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Offer financing under your brand in Canada. Learn how to set up branded applications, explain costs and manage consent, lender roles and payouts.
Your customer knows your company, trusts your salesperson and wants to move forward. Then the financing process introduces unfamiliar names, another application and questions about who will receive their information.
Offering financing under your brand can make that transition easier to understand. The goal is a connected buying experience, not hiding the companies arranging or providing the financing.
For Canadian equipment dealers, manufacturers, distributors and other B2B sellers, the right setup combines consistent branding with clear credit, privacy and payment responsibilities.
Quick Answer: Canadian B2B companies can offer financing under their brand through a co-branded or white-label arrangement with a financing partner. Start with a branded application, clear lender and broker identification, customer consent and a defined funding process. Your branding can remain prominent, but underwriting, rates and approval remain with the financing provider.
It means presenting a third-party financing option as part of your customer experience rather than establishing your own lending operation.
Your company’s identity may appear on the financing page, quotation and application. The customer still enters the applicable agreement with the financing provider.
A co-branded arrangement displays both your business and the financing partner. A white-label arrangement gives your brand greater prominence, within the agreed scope. Neither term establishes who supplies the money or assumes contractual responsibility.
Mehmi’s guide to offering financing without becoming a bank explains the basic third-party model. Equipment sellers can also review the white-label equipment financing guide.
Mehmi Financial Group is a commercial financing brokerage and intermediary, not a direct lender. Independent financing providers determine final credit decisions, pricing and funding conditions. (Mehmi Financial Group)
Keep that distinction visible wherever your branding could otherwise suggest that your company provides the loan.
Agree on the scope before designing the page or training your salespeople.
Ask the partner to demonstrate the customer journey from the first quotation through repayment support. Do not assume “white label” includes every screen, email and document.
Define three areas:
For each area, identify which company approves the wording and whose legal identity must appear.
Request confirmation of custom-domain, CRM and integration capabilities. A branded application does not establish that a proprietary portal or software connection is included.
For an approved Mehmi partnership, the following is a starting point for the partner to review:
Business financing options for your purchase
Apply through our financing partner, Mehmi Financial Group, a commercial financing brokerage. Independent financing providers determine approval, rates, terms and funding conditions. Our company supplies the equipment; we do not make the lending decision.
This is suggested sales wording, not a complete privacy notice or credit authorization.
The Competition Bureau’s misleading-representations guidance considers both literal wording and the overall impression of advertising. A small disclaimer should not contradict a prominent claim that your company is the lender. (Competition Bureau Canada)
Connect the quotation, application and funding process before adding more technology.
Document what customers purchase, typical amounts, provinces served and usual delivery requirements. Identify whether used equipment, installation, deposits or recurring inventory orders are common.
Ask the partner which transactions it can consider. Keep provider eligibility policies separate from legal requirements.
An occasional financing request may need only a clearly identified referral. Frequent requests may justify a branded application and more detailed status tracking.
Carry the quotation reference, customer’s legal business name, equipment description and requested amount into the handoff.
Keep the cash price visible. Itemize attachments, freight, installation and services rather than using an unexplained package price.
Mehmi’s Canadian dealer website financing guide provides context for placing financing beside the purchase without turning an estimate into an approval promise.
Decide who requests financial documents, explains offers, reports outstanding conditions and confirms the seller’s payment.
Use status messages that identify the next action. “Insurance outstanding” is more useful than “almost funded.”
If the customer changes the equipment, price or borrowing entity, send the change for review. Do not silently substitute a revised quotation into an existing approval.
Choose products around the purchase and repayment source, not the branding.
For equipment, an ownership-oriented loan and a lease serve different purposes. BDC explains that equipment loans can support ownership, while leasing may suit businesses seeking use of an asset without the same ownership objective. The actual lease contract determines purchase, return and renewal options. (BDC.ca)
For operating requirements, a term loan provides scheduled repayments, while a revolving line of credit can generally be reused as balances are repaid within the agreement. BDC distinguishes these structures in its working capital guidance. (BDC.ca)
Do not treat a temporary collection gap and continuing operating losses as the same problem. Nor should payroll or marketing expenses be disguised as equipment cost.
