers and larger equipment distribution channels that want deep asset-finance expertise and structured vendor programs.
Consider carefully: Smaller independent vendors should determine whether the program economics, onboarding and service model match their transaction volume.
Sellers considering branded financing can compare this institutional model with Mehmi's white-label equipment financing guide.
Mitsubishi HC Capital America and Mitsubishi HC Capital Canada both offer vendor-financing programs.
The U.S. business currently markets customized loans, equipment leases and lines of credit for OEMs, manufacturers and dealers, including industrial, construction, healthcare, technology and other equipment sectors.
Its Canadian operation similarly offers vendor and broker financing, equipment loans, leases and lines of credit.
The wider Mitsubishi HC Capital platform also includes inventory financing, working capital, asset-based lending and project financing across its North American businesses.
That product depth can matter for a larger supplier whose financing requirements extend beyond individual end-customer transactions.
For example, a manufacturer may want customer leasing while simultaneously requiring channel finance, floorplan support or structured project financing.
Good fit: Larger B2B sellers and OEMs wanting a direct institutional financing partner with operations in both Canada and the United States.
Consider carefully: Confirm program minimums, asset appetite, geographic coverage and whether the partner's underwriting range matches the full customer base rather than only stronger credits.
Vendors comparing private-label approaches can review Mehmi's private-label leasing guide for equipment vendors.
National Bank Equipment Finance is specifically relevant to Canadian equipment dealers.
Its current dealer program provides dedicated equipment-finance support along with an Interactive Dealer portal. Dealers can generate quotes, submit financing applications and review financing information through the platform. National Bank also offers a Quote and Apply tool that can be incorporated into a dealer's website.
This is a direct institutional relationship rather than a multi-lender marketplace.
That can be valuable for dealers whose customers and equipment consistently fit the lender's appetite.
Good fit: Canadian equipment dealerships that want a bank-backed equipment financing relationship, payment quoting and dealer-facing digital tools.
Consider carefully: A single-lender program naturally operates within that lender's credit policy. Dealers seeing a wide range of credit profiles may still want a second-look financing path.
Mehmi's dealer-branded equipment financing guide explains why dealers should plan what happens when the primary financing lane does not fit a customer.
Meridian OneCap is another major Canadian equipment finance provider.
The company states that it provides financing programs for manufacturers, distributors and dealers and offers vendor finance, private-label programs, floorplan financing, rental programs and equipment leasing.
Its vendor program covers equipment categories including manufacturing, machine tools, agriculture, medical, construction, industrial, material handling and transportation.
This can make it particularly relevant to Canadian sellers whose financing need is heavily equipment-focused.
The company also markets national-account and manufacturer programs for larger channel relationships.
Good fit: Canadian equipment OEMs, distributors and established dealers looking for direct equipment finance, private-label programs or larger channel solutions.
Consider carefully: Sellers needing broad unsecured business lending, factoring or multi-lender placement should verify whether those needs belong within the same program or require another partner.
For the broader dealer-program structure, see Mehmi's Vendor Equipment Financing Canada dealer guide.
Billd is much more specialized.
Its business is focused on construction financing in the United States.
Billd's material financing product can pay a contractor's supplier upfront and then provide the contractor with extended payment terms of up to 120 days. Its supplier program is specifically designed to let building-material suppliers offer customers financing without carrying those receivables themselves.
That can be highly relevant to:
It is not a general solution for every B2B seller.
Good fit: U.S. construction material suppliers whose contractor customers need additional time to pay for project materials.
Consider carefully: The specialization that makes Billd useful in construction also means a software vendor or heavy-equipment dealer may need a completely different partner.
This decision matters more than the company name.
A direct lender uses its own credit programs.
The process can be simple and efficient when the customer's transaction fits the lender's appetite.
A marketplace gives customers access to several potential financing products or lenders through a technology-driven application process.
A brokerage or intermediary works with several funding sources and helps package and place individual transactions.
A specialized vendor-finance company may combine direct lending with private-label, floorplan and channel-finance capabilities.
None of these models is automatically superior.
The correct model depends on how varied your customer base is.
A dealer whose buyers almost all have established businesses and buy standardized new equipment may work efficiently with one lender.
A seller dealing with new and used equipment, varying credit profiles, working-capital requests and bank declines may benefit from broader placement capabilities.
Ask how the company performs on real transactions rather than relying on the sales pitch.
Important questions include:
The objective is not simply getting more approvals.
It is producing more appropriate funded transactions with a customer experience that does not damage the seller's brand.
Assume a U.S. equipment seller sells a machine for USD $150,000.
