Office Equipment Financing in 3 Steps | Mehmi Group

Why finance office equipment?

Office equipment is no longer just desks and chairs. In 2025, Canadian businesses are investing in hybrid-work technology (laptops, video conferencing, VoIP), cloud-ready servers, and AI-enabled printers and POS systems. Add in furniture, installation, and training, and rollouts can easily reach $25,000–$250,000.

Paying cash drains liquidity. Financing lets you:

• Spread costs over predictable terms.
• Match payments to expected productivity gains.
• Keep working capital free for payroll, marketing, and client acquisition.

Run numbers quickly in our payment calculator and start with Equipment Financing.

Step 1 — Scope your package and model payments

List everything your rollout includes:

• Hardware: desktops, laptops, servers, tablets.
• Software & Licensing: ERP, POS, security, DVI.
• Networking & Telecom: routers, switches, VoIP phones.
• Furniture & Fit Out: desks, chairs, partitions.
• Professional Services: delivery, install, warranties, training.

Most of these items are financeable — check Eligible Equipment.

Compare structures:

• Equipment Loans: best for long-life gear like servers, racks, and furniture.
• Equipment Leases: lower monthly payments, ideal for fast-refresh assets like laptops and phone systems.

If you anticipate multiple waves of purchases across the year, consider an Equipment Line of Credit.

Step 2 — Apply online with a clean, concise file

Approvals move fastest when the file is organized:

• 3–6 months business bank statements (all operating accounts).
• Vendor quote/spec sheet (make/model, serials, install/software lines).
• One short use-of-funds paragraph: what you’re buying, go-live date, and expected ROI (margin, time savings, or contract).

Pick the structure that suits your priorities:

• Speed: Unsecured Loan for smaller tickets.
• Price: Secured Loan or Asset-Based Lending.

Pair equipment financing with a Working Capital Loan or Line of Credit if you also need décor, renovations, or onboarding staff.

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

Once approved:

1. Finalize documents electronically for speed.
2. Coordinate insurance: binder naming lender as loss payee (if required).
3. Schedule delivery and installation.

If you’re still shopping, Mehmi also sells equipment directly — see our inventory. Later, once stabilized, you can lower blended cost through Business Refinancing.

Quick Comparison Table

Case study: Multi-site rollout

A GTA medical clinic upgraded laptops, an MFP fleet, and VoIP phones while adding furniture for two new rooms. We ran a 60-month lease (10% buyout) vs. loan in the calculator. The lease freed cash for marketing while a Working Capital Loan covered install and training. Docs were e-signed, insurance issued same day, and installers booked for the following week.

FAQ

Can I bundle software, install, and training?
Yes — add them to the quote and we can finance the full package.

Loan or lease for computers and phones?
Because tech refreshes quickly, a lease with buyout keeps payments lower and upgrades simple. Long-life items (servers, furniture) often fit better under a loan.

What if I need multiple waves of purchases this year?
Use an Equipment Line of Credit.

Can I unlock cash from gear I already own?
Yes — through Refinancing & Sale-Leaseback.

How fast can I fund?
Organized files often fund within 24–48h.

Do you only finance, or also supply equipment?
Both. Mehmi owns inventory and can bundle purchase + financing.

Final Thoughts

Canadian businesses are entering 2025 under pressure to modernize offices for hybrid work and productivity. With fast 24–48h approvals, multiple structures, and bundled options for working capital, Mehmi Financial Group helps you upgrade technology and infrastructure without draining liquidity.

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👉 Ready to upgrade your office? Contact our credit analysts or test payments in the calculator now.