Start with the products your customers need most. Confirm separately whether services, subscriptions or other non-equipment purchases are eligible.
Collect enough to support a proper review without making the sales team an unnecessary holder of sensitive financial records.
Begin with the business identity, ownership, location, financing amount, purpose and purchase details. Direct financial statements, bank information, identification and credit authorizations through the partner’s approved process when requested.
BDC’s equipment-financing proposal guidance identifies financial condition, credit, existing leverage and repayment capacity as relevant considerations. It also recommends explaining how the purchase will improve revenue, costs or productivity. (BDC.ca)
For equipment, prepare the year, model, serial number or VIN, condition, usage and seller information. The Canadian equipment application checklist helps organize that package.
Used assets need particular attention to maintenance, ownership, remaining useful life and resale value. A low payment is not a sound objective if the equipment may require replacement before the financing ends.
Avoid universal credit-score, revenue or down-payment promises. Explain inconsistencies and existing obligations rather than hoping the financing provider overlooks them.
Show the cash required upfront, scheduled payments and total obligation together.
A monthly figure without its assumptions is not enough. Identify the financed amount, assumed pricing, term, payment frequency, fees and any final payment.
For leases, explain the purchase option or return obligations. For loans, establish whether the balance fully amortizes. Obtain the early-payoff calculation rather than assuming all remaining charges disappear.
Mehmi’s line-by-line loan and lease comparison provides a framework for that discussion.
Assume a Canadian customer purchases equipment for CAD $90,000, contributes CAD $15,000 and finances CAD $75,000.
For illustration only, assume an 11% 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 payment is approximately CAD $1,938.41 per month.
Using the unrounded calculation, scheduled repayments total approximately CAD $93,043.88, including CAD $18,043.88 in interest. Including the separate fee, financing cost is approximately CAD $18,543.88.
The customer needs CAD $15,500 upfront. Total cash paid, including the contribution, fee and scheduled repayments, is approximately CAD $108,543.88.
Sales taxes, delivery, installation, insurance, maintenance, inspection, registration and legal expenses are excluded. Rounding may slightly adjust the final payment.
This is a mathematical illustration, not a Mehmi offer, customer result or current rate quote. The assumed interest rate is not a fee-inclusive APR.
Use the loan section of the Canadian equipment financing calculator to test amounts and terms. Its estimates use CAD and exclude sales taxes; add separately paid fees to the comparison. (Mehmi Financial Group)
If the customer has CAD $4,500 available monthly after operating expenses and existing debt payments, this payment leaves approximately CAD $2,561.59. If available cash falls to CAD $2,500, only CAD $561.59 remains.
Test the slower month before presenting financing as the solution.
Branding should make the financing relationship understandable, including how personal information is handled.
PIPEDA governs covered commercial handling of personal information. Alberta, British Columbia and Quebec have substantially similar private-sector privacy laws, while commercial information flows across provincial or national borders can bring PIPEDA into scope. (Office of the Privacy Commissioner)
The privacy commissioner’s meaningful-consent guidance calls for understandable explanations of what is collected, why and with whom it is shared. Important information should not be buried in a long policy. (Office of the Privacy Commissioner)
Map the information moving between your business, the brokerage, financing providers and technology services. Distinguish a service provider processing information on your behalf from a lender using an application for its own underwriting.
The commissioner’s third-party assessment guidance explains that organizations remain responsible for personal information under their control, including information transferred for processing. Assess access, subcontractors, storage, incident handling and end-of-contract procedures. (Office of the Privacy Commissioner)
Keep financing administration separate from permission for future promotions.
