Quick answer: IT, Telecom & Security Equipment Loans Canada can spread the cost of eligible commercial assets over scheduled payments, subject to provider approval. Compare the asset and seller details, required contribution, total repayment and cash available for operating costs before committing.
Scale infrastructure without draining cash
Modern operations depend on resilient networks, secure endpoints, and compliant physical security. Mehmi sells equipment directly and structures IT, telecom, and security equipment financing that preserves working capital for staffing, inventory, and growth initiatives. Start with Equipment Financing and model scenarios in the calculator.
BDC’s equipment-financing guide emphasizes the complete financing structure when comparing offers.
“Don’t focus only on interest rates”
For the equipment decision discussed here, compare the amount financed, payment schedule, collateral and remaining obligations alongside the quoted rate.
What we finance
Servers, storage, racks, UPS/generators; core/edge switches, routers, Wi-Fi, firewalls/SASE; PBX/UCaaS handsets and gateways; structured cabling/fibre; CCTV/IP cameras, NVRs, VMS; access control panels, readers, turnstiles, intercoms; alarms/sensors; MDTs/handhelds/scanners; cab room buildouts and environmental gear. Confirm eligibility on Eligible Equipment. Private sale supported via Conditional Sales Contracts.
Choose the right structure
| Option | Ownership Path | Cash-Flow Profile | Best For | Learn More |
|---|---|---|---|---|
| Equipment Loan | Own from day one | Predictable amortization; CCA | Racks, UPS, cameras, access control you’ll keep 5–8 yrs | Loans |
| Equipment Lease | Use now; buyout/refresh at term | Lower monthly via residual | Faster-refresh tech (servers, Wi-Fi, endpoints) | Leases |
| Equipment Line of Credit (E-LOC) | Draw per site/phase | Interest on draws only | Multi-site rollouts; staged cabling + devices | E-LOC |
| Refinancing / Sale-Leaseback | Sell owned gear; lease back | Immediate liquidity | Unlock equity to fund expansions | Sale-Leaseback |
| Asset-Based Lending | Borrow on assets/AR | Working-capital buffer | Inventory, licenses, ramp-up costs | ABL |
| Working Capital Loan | Unsecured/secured term cash | Short-to-mid term | Launch marketing, staffing, spares | Working Capital |
| In-House Financing | Mehmi-placed approvals | Flexible | Startups/unique files | In-House |
Authoritative references
- Innovation, Science and Economic Development Canada — Canada Small Business Financing Program:
The Canada Small Business Financing Program makes it easier for small businesses to get loans from financial institutions by sharing the risk with lenders.
Program eligibility, lender criteria, tax treatment, and product terms can change. Verify current official guidance and final financing documents before making a decision.