Forestry Equipment Financing Canada | Harvester, Skidder & Trailer Loans

Why finance forestry equipment?

Canadian forestry operators run capital-intensive businesses where uptime matters more than anything. Harvesters, forwarders, skidders, mulchers, chippers, and log trailers can each cost $100,000–$750,000+, not including attachments or delivery. Even large contractors hesitate to deploy that much cash at once, especially when contracts, road-building, and crews also demand capital.

Financing smooths cash flow, aligns payments with cut blocks and production schedules, and keeps operators from being caught between delayed mill/broker payments and urgent expenses like fuel or payroll.

Step 1 — Scope your package and model payments

List the full setup you need (e.g., harvester/processor head, forwarder, skidder, mulcher or chipper, log trailer, guarding, delivery). Most items are financeable—check Eligible Equipment.

Choose a structure and test payments in minutes with the calculator:

• Own long-term? Equipment Loans fit iron you’ll run 7–10+ years.
• Need lower monthly and upgrade flexibility? Equipment Leases use residuals/buyouts to reduce payments.
• Multiple buys this year? Draw as needed with an Equipment Line of Credit.
• Already own gear but need cash? Unlock equity via Refinancing & Sale-Leaseback.

Mehmi also sells equipment directly — if you’re shopping now, see our inventory and bundle purchase + financing.

Quick comparison

Step 2 — Apply online with a clean, concise file

Approvals in 24–48h require an organized package:

• 3–6 months business bank statements (all operating accounts, PDF).
• Vendor quote/specs with make/model, year, hours, serials, attachments, delivery costs.
• Short use-of-funds note: block/contract, production target, and start date.
• Insurance broker contact to bind coverage naming lender as loss payee.

If you also need operating cash for roads, crews, or fuel, add a Working Capital Loan or Line of Credit. For slow mill/broker payments, layer in Invoice & Freight Factoring. Asset-heavy operators can raise limits through Asset-Based Lending.

Step 3 — E-sign, insure, and schedule delivery

Once approved, Mehmi coordinates:

1. E-sign documents for speed.
2. Bind insurance (lender as loss payee).
3. Register PPSA.
4. Coordinate vendor invoices so funding and delivery align.

If buying direct from Mehmi’s inventory, serials and paperwork move even faster.

Case Study: Northern Ontario Operator

A forestry contractor needed a harvester with processor head, a forwarder, and a log trailer before a winter cut. Mehmi structured a 60-month lease with 10% buyout, lowering monthly payments. A small Working Capital Loan covered road-building and crew onboarding. Approval cleared in 48h; machines arrived on site before the cut window, ensuring production targets were met without capital stress.

FAQ

Can I lease used forestry equipment?
Often yes — approval depends on age, hours, and condition. Start under Equipment Leases.

How do I keep payments low in shoulder seasons?
Use a longer term and/or lease residual, or supplement with a Line of Credit for seasonal expenses.

I own machines — can I free up cash without selling?
Yes — Refinancing & Sale-Leaseback unlocks equity while equipment stays in service.

What if receivables pay in 45–60 days?
Bridge the gap with Invoice/Freight Factoring so fuel and payroll never slip.

Final Thoughts

Forestry in Canada is capital-intensive, seasonal, and margin-sensitive. By structuring financing around your block schedule and cash flow, Mehmi Financial Group helps you put harvesters, skidders, and trailers to work before revenue arrives. With 24–48h approvals, bundled working capital, and options for new or used equipment, you can focus on production—not paperwork.

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👉 Ready to finance your forestry equipment? Contact our credit analysts or model payments in the calculator today.