The CRTC explains that commercial electronic messages generally require consent, sender identification and an unsubscribe mechanism, subject to applicable exceptions. Its guidance also rejects pre-checked boxes as a way to obtain express consent. (CRTC)
Agree on who can contact customers after funding and for what purpose. A branded application should not become an unexplained lead-sharing arrangement.
Quebec requires specific attention when using contracts of adhesion: agreements whose essential terms are imposed rather than freely negotiated.
The OQLF’s business guidance explains the French-version requirement before parties expressly choose another language, subject to exceptions and rules for electronic contracting. Have the actual application and contract process reviewed; do not rely only on an English-language preference checkbox. (Office québécois de la langue française)
Separate what your company pays, what the customer owes and when your sale proceeds become available.
Request written terms covering setup, branding, customization, transaction charges, promotional subsidies and any referral compensation. Review exclusivity, termination and treatment of active applications.
Mehmi’s published vendor program lists no setup or membership costs. That does not establish that every custom implementation is included or that the underlying customer financing is free. (Mehmi Financial Group)
Examine recourse: circumstances in which the provider can recover money from your business or require a repurchase. Ask about non-delivery, inaccurate descriptions, cancellations and disputed transactions.
For equipment, agree on deposits, shipment, delivery, acceptance and funding. The Canadian vendor payout guide explains why those milestones need to be distinguished.
Also clarify security. Canadian arrangements use provincial frameworks: British Columbia’s PPSA provides for financing-statement registration, while Quebec’s RDPRM records relevant rights affecting movable property. Have the provider explain the applicable process and any personal guarantee separately. (BCLaws)
Before the first repayment, tell the customer which company will collect it and whom to contact about the account. Familiar branding should not end in an unfamiliar debit with no explanation.
Test the handoff and exceptions before investing in extensive customization.
Start with a demonstration or anonymized transaction. Test a missing document, changed quote, conditional approval, cancellation and delayed installation.
Ask a colleague unfamiliar with the program to identify who sells the equipment, who arranges financing, who lends and who collects payments. Any uncertainty indicates wording or process that needs revision.
For a live pilot, obtain participating customers’ authorization. Track accepted offers, funded sales, outstanding conditions, seller proceeds and complaints.
Use the Canadian vendor program setup checklist to assign launch responsibilities.
Measure profitable completed transactions, not application volume alone. Keep a simpler referral process when financing demand does not justify a larger build.
Ask the partner to demonstrate the supported experience. A hosted link, embedded application and custom-domain portal are different implementations. Confirm what is included before promising that the entire process remains on your website.
Do not build the program around that assumption. Your brand can be prominent while customers are clearly informed about the organizations involved. Have the partner approve the presentation of offers, contracts, privacy information and repayment instructions.
Have Canadian counsel assess your actual activities, products, compensation and provinces served. A third-party arrangement does not, by itself, establish that every possible activity is exempt from regulatory requirements.
Under the partner-led model described here, the financing provider sets approved pricing. Any seller-funded promotion needs a separately agreed structure. Do not let sales staff promise terms before authorization.
The financing provider should communicate the decision through the agreed process. Ask whether additional information or a different structure could address the problem. Do not keep resubmitting an unaffordable request merely to preserve the sale.
Pause when repayment depends on speculative demand, further borrowing or an unrealistic equipment life. Compare a smaller purchase, rental, existing bank facilities or waiting. Branding does not make an unsuitable obligation affordable.
Mehmi’s vendor financing program describes branded applications accessible from websites and quotations, document uploads, deal tracking and financing-specialist support. Confirm the scope of additional branding or integration during onboarding. (Mehmi Financial Group)
Start with your typical financing amount in CAD, Canadian customer provinces or territories, products or services sold, intended use of funds and expected purchase or launch timing.
Call Mehmi Financial Group at 833-863-4644 or contact the team about a Canadian branded financing program. Bring a representative quotation so the discussion can address your actual sales and funding process. (Mehmi Financial Group)
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