Calgary Skid Steer Financing | Seasonal Contractor Payments

Why Calgary Contractors Finance Skid Steers

Skid steers are the backbone of many construction, landscaping, and agricultural projects in Calgary. They’re versatile, compact, and essential for everything from site prep to snow clearing. But purchasing one outright often costs $50,000–$100,000+, making financing the preferred option.

What makes Calgary unique is the seasonal nature of work: long winters and short construction seasons. Contractors need financing that allows seasonal payments, aligning monthly obligations with revenue cycles.

That’s where Mehmi Financial Group comes in — offering tailored skid steer financing programs across Alberta.

How Seasonal Payment Financing Works

Unlike rigid bank loans, seasonal payment programs are designed to match your cash flow.

• Lower or deferred payments during slow winter months.
  
  
• Higher payments during peak summer construction season.
  
  
• Custom structures to match contracts, whether municipal or private.
  
  
• Available on both leases and loans.
  
  

Use our financing calculator to model seasonal payment scenarios.

Loan vs. Lease: Which Fits Calgary Skid Steer Financing?

Equipment Loan

• Own your skid steer over time.
  
  
• Deductible interest and depreciation.
  
  
• Ideal if you’ll keep the machine long-term.
  
  
• See: Equipment Loans.
  
  

Equipment Lease

• Lower monthly payments.
  
  
• Seasonal payment flexibility is easier to structure.
  
  
• Option to upgrade after term.
  
  
• See: Equipment Leases.
  
  

Refinancing & Sale-Leaseback

• Already own a skid steer? Unlock equity while continuing to use it.
  
  
• See: Refinancing & Sale-Leaseback.
  
  

Who Benefits from Seasonal Skid Steer Financing in Calgary?

• Construction Contractors: Payments aligned to summer project revenue.
  
  
• Landscapers: Finance machines needed for spring/fall workloads.
  
  
• Snow Removal Operators: Leverage winter income with structured payments.
  
  
• Farmers: Finance loaders and attachments with seasonal agricultural cash flow.
  
  

Check our Construction & Contractors and Farming & Agriculture industry pages.

Case Study: Calgary Landscaping Firm

Client: Landscaping contractor serving Calgary suburbs.
Need: Two skid steers with attachments.
Challenge: Winter cash flow dropped by 60%, making fixed monthly payments unsustainable.
Solution: Mehmi arranged a seasonal lease structure with reduced winter payments and higher summer payments.
Outcome: Contractor kept cash flow stable through the winter, scaled operations in summer, and won several new residential contracts.

Why Choose Mehmi in Calgary?

• 24–48h approvals for skid steer loans and leases.
  
  
• Seasonal payment structures designed for Alberta’s climate.
  
  
• Support for startups via in-house financing.
  
  
• Asset-based options for contractors with multiple machines: Asset-Based Lending.
  
  
• Used equipment friendly: See our inventory.
  
  

FAQ: Skid Steer Financing in Calgary

1. Can I defer payments during the winter?
Yes. Seasonal plans allow reduced or deferred payments.

2. Do you finance used skid steers?
Yes. Both new and used are eligible: Eligible Equipment.

3. How fast can I be approved?
Most approvals are within 24–48 hours.

4. Do I need a down payment?
Typically 0–20%, depending on credit and business age.

5. Can startups in Calgary qualify?
Yes, with good credit or down payment. See In-House Financing.

6. How do I estimate payments?
Use our calculator.

Final Thoughts

Calgary’s construction and landscaping industries run on seasonal cycles. With skid steer financing that adapts to your cash flow, contractors can keep projects moving year-round without financial strain.

Apply online today for seasonal payment skid steer financing in Calgary with Mehmi Financial Group.

👉 Contact us or explore our inventory.