A customer wants the excavator, CNC machine or reefer trailer, but the upfront price stalls the order. A supplier financing program lets you quote the equipment and a monthly payment in the same sales conversation, while a Canadian equipment financing company handles the credit review, documents and funding.
A supplier financing program lets Canadian dealers, manufacturers and distributors offer branded equipment financing at the point of sale. The customer applies, the file is assessed, terms are structured around the asset and cash flow, and the supplier receives payment after documents and funding conditions are complete—without carrying the customer’s instalment risk.
A supplier financing program lets an equipment seller offer leasing or financing without becoming the creditor. Here, “supplier financing” means equipment vendor financing, not reverse factoring or supply-chain finance.
Through Mehmi’s vendor financing program, a supplier can use a co-branded or white-label application—branded under the supplier’s name—while Mehmi manages credit review, documentation and funding. The standard program has no setup cost, and the supplier is paid after the transaction funds. (Mehmi Financial Group)
Financing reduces the gap between wanting equipment and having enough cash available today. A sales rep can discuss monthly cash-flow impact instead of forcing the buyer to absorb the full invoice at once.
Statistics Canada reports that machinery and equipment capital expenditures are expected to reach about $127.2 billion in 2026. Innovation, Science and Economic Development Canada also reports that 36% of small businesses requested external financing in 2024, including 24% that requested trade credit. (Statistics Canada)
The process runs through five stages: supplier setup, customer application, credit review, documentation and electronic funds transfer.
The supplier must be approved and all credit conditions cleared before documentation. This control helps prevent title, invoice and payout problems.
The best fit is a Canadian business selling identifiable, revenue-producing equipment with a clear invoice and useful life.
Hard business assets are the normal focus. Consumer vehicles, cannabis, crypto and purchases without identifiable collateral fall outside standard equipment programs.
A clean submission starts with accurate customer, equipment and transaction information.
Collect the following through a secure process:
A new business can strengthen its file with a work contract, three months of bank statements and proof of prior experience. Send the customer to a secure application rather than collecting sensitive credit information by ordinary email.
Lead with the operating benefit and an estimated payment, not a promised approval or rate. Keep the credit decision with the financing company.
Use the equipment financing calculator when a customer is deciding between paying cash and preserving working capital. Label every figure as an estimate because the final payment, term and structure are subject to credit approval and current market conditions.
Ask whether the customer wants to own the equipment, how much cash should stay in the business and whether revenue is steady or seasonal. For a practical workflow, read how to offer financing to equipment customers in Canada.
It turns a stalled quote into a credit file that reflects how the buyer earns revenue. These are realistic composite examples.
A construction equipment dealer in Calgary quotes a $165,000 excavator to a contractor with four years in business. The file includes bank statements, equipment details and the reason for adding the unit; the transaction is structured over a useful-life term with a down payment, subject to approval.
A trailer supplier serving trucking companies in Brampton works with an owner-operator replacing a reefer. A carrier work letter, three months of bank statements, fleet details and a complete invoice let credit assess cash flow instead of relying on FICO alone.
A medical and dental equipment supplier in Montréal helps a clinic add imaging equipment through a bilingual process. The clinic preserves cash for payroll and fit-up costs, while the supplier is paid after documents, insurance and delivery conditions are satisfied.
Most delays come from incomplete or inconsistent documents.
Common problems include:
Standard vendor funding requirements call for a current invoice, supplier void cheque and email, signed documents, insurance and proof of initial payment where applicable.
Compare the operating process, not only advertised speed.
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Mehmi offers financing options across Canada, transaction sizes from $2,500 to $5 million+, and typical terms from 24 to 84 months, subject to the customer profile, asset and current market conditions.
Yes, in equipment sales the terms usually describe the same point-of-sale arrangement. The supplier or vendor introduces a customer who needs financing, while a financing company handles credit, documents and funding. It is different from supply-chain finance, which normally concerns a company’s payables or receivables.
No. The customer signs the financing or lease documents and makes payments under that agreement. The supplier receives the approved invoice amount at funding and does not collect monthly instalments, although it remains responsible for accurate invoicing, clear title, delivery and normal product obligations.
Straightforward, complete applications can move quickly, while larger or complex files require deeper review. Mehmi publishes a typical 24–48-hour approval window, with payout following once documents and funding conditions are complete. Missing equipment details, bank statements, signatures or insurance will extend the timeline. (Mehmi Financial Group)
Mehmi considers transactions from $2,500 to $5 million or more, with terms commonly ranging from 24 to 84 months. The approved amount, down payment, amortization and purchase option depend on credit strength, time in business, equipment type, asset age and current market conditions.
Yes, files are considered case by case. A start-up can strengthen its application with a signed work contract, three months of bank statements, at least two years of relevant experience and a reasonable down payment. Challenged-credit customers may also need a PNW, CRA NOAs or additional support.
Mehmi’s standard supplier program has no setup or membership fee. The supplier receives co-branded tools and financing support, while the customer’s transaction is priced according to the approved credit structure. Any special promotion or custom integration should be confirmed before launch. (Mehmi Financial Group)
A supplier financing program works best when financing is built into the quote, application and delivery process. Add a “cash price or estimated monthly payment” field to your quote template, then send your product list and typical invoice size through Mehmi’s contact page or call (437) 777-5901.
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