Quick answer: Regina contractors: Finance graders, pavers & road equipment fast. Flexible terms for Saskatchewan’s infrastructure boom.
Financing options to compare
| Option | Best suited for | Repayment structure | What to compare |
|---|---|---|---|
| Term loan | Defined one-time business need | Fixed scheduled payments | Total cost, term, fees, prepayment |
| Business line of credit | Recurring or uneven cash-flow needs | Revolving balance | Draw rules, interest, renewal, security |
| Secured financing | Larger requests backed by eligible assets | Structure varies | Collateral value, lien position, covenants, fees |
Terms, eligibility and costs vary by lender and borrower profile. Compare the full financing agreement rather than relying on a single payment or rate.
With Saskatchewan investing heavily in highways, utility corridors, and rural infrastructure, Regina-based road builders are busier—and more competitive—than ever.
Whether you’re repaving city streets, building culverts in rural SK, or subbing for large government contractors, one thing is clear:
You can’t win bids without the right machinery—and financing helps you get it without draining your working capital.
This guide walks through how Saskatchewan contractors can finance graders, pavers, and compaction gear as infrastructure projects ramp up across the province.
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 Road-Building Equipment Can Be Financed?
At Mehmi, we help contractors in Regina and southern Saskatchewan finance:
- Motor graders (CAT, John Deere, Volvo)
- Asphalt pavers and screeds
- Compactors, rollers, and padfoot machines
- Cold planers, pulverizers, and reclaimers
- Skid steers with road prep attachments
- Fuel trucks, trailers, and service vehicles
- Used, rebuilt, or dealer-sourced machinery
✅ New or used equipment is eligible
✅ We support private-sale purchases and out-of-province deals
✅ Financing bundles can include delivery, warranty, GPS, and upfitting
Why Regina Contractors Use Financing in 2025
✅ Infrastructure spending is up—but cash isn’t
With provincial budgets flowing into resurfacing and rural road rehab, small to mid-sized firms need to act fast to meet new demand.
✅ Avoid tying up lines of credit
Keep your LOC available for payroll, fuel, and operating costs.
✅ Secure equipment before bidding
Get pre-approved for key machines before tenders close.
Financing Options That Work for Saskatchewan Road Builders
🛣️ Equipment Loan
- Fixed rate, fixed term
- Ownership at end
- Terms: 24–84 months
- Best for contractors keeping equipment long-term
🛣️ Lease-to-Own
- Lower monthly payments
- Often includes $1 or FMV buyout
- Flexible when replacing equipment every 4–5 years
🛣️ Sale-Leaseback
Own machinery outright? Lease it back to unlock cash for growth or seasonal ramp-up.
Explore: Refinancing & Sale-Leaseback
Sample Payment Scenarios
| Equipment | Price | Term | Estimated Monthly Payment |
|---|---|---|---|
| Used CAT 140M Grader | $290,000 | 60 months | $5,800–$6,300 |
| Asphalt paver with screed | $185,000 | 48 months | $4,200–$4,600 |
| Double drum roller | $85,000 | 36 months | $2,400–$2,650 |
Rates and terms vary based on credit and down payment.
Case Study: Regina-Based Grading Contractor Expands Fleet
Business: Mid-size roadwork firm based just outside Regina
Challenge: Won multi-phase county grading contract but needed a second grader within 10 days
Solution:
- Financed used CAT 140H grader from Alberta seller
- 60-month lease with $1 buyout
- Mehmi managed lien check, cross-province logistics, and insurance coordination
Result: Machine on-site in 6 business days, avoided subcontractor costs, increased project margin by 18%
What You Need to Apply
✅ Business number (BN) and SK registration
✅ Quote or invoice from dealer/seller
✅ Equipment specs (year, make, model, hours)
✅ Credit score (650+ preferred, lower with collateral)
✅ Recent contracts or bidding history (if available)
Explore: Equipment Leasing & Loans
Final Word: Keep Paving, Not Pausing
In Saskatchewan’s infrastructure economy, delay means lost bids. You don’t have time to wait for banks or drain your line of credit on machines that could be financed affordably.
Mehmi helps road builders in Regina structure fast, flexible financing—so you can expand your fleet, grow your team, and keep every phase of the project moving.
Looking to finance road equipment in Regina or southern SK?
Talk to a credit analyst or try our payment calculator to see your monthly options in minutes.