.avif)
Learn how the best embedded B2B financing works in Canada, including benefits, examples, provider types and when Mehmi Financial Group fits.
A business buyer is ready to purchase, but the price is CAD $50,000, $150,000 or $500,000. Sending that customer away to arrange financing creates another step, another delay and another opportunity for the transaction to stall.
Embedded B2B financing solves that problem by putting the financing process inside the seller’s normal buying journey. The customer can move from quote to application to an approved financing option without starting from zero somewhere else.
Quick Answer: Embedded B2B financing puts business credit inside a seller’s website, quote, portal or checkout. Instead of sending a buyer away to arrange financing, the buyer can apply during the purchase. Depending on the program, the seller may be paid at funding while an outside financing provider handles underwriting, documentation and repayment.
Embedded B2B financing is business financing integrated directly into a non-financial company’s sales process or software.
The important word is embedded.
Traditional business financing happens separately from the purchase. A customer receives a quote, leaves the seller, contacts a bank or financing company, completes an application, waits for a decision, then returns to finish the transaction.
Embedded financing moves that process closer to the purchase.
The financing option might appear inside a product page, quote, dealer portal, marketplace, sales CRM or online checkout. The buyer can request financing when the need actually arises.
Embedded finance is a broader category than lending. It can include payments, accounts, cards, insurance and other financial products. Mastercard, for example, describes embedded finance as integrating B2B payment services into software businesses already use. Mastercard
Embedded financing is the credit side of that idea.
For Canadian B2B sales, that can include installment financing, commercial equipment loans, leases, B2B Buy Now Pay Later, trade credit and net payment terms.
The customer stays in the seller’s buying journey while a financing provider handles the credit transaction behind it.
The exact workflow varies, but the commercial logic is straightforward.
A buyer selects a product or receives a quote. Instead of seeing only “Pay CAD $150,000,” the buyer also sees an option to explore financing.
The customer enters business information and authorizes the required credit review. The financing provider evaluates the business, transaction and—in equipment financing—the asset being purchased.
If an acceptable option is available, the buyer reviews the amount financed, payment, term, customer contribution, security, guarantees and other conditions.
The seller then completes the normal funding requirements. Once the transaction is actually funded, the seller receives payment according to the program and the buyer repays the financing provider.
The technology connecting those steps can range from a simple co-branded application link to an API, or application programming interface. An API is simply a software connection that allows systems to exchange information automatically.
A larger platform might connect financing with its CRM, quoting software, ERP system or checkout. A smaller seller may need only a financing button and a dashboard.
That distinction matters. You do not need a custom API to have embedded financing.
Business buyers increasingly expect digital purchasing, while financing remains a normal part of how Canadian companies acquire assets and manage cash flow.
Mastercard reports that 95% of B2B buyers prefer a fully digitized buying experience, while 87% of businesses favour an all-in-one software solution for managing B2B purchases. Mastercard
That does not mean 95% of business buyers want a loan. It means forcing the customer into disconnected phone calls, PDFs and separate systems increasingly conflicts with how businesses want to transact.
There is also meaningful demand for financing itself.
Innovation, Science and Economic Development Canada reported that 39% of Canadian small businesses requested some form of external financing in 2025. Fifteen percent requested trade credit, 20% requested debt financing and 6% requested leasing. ISED Canada
Payment timing is another problem. Payments Canada found that 27% of Canadian SMEs surveyed identified delayed incoming or outgoing payments as their most common payment challenge. Payments Canada
Embedded financing connects these two realities: buyers want a cleaner digital experience, but many still need credit to complete business purchases.
Embedded financing is not one product. The right structure depends on what is being purchased, how long the buyer needs to pay and when the seller needs its money.
Net terms are the simplest example. A supplier might allow an approved buyer to pay Net 30 or Net 60 instead of paying immediately. Shopify B2B, for example, supports payment terms ranging from Net 7 through Net 90, along with deposits and due-on-fulfillment structures. Shopify Help Center
But offering terms yourself means your company may still carry the receivable.
Third-party net-terms platforms change that structure. The financing provider evaluates the buyer and may pay the seller earlier while collecting from the buyer later.
Installment financing or B2B Buy Now Pay Later divides a purchase into scheduled repayments. Canadian merchants can also embed this directly into an e-commerce journey.
Equipment financing is different again. A CAD $250,000 production machine may need a multi-year loan or lease that reflects the equipment’s useful life, resale value and ownership outcome. Sellers offering high-ticket commercial assets can connect the purchase directly to equipment financing and leasing options instead of treating every sale like short-term BNPL.
