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Compare B2B embedded financing platforms for U.S. and Canadian businesses, including net terms, equipment financing, fees, integrations and risks.
The best embedded financing platform depends on what your customers need to finance.
A distributor offering payment terms on repeat orders needs a different solution from an equipment dealer arranging a five-year purchase. A software company adding business funding to its platform has another requirement entirely.
Start with that distinction. An attractive application screen is useful, but the underlying financing, customer eligibility and seller payment arrangements determine whether the program works.
Quick Answer: Shortlist TreviPay, Resolve and Balance for invoice terms; Tabit for Canadian pay-over-time purchases; Lendio for embedded business-loan marketplaces; and Mehmi for broker-assisted equipment and business financing. The best choice depends on buyer location, repayment needs, integration depth, total cost and seller obligations—not the largest lender count.
Choose the financing model before comparing platforms.
There are three different problems to solve.
Financing a purchase: Your customer needs a particular machine, vehicle or commercial asset. Evaluate financing against the asset, intended ownership period and repayment capacity.
Extending invoice terms: Your customer wants to purchase now and pay later. The important questions are when the invoice becomes due, when your business receives payment and who carries non-payment risk.
Providing general business capital: Your platform’s users need funds for inventory, hiring or operations, rather than financing one specific purchase from you.
The distinction affects product selection. Canadian businesses comparing operating-finance products can start with the working capital loan versus line of credit guide.
This comparison assesses published product capabilities, not independently tested approval rates or conversion results. It includes Mehmi’s own program alongside alternatives serving different needs.
Consider Balance when you want financing connected to an online purchase and buyer account.
Balance’s B2B BNPL product describes financing for eligible purchases with payment deferral of up to 90 days. Its published integration options include hosted application components and API-based checkout, while its buyer portal provides access to limits, payments and transaction history. (Balance)
The product page states that applicable financing fees or interest are presented at checkout and paid by the buyer. That is different from assuming every program is funded entirely through a merchant discount. (Balance)
Balance also documents a Shopware integration connecting checkout and buyer portals with invoicing and credit management. (Balance)
What to verify: Ask about approved seller and buyer countries, transaction currencies, merchant charges, refunds and settlement conditions. The reviewed materials do not establish that every Canadian business can use every Balance financing product.
Do not use short-term invoice deferral as a substitute for evaluating a multi-year equipment purchase.
Consider Lendio when your users need broader business funding rather than payment terms on one invoice.
Lendio Embedded Financing offers a branded application, pre-population of customer information, configurable financing options, customer communications and access to support. Its stated audience includes businesses with an authenticated digital experience used regularly by small-business owners. (Lendio)
That makes it relevant to software providers and business-service platforms exploring financing as an additional service.
Lendio states that it is not a direct lender. Participating financing providers determine eligibility and terms; its disclosures also note that referral compensation may influence offer placement. (Lendio)
What to verify: Review product selection, compensation, customer-contact permissions and where loan proceeds go. An embedded business loan should not be treated as guaranteed payment of your company’s invoice.
For a Canadian rollout, obtain written eligibility confirmation. The reviewed embedded-product page does not establish Canadian borrower coverage.
Consider Mehmi when the transaction needs financing expertise as well as an online application.
Mehmi’s vendor financing program describes branded applications from websites, product pages and quotations, document uploads, deal tracking and comparison of available approval terms. Financing specialists can help organize applications and resolve outstanding conditions. (Mehmi Group)
That approach is relevant to dealers and B2B sellers whose requests vary by equipment, customer profile and financing purpose.
Mehmi is a brokerage and intermediary, not a direct lender. Independent financing providers make final credit and funding decisions. (Mehmi Group)
Canadian sellers can review the embedded-financing workflow for Canadian companies when defining the handoff.
What to verify: Confirm custom integration capabilities rather than assuming a branded portal includes a particular API or accounting connector.
Also confirm geography. Mehmi’s published policy restricts general commercial loan-broker applications involving borrowers principally located in California, Illinois, Missouri, Nebraska, North Carolina, North Dakota and Vermont unless an applicable authorization or exemption is confirmed. Additional product-specific restrictions apply. These are Mehmi’s business restrictions, not a statement that financing is unavailable in those states. (Mehmi Group)
Consider Resolve when customers purchase repeatedly and you want invoice financing connected to receivables management.