The customer contributes USD $15,000, leaving USD $135,000 financed.
For illustration:
Amount financed: USD $135,000
Assumed annual interest rate: 9.00%
Term: 60 months
Payment frequency: Monthly
Estimated monthly payment: USD $2,802.38
Total scheduled payments: USD $168,142.68
Estimated interest: USD $33,142.68
Customer contribution: USD $15,000
Total customer cash outlay before taxes and other fees: USD $183,142.68
This assumes a standard fully amortizing loan.
It excludes sales or use taxes, documentation charges, filing expenses, insurance, delivery, installation and other transaction-specific costs.
This is an illustration only. It is not a Mehmi Financial Group offer, approval or representation of current pricing.
For the seller, the important question is not whether the buyer wants to pay USD $2,802 per month for five years.
The seller should ask whether its financing partner can:
The vendor generally should not be collecting the customer's 60 monthly payments in a normal third-party financing arrangement.
Mehmi's guide to how vendors get paid when customers finance explains the distinction between credit approval, delivery, acceptance and vendor payout.
Commercial credit remains subject to applicable credit laws.
The CFPB's current Regulation B materials confirm that business credit is covered by the Equal Credit Opportunity Act.
A seller should therefore keep the responsibilities clear.
Salespeople can introduce financing.
They should not create their own informal approval rules or guarantee credit decisions that belong to the applicable financing provider.
State commercial-financing, brokering and disclosure requirements can also vary.
A provider that operates in one state should not automatically be assumed to offer the same product or structure nationwide.
B2B sellers should verify actual availability wherever their customers operate.
Customer financing can involve sensitive information relating to business owners and guarantors.
Where PIPEDA applies, Canada's Office of the Privacy Commissioner says organizations generally need meaningful consent for the collection, use and disclosure of personal information. Customers should understand the nature, purpose and consequences of what they are consenting to.
That means the vendor's sales representative should not become an informal repository for bank statements, identification and personal credit information.
A well-designed partner should provide a secure application and document process.
Canadian sellers should also confirm province-specific financing, security-registration and privacy requirements rather than treating Canada as one uniform legal market.
Choose based on your sales model.
If you operate a digital U.S. platform and want a broad embedded small-business loan marketplace, Lendio Embedded is worth comparing.
If you are a larger equipment or technology OEM looking for sophisticated asset-finance and channel programs, DLL deserves consideration.
If you want a large North American institutional vendor-finance provider, Mitsubishi HC Capital is another credible option.
Canadian equipment dealers should compare direct providers such as National Bank Equipment Finance and Meridian OneCap.
U.S. construction-material suppliers have a much more specialized option in Billd.
B2B equipment sellers whose files vary substantially by credit profile, financing product or geography may want to compare a multi-lender brokerage model such as Mehmi Financial Group.
The point is not to find the company with the most impressive homepage.
It is to find the financing model that matches the transactions your customers actually bring you.
There is no universal best provider.
The right company depends on your country, industry, transaction size, equipment, customer credit mix and whether you need one lender, a marketplace or multi-lender placement.
Not automatically.
A marketplace can create more product coverage, while one lender can create a simpler relationship when most customers fit the same credit profile.
Yes.
A third-party lender, lessor, marketplace or brokerage can handle the actual financing transaction while the seller remains focused on the product sale.
Potentially.
White-label and private-label programs can provide a branded customer experience while a third party handles underwriting and funding.
If used equipment represents a meaningful part of your sales, yes.
Ask specifically about acceptable equipment age, hours or mileage, condition requirements and private-sale transactions.
Approval rate alone can be misleading.
A provider could generate more approvals by offering expensive or inappropriate structures.
Track funded transactions, customer experience, time to payout and whether payments reasonably fit customer cash flow.
Some can.
Other companies specialize only in equipment financing or a narrow product.
Ask whether working capital, lines of credit, factoring or other products are actually available when customers need more than financing for the asset itself.
Mehmi Financial Group operates as a financing brokerage and intermediary rather than a direct lender.
Its current public website states that it works across Canada and the United States and compares potential approvals through more than 70 funding partners.
For equipment dealers, manufacturers, distributors and other B2B sellers, Mehmi can help establish a customer financing workflow, organize applications and transactions, and route qualified files toward applicable financing sources.
To discuss a vendor program, provide your typical financing amount, whether customers are in the United States or Canada, the states or provinces you serve, what you sell, your average transaction size and when you want financing available to customers.
Call Mehmi Financial Group at 833-863-4644 or use the verified contact page. Contact Mehmi Financial Group
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