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See why equipment dealers, OEMs and B2B sellers use Mehmi to offer customer financing without becoming the lender themselves.
A customer can genuinely need your equipment and still hesitate at a $75,000, $150,000 or $500,000 cash purchase.
The issue may not be price. The buyer may simply prefer to keep cash available for payroll, inventory, fuel, materials and other operating costs.
That is where vendor financing becomes part of the sales process.
Instead of sending the customer away to find a bank, a dealer, OEM or distributor can introduce financing while the buyer is still evaluating the purchase.
Quick Answer: The three strongest reasons to offer B2B customer financing through Mehmi are broader access to financing sources, the ability to keep financing inside your sales process without becoming the lender, and greater flexibility for used equipment, second-look files and other transactions that may not fit one standard credit program. Final approval and terms remain subject to third-party underwriting.
Business customers already use outside financing regularly.
In Canada, ISED's 2023 Survey on Financing and Growth of SMEs found that 49.3% of SMEs sought external financing, including debt, trade credit and lease financing. Demand was particularly high among manufacturing, wholesale and construction businesses.
In the United States, the Federal Reserve Banks' 2026 Report on Employer Firms found that 60% of surveyed small employer firms applied for financing during the preceding 12 months. The survey covered 6,525 U.S. employer firms and is a convenience sample rather than a random nationally representative sample.
Those figures do not prove that adding financing will increase your conversion rate by a particular percentage.
They do show that financing is already a normal part of how many businesses buy, expand and manage cash flow.
The practical question for a B2B seller is whether that financing conversation happens inside your sales process or after the customer leaves it.
Mehmi's guide to offering equipment financing to customers explains the basic third-party model for sellers that want to introduce monthly-payment options without funding customers themselves.
A single lender can work extremely well when your buyers and transactions are highly standardized.
The problem is that real B2B sales floors are rarely that consistent.
One customer may be an established construction company buying a new excavator.
The next could be a trucking company buying a five-year-old trailer.
Another may be a manufacturer purchasing specialized machinery with installation costs.
Their industries, credit profiles, ticket sizes and asset risks are different.
Mehmi operates as a commercial financing brokerage and intermediary rather than one direct lender. Mehmi's broader North American website currently says businesses can compare approvals through 70+ funding partners across Canada and the U.S. Its dedicated Canadian Vendor Program separately describes access to 30+ Canadian lending partners.
That distinction matters.
The value of a broader network is not simply "more lenders."
The value is having more than one potential credit path when the transaction does not fit a single institution's policy.
Mehmi's One-Funder vs. Broker-Backed Vendor Program guide explains the trade-off directly: a one-funder model can be simpler, while a broker-backed model can provide greater flexibility when credit profile, industry, asset age or transaction structure varies.
Imagine your preferred lender declines a used machine because its age falls outside that lender's policy.
The customer may still have strong cash flow.
The equipment may still have a reasonable resale market.
The transaction simply does not fit that particular credit box.
A financing intermediary can determine whether another appropriate provider is worth considering rather than forcing the salesperson to restart the financing search from zero.
That is particularly valuable when your dealership sells a mixture of:
New equipment.
Used equipment.
Commercial vehicles.
Specialized machinery.
Different transaction sizes.
Customers with different operating histories.
This is also why a dealer should distinguish second look from guaranteed approval.
Some transactions should remain declined.
If cash flow cannot reasonably support the payment, sending the same application to more lenders does not fix the underlying problem.
The objective is better matching, not approval at any cost.
First determine why.
Was the issue credit?
Cash flow?
Equipment age?
Transaction size?
Customer contribution?
Documentation?
Industry policy?
A strong financing partner should identify the problem before deciding whether another credit path makes sense.
That is one reason Mehmi's dealer financing FAQ for sales and service teams emphasizes that salespeople should introduce financing and set expectations, while actual underwriting remains with the finance side.
A dealer does not need to build a captive finance company simply to let customers pay over time.
That is one of the largest practical advantages of a third-party vendor financing program.
Your business can concentrate on:
Selling the equipment.
Producing an accurate quote.
Helping the customer start the application.
Coordinating delivery.
The finance partner handles the underlying credit process.