Resolve describes its core customers as U.S.-based suppliers, distributors, manufacturers and wholesalers. Its model combines buyer assessment, invoice advances and payment collection. (resolvepay.com)
Its merchant FAQ identifies important qualifications: the advance percentage is established during onboarding, and its default buyer market is the United States. Select merchants may obtain coverage for qualifying Canadian and other international buyers, but those buyers are invoiced and must pay in USD. (resolvepay.com)
What to verify: Confirm advance percentages, reserves, fees and currency exposure.
Check integrations individually. Resolve’s FAQ distinguishes direct integrations from Shopify support through custom workflows; it does not describe a standard native Shopify checkout flow. (resolvepay.com)
Consider Tabit when Canadian business customers need instalments through checkout or an invoice-payment process.
Tabit’s published FAQ describes predictable weekly buyer payments and upfront merchant funding under the approved transaction process. Its merchant eligibility information includes Canadian business registration. (Tabit)
The fee model deserves attention. Tabit states that merchants pay a transaction fee, with no monthly platform fee unless the agreement says otherwise. Promotional financing can involve merchant-funded interest or incentive costs. (Tabit)
What to verify: Obtain the actual merchant pricing and buyer agreement. Confirm which purchases qualify, the payment schedule, cancellation handling and early-payoff terms.
Weekly payments are not equivalent to a net-60 invoice. Ask customers to compare scheduled withdrawals with when their own customers pay them.
Do not assume Canadian merchant eligibility establishes U.S. product availability.
Consider TreviPay when the requirement extends beyond financing into billing, credit management and collections.
TreviPay’s program description combines buyer credit, invoicing and managed collections. Its published pricing model typically uses a transaction fee deducted from seller settlement, with costs varying by program, industry and volume. (TreviPay)
Its international offering includes cross-border payment and currency capabilities, but the supported entities, countries and settlement arrangements should be specified in the proposal. (TreviPay)
What to verify: Confirm branding rather than assuming complete invisibility. TreviPay’s developer documentation states that co-branding became its default offering in 2025, identifying TreviPay separately from the seller. (TreviPay Documentation and APIs)
TreviPay also distinguishes its offering from factoring. Canadian finance teams considering a separate receivables strategy can compare the invoice factoring model and its costs. (TreviPay)
Request separate pricing for your business and the borrower.
For your company, ask about setup, integration, subscriptions, minimum volumes, transaction charges and promotional subsidies. Establish whether fees are deducted from settlement and whether they are refundable when an order is cancelled.
For customers, compare the amount financed, cash required upfront, repayment frequency, total scheduled payments and any final obligation.
A loan, lease, factoring arrangement and revenue-based product should not be compared using one headline percentage. Mehmi’s disclosures distinguish interest rates, APR, factor pricing and lease-payment measures. (Mehmi Group)
For Canadian equipment purchases, a line-by-line loan and lease comparison helps identify buyouts, fees and payoff provisions.
Measure your program’s contribution after costs. More financed sales are not automatically more profitable sales if subsidies, returns and administration absorb the margin.
Assume a customer purchases equipment for CAD $120,000, contributes CAD $20,000 and finances CAD $100,000.
For illustration only, assume a 10% fixed annual interest rate calculated monthly, a 48-month term and monthly payments beginning one month after funding.
Assume a CAD $500 financing fee paid separately at closing, no other financing fees and no balloon payment.
The calculated monthly payment is approximately CAD $2,536.26.
Using the unrounded payment calculation, scheduled loan repayments total approximately CAD $121,740.40, including CAD $21,740.40 in interest. Including the separate fee, total financing cost is approximately CAD $22,240.40.
The customer needs CAD $20,500 upfront for the contribution and fee. Total cash paid, including the down payment, scheduled repayments and fee, is approximately CAD $142,240.40.
Sales taxes, delivery, installation, insurance, maintenance, inspections and legal costs are excluded. Rounding may slightly adjust the final payment.
This is a mathematical illustration, not a quote from any platform, a Mehmi offer or a customer result. The assumed interest rate is not a fee-inclusive APR.
The Canadian equipment financing calculator can help test loan-payment assumptions. Add separately paid fees and excluded costs to its estimates.
For cash-flow planning, suppose the buyer has CAD $6,000 available monthly after operating expenses and existing debt payments. The proposed payment leaves approximately CAD $3,463.74.