Working-capital financing can also be embedded inside business software, marketplaces and other platforms, although underwriting is based more heavily on business cash flow than on one specific financed asset.
The useful question is therefore not, “Do we have embedded finance?”
Ask:
“What financing product are we embedding?”
The biggest benefit is fewer steps between deciding to purchase and understanding how the purchase could be financed.
A business buying equipment does not necessarily lack money. It may simply prefer to preserve liquidity.
Consider a company with CAD $500,000 in available cash considering a CAD $200,000 machine. Paying cash leaves CAD $300,000 before installation, payroll, raw materials, GST/HST and unexpected operating costs.
Financing lets management compare the cost of borrowing with the value of retaining that cash.
Embedding the financing option in the quote also gives the buyer context. Instead of evaluating only a CAD $200,000 price, management can compare the proposed payment with the equipment’s expected cost savings, capacity or revenue.
That can improve decision quality when the financing is presented transparently.
It should not be used to make an unaffordable purchase look affordable.
A properly structured program removes financing friction without forcing the seller to operate its own credit department.
The seller can introduce financing earlier, while the buyer is still evaluating the purchase.
That matters because price objections are often really cash-flow objections.
A customer saying, “CAD $180,000 is too much right now,” may mean:
“I want the equipment, but I do not want CAD $180,000 leaving my bank account this month.”
Those are different problems.
Embedded financing also lets sales teams discuss the cash price and financing option together instead of responding to every financing request manually.
Depending on the structure, an external financing provider can handle underwriting, financing documentation and repayment while the seller receives payment at funding.
The seller still has responsibilities. The product must be delivered correctly, invoices must be accurate and all funding conditions must be completed.
Credit approval is not the same thing as funding.
Different providers solve different parts of the B2B finance problem, so they should not be treated as interchangeable.
Shopify B2B allows merchants to configure company-specific payment terms, including Net 7, 15, 30, 45, 60 and 90. It also supports deposits and B2B checkout customization. Shopify Help Center
That is useful for managing payment terms inside commerce.
However, assigning Net 30 terms does not by itself mean an outside financing company has funded the receivable or assumed the buyer’s repayment risk.
Tabit and Jifiti announced a Canadian B2B embedded-lending program that lets merchants offer installment loans and net terms through e-commerce platforms including Shopify and BigCommerce. Jifiti Lending Solutions
That model is closer to conventional point-of-sale B2B financing.
TreviPay focuses heavily on B2B payments, trade credit, net terms, invoicing and order-to-cash automation. Its public materials state that its card and net-terms solutions support Canada and can be integrated into checkout. TreviPay
This can fit businesses where repeat purchasing and trade-credit management are central.
Resolve focuses on net-terms financing and accounts-receivable workflows. It publicly describes structures where qualifying invoices can receive upfront funding while approved buyers receive time to pay. ResolvePay
That is different from financing a five-year equipment purchase.
Airwallex provides embedded payments and financial infrastructure, including accounts, payments, FX, payouts and card issuing through APIs. Its Canadian offering supports platform and marketplace integrations. Airwallex
That makes it an embedded-finance infrastructure provider, but it should not automatically be compared with a company focused on financing commercial equipment purchases.
Mehmi Financial Group is focused on business-purpose financing, including embedded customer financing, equipment financing and other commercial products rather than consumer purchases. Its current embedded-financing page describes AI-powered customer financing, pre-qualification, deal routing, centralized application tracking and financing integrated at checkout. Mehmi Financial Group
The key distinction is use case.
Mehmi is particularly relevant when the embedded-finance problem is not simply accepting a payment—it is getting a real business purchase financed.
That distinction becomes important with high-ticket transactions.
A payment platform can move money.
A net-terms platform can let a buyer pay an invoice later.
But a customer purchasing a CAD $300,000 piece of commercial equipment may need a credit structure based on the business, asset, useful life, customer contribution, seller and transaction documents.
Mehmi’s embedded and vendor financing program is designed around that type of B2B transaction. Its published workflow includes pre-qualification, financing at the point of sale and centralized tracking of applications, approvals and funded transactions. Mehmi Financial Group
This can be particularly relevant to equipment sellers serving Canadian manufacturing and wholesale businesses, where purchases may involve machinery, automation, material-handling equipment or other long-life commercial assets.
Mehmi is also transparent about its role. It acts as a commercial financing intermediary rather than the direct lender making every final credit decision; the applicable financing provider determines approval, pricing and funding conditions. Mehmi Financial Group
That is an important distinction for both buyers and sellers.
