77 City Centre Dr Suite 501, Mississauga, ON
MON-FRI: 8:00-9:00 PM EST
SAT: 8:00-4:00 PM EST
MON-FRI: 8:00-9:00 PM EST
SAT: 8:00-4:00 PM EST
Call/Text Us Today
(437) 777-5901
(437) 777-5901
Parlour uptime, cow comfort, and milk quality can’t wait for a “prime” credit score. Whether you’re adding robotic milkers, upgrading bulk tanks & plate coolers, installing parlour gates & ID, or modernizing feeding/manure systems, the right lease can align payments with milk cheques and reduce cash strain at busy times of the year.
At Mehmi Financial Group, we both finance and (when inventory fits) sell commercial equipment. For dairy operators across Canada, we bundle eligible soft costs (delivery, install, electrical/plumbing, training), stage vendor payouts by milestones, and move quickly—even on B/C/D credit. If you want a second set of eyes on your dealer quote, feel free to contact our credit analysts.
Start ballparking payments with our calculator and see core structures at Financing & Leasing.
Lead with cash flow, not just credit.
Show 6–12 months of bank statements (business if incorporated, otherwise farm account) with stable deposits and headroom for the new payment.
Make it seasonal/step-up.
Use seasonal or skip schedules tied to milk receipts; add step-up (lighter first 3–6 months) while training and herd routines stabilize.
Right-size the down payment.
First/last in advance or 5–15% down can shift a marginal C/D file into approval territory.
Cross-collateralize.
Add a paid-off mixer, tank, or tractor for extra security—keeps the rate sensible.
Sale-leaseback for the win.
Turn owned equipment into cash for the new install or pad/utilities. Learn more: Refinancing & Sale-Leaseback.
Use progress-funding.
We pay vendors on deposit → delivery → installation → acceptance, so you don’t float big cheques mid-project.
Pick the right structure.
If cash is tight during build or feed spikes, consider a revolving buffer via Line of Credit & Working Capital.
Situation. 90-cow dairy adding one robotic milker, crowd gate, ID, and plate cooler—$278,000 installed. Bank declined due to thin credit and a past late year.
Structure. 72-month FMV with step-up (first 4 months), seasonal weighting to cheque dates, and progress-funding to the dealer. A small sale-leaseback on a paid-off mixer reduced the advance.
Outcome. Approved and live before calving peak. Throughput and SCC scores improved; after 15 on-time payments we refinanced, trimming monthly ~8%.
Short on paperwork? Send what you have—we’ll stage the rest. For a quick payment preview, try the calculator.
Can I include install, utilities, and training in the same lease?
Often yes. Many private lenders allow soft-cost bundling so projects don’t stall mid-install.
What credit score is “good enough”?
Many prefer 650+, but stable deposits, strong collateral, and a credible plan can offset thinner credit.
FMV vs. $10 buyout—how do I choose?
Use FMV for tech you’ll refresh (robots, electronics) and $10/fixed residual for long-life stainless or pumps.
Can payments be seasonal?
Yes. We commonly structure seasonal/skip or step-up schedules around milk cheques.
Can payments drop later?
Often. After 12–18 clean payments, we revisit pricing via Refinancing & Sale-Leaseback.
If you’d like a no-pressure comparison of FMV vs. $10 buyout—or help structuring seasonal and step-up payments—feel free to contact our credit analysts. Explore options and estimate payments in minutes:
.avif)