If available cash falls to CAD $3,000, only CAD $463.74 remains. That slower-month result matters more than whether the payment looks attractive on a quotation.
Test whether the program can assess your real customers and handle exceptions.
Ask how it evaluates business history, credit, cash flow, existing obligations and the intended use of funds. Determine when bank statements, financial statements, ownership information or supporting contracts are required.
For Canadian equipment financing, BDC’s proposal guidance emphasizes financial condition, existing leverage, repayment capacity and the commercial benefit of the purchase. (BDC.ca)
For used assets, provide age, usage, condition, maintenance evidence and identifying numbers. Ask whether the proposed term makes sense for the remaining useful life.
Review the contract for personal guarantees, collateral and early-payoff provisions. A lease’s purchase option, return conditions and renewal terms deserve separate attention.
Credit protection and fulfilment protection are different questions. Ask what happens following buyer default, non-delivery, a product dispute, a partial refund or inaccurate seller information. “Non-recourse” should not replace reading the exceptions.
Finally, agree on the payment trigger. Canadian equipment vendors can use the vendor payout guide to distinguish approval, delivery, acceptance and funding.
Verify the borrower, seller, product and currency—not just the platform’s headquarters.
In the United States, Regulation B applies to business as well as consumer credit. Establish appropriate application and referral procedures rather than letting salespeople invent their own approval rules. (Consumer Financial Protection Bureau)
For secured transactions, confirm the applicable UCC or asset-specific process. California’s Secretary of State explains how relevant filings establish security interests and priority; vehicle-title requirements may require separate review. (California Secretary of State)
Canadian security arrangements use provincial frameworks. British Columbia, for example, provides for financing-statement registration under its PPSA, while Quebec uses the RDPRM for relevant rights affecting movable property. (BCLaws)
Canadian applications containing owners’ or guarantors’ personal information also require appropriate privacy handling. The federal privacy commissioner’s meaningful-consent guidance explains the importance of making collection, purpose and disclosure understandable. (Office of the Privacy Commissioner)
For an actual cross-border equipment sale, the U.S. dealer guide for Canadian customers provides additional transaction context.
Ask for a demonstration using representative transactions, not only the easiest purchase.
Include an incomplete application, conditional approval, changed quotation, partial shipment, cancelled order and refund after seller payment.
Have the provider show how each event affects the customer agreement, outstanding balance, seller settlement and accounting records.
For technical integration, verify the required connections, access permissions and status updates. Ask who handles failed messages, mismatched invoices and support requests after launch. Canadian dealers planning this work can review the point-of-sale financing integration guide.
Review branding separately. The Canadian white-label equipment financing guide helps distinguish a branded experience from actually providing the financing.
Start with a limited rollout. Measure funded transactions, customer acceptance, net margin and unresolved issues. A simpler referral process may remain preferable when financing requests are infrequent.
Prioritize asset expertise, loan and lease options, used-equipment handling and vendor payout conditions. Mehmi is one option to evaluate for a broker-assisted process. Compare it against direct equipment-finance relationships rather than assuming an invoice-terms platform solves the same problem. (Mehmi Group)
Require written confirmation for each seller entity, buyer location, financing product and currency. A cross-border capability does not necessarily mean the same agreement or repayment currency applies in both countries.
No. Embedding the application changes where the customer applies, not whether the financing provider accepts the risk. Confirm eligibility and required documents before making any customer-specific commitment. (Mehmi Group)
Not for every program. Compare a hosted application with deeper integration against your actual volume and processes. Pay for additional technology only when it resolves a demonstrated operational need.
No. Compare cash, existing bank facilities, rental, a smaller purchase or waiting. Additional debt is not a solution to continuing operating losses or equipment that cannot justify its carrying cost.
Not necessarily. Ask which applicants and products the rate includes. Assess accepted offers and completed funding alongside cost, repayment suitability, cancellations and customer complaints.
Choose the partner that fits your transactions before choosing the application design.
For equipment dealers, manufacturers, distributors and other B2B sellers considering an assisted financing program, Mehmi can discuss the application process and potential funding sources. Final approval and terms remain with the applicable financing provider. (Mehmi Group)
Bring your typical financing amount, U.S. or Canadian customer locations, states or provinces, products or services sold, use of funds and expected purchase timing.
Call Mehmi Financial Group at 833-863-4644 or contact the team about embedded B2B financing.
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