The value of an embedded financing platform is not that every customer gets approved. It is that qualified customers have a clear financing path without the seller building an underwriting and servicing operation itself.
A good embedded-finance transaction connects the purchase, financing and seller payout without disguising the economics.
Consider an illustrative Canadian equipment sale.
A buyer agrees to purchase a production system for CAD $180,000 before tax. The buyer contributes CAD $36,000, leaving CAD $144,000 financed.
For illustration only, assume CAD $144,000 is financed over 60 months at a 9.50% nominal annual rate with monthly payments and no residual or balloon.
The calculated payment would be approximately CAD $3,024 per month.
Over 60 payments, scheduled repayment would total about CAD $181,456, or approximately CAD $37,456 in interest, excluding GST/HST, insurance, registration, documentation charges and other transaction costs.
The buyer should compare the roughly CAD $3,024 monthly obligation with the cash flow generated or protected by the equipment.
The seller should not use the payment to hide the CAD $180,000 purchase price.
At the decision point, the buyer can use Mehmi’s equipment financing calculator to test different purchase amounts, contributions and terms.
Rates and structures are subject to credit approval and current market conditions.
Evaluate the actual financing workflow, not just how good the application form looks.
A useful program should answer what products are available, who underwrites the buyer, whether the seller carries any credit risk, when the seller gets paid, who services the financing, how refunds and cancellations work, what happens after a decline, and how customer information moves between systems.
Technology matters too.
Ask whether financing can be offered through a button, payment link, product page, quote, CRM, portal or API. Then determine which integrations are actually required.
Do not spend six months building an API when a co-branded link would solve the immediate sales problem.
Likewise, do not assume “embedded” means fully automated.
Large equipment purchases may require financial statements, invoices, equipment details, insurance or other transaction documents. A digital front end does not eliminate credit analysis.
Canadian sellers building the process from scratch can also review Mehmi’s guide on how to offer customer financing in Canada.
The main challenge is making financing feel simple without pretending the underlying credit transaction is simple.
Fast applications can create unrealistic expectations.
A customer may receive a quick initial result but still need to satisfy documentation or transaction conditions before funding.
Another risk is offering the wrong product.
Thirty-day trade credit is not a substitute for five-year equipment financing. A five-year equipment lease is not the right solution for a short-lived operating expense.
There is also a data issue. Embedded financing can require business ownership information, banking data and credit information. Companies need appropriate consent, secure data handling and clear responsibilities between the seller, platform and financing provider.
Finally, there is sales behaviour.
Financing should give a healthy business another way to pay. It should not become a tool for pushing a marginal customer into a purchase that does not make economic sense.
A financially healthy repeat customer is more valuable than one sale that should never have been financed.
Embedded finance is the broader category. It can include payments, bank accounts, cards, insurance, lending and other financial services integrated into non-financial software or commerce. Embedded financing refers specifically to credit or financing products placed inside that experience, such as equipment financing, installment credit, working capital or net terms.
Not exactly. B2B BNPL is one form of embedded financing. It usually finances a specific purchase through installments or deferred payments. Embedded financing is broader and can also include equipment loans, leases, revolving credit, trade credit or working-capital products depending on the platform and customer need.
Not necessarily. A seller can integrate an external commercial financing provider into its sales process while the provider handles the credit agreement and servicing. The seller must still understand its own legal, privacy, disclosure and transaction responsibilities. The exact structure should be reviewed for the provinces and products involved.
No. A platform may provide quick pre-qualification or an initial decision, but larger B2B purchases can still require financial information, transaction documents and funding conditions. An approval should never be presented as unconditional until the applicable financing provider has completed its review.
Yes. A business can begin with a financing button, application link, co-branded portal or sales-quote workflow. APIs become useful when the business needs deeper automation between financing, checkout, CRM, ERP or marketplace systems. The simplest implementation that solves the sales problem is often the best place to start.
Mehmi is particularly relevant when a Canadian B2B seller wants financing integrated into high-ticket commercial sales rather than only payment processing or short invoice terms. Its program supports point-of-sale financing workflows and commercial equipment transactions, with final financing subject to provider approval and transaction eligibility. Mehmi Financial Group
Embedded B2B financing works best when it removes friction without hiding price, cost or credit requirements.
For Canadian sellers, the first question is not which platform has the flashiest checkout. Determine whether your customers need net terms, installment financing, equipment financing or another commercial credit product—then build that option into the point where buyers actually make the decision.
To discuss AI-powered embedded financing for your B2B sales process, call Mehmi Financial Group at 833-863-4644 or contact Mehmi Financial Group.
.svg){kind=small}