Mehmi's public Vendor Program currently describes co-branded and white-label financing, application tracking, credit support and third-party underwriting for Canadian dealers, OEMs and distributors.
The seller is not supposed to become the customer's long-term creditor.
That matters because directly financing your own customers introduces an entirely different business model.
You would need to think about underwriting, collections, servicing, defaults, loss reserves, legal enforcement and capital allocation.
For most independent dealers, that is far removed from the reason they are in business.
Mehmi's White Label Equipment Financing for Dealers guide explains the difference well: the financing experience can remain closely connected to the seller's brand without putting the underlying credit risk directly on the dealer's balance sheet.
It does not have to start with an expensive software project.
A smaller dealer can begin with a hosted or co-branded application.
A larger dealer can integrate financing more deeply into quoting or point-of-sale workflows.
Mehmi's POS Equipment Financing Integration for Dealers guide describes options ranging from hosted application links to embedded forms, webhooks and deeper API integrations.
The right level depends on your sales process.
If most transactions start with a salesperson and a PDF quote, you may not need a sophisticated API.
If you process hundreds of transactions through an online marketplace, deeper automation can make much more sense.
The financing process should fit the way your customers already buy.
Potentially.
White-label and co-branded financing can keep the dealer's brand prominent while the finance provider handles credit functions behind the scenes.
The important qualification is that branding should not misrepresent who is actually providing, brokering or underwriting the financing.
Your customer can experience financing as part of buying from you without being told that your dealership itself is the lender when it is not.
Mehmi's Online Credit Application for Equipment Dealers guide also explains why the best application flow collects enough information to create a fundable file without forcing the salesperson to handle sensitive underwriting documents manually.
Mehmi's current Canadian Vendor Program page states that the program is free to join for dealers and manufacturers and advertises no setup or membership fee.
That does not mean every aspect of every financing transaction is free.
Customer financing still has an economic cost, and dealers should review their actual partner agreement for any transaction-specific compensation, subsidies, integrations or other obligations.
The useful point is that a vendor does not necessarily need to invest large amounts of capital to test whether customer financing belongs in its sales process.
Mehmi's Vendor Program Setup Checklist provides a practical framework for getting the documentation, sales handoff and funding process organized before launch.
A vendor program becomes more valuable when it continues working after the transaction gets slightly complicated.
Mehmi's public Canadian Vendor Program specifically describes support for new, used and private-sale equipment.
Those transactions require different levels of diligence.
Used equipment may require hours, mileage, condition information or valuation support.
A private sale can require additional ownership and lien verification.
A specialized machine may need better documentation of attachments or installation.
A customer who was declined by its bank may need a legitimate second-look review rather than another generic application.
This matters because independent equipment sellers do not operate in a perfectly standardized checkout environment.
A forklift dealer, trucking-equipment seller or machinery distributor may see very different files during the same week.
The value of the finance partner is its ability to understand the actual transaction instead of treating every customer as though they are buying the same new asset under the same circumstances.
The seller should make the deal easy to understand.
That starts with an accurate quote showing the legal buyer, equipment year, make, model, serial number or VIN where applicable, purchase price, significant attachments, delivery and other material transaction details.
The customer then needs to provide whatever financial information is appropriate for the amount and risk.
Mehmi's Vendor Financing Program workflow guide explains how clean equipment details, customer information and funding conditions affect the path from application to dealer payout.
This is where a good vendor relationship can be more useful than simply handing the buyer a lender's phone number.
The dealer and finance partner build a repeatable process around the transactions the dealer actually sells.
Assume a Canadian equipment seller has a customer purchasing a machine for CAD $100,000.
For illustration only, assume:
Purchase price: CAD $100,000
Customer contribution: CAD $10,000
Amount financed: CAD $90,000
Assumed annual interest rate: 8.5%
Term: 60 months
Payment frequency: Monthly
Assumed financing fees: $0
GST/HST, insurance, delivery, documentation and other costs: excluded
The estimated monthly payment would be approximately CAD $1,846.49.
Over 60 months, estimated repayment on the financed amount would be approximately CAD $110,789.27, including approximately CAD $20,789.27 of interest.
Including the CAD $10,000 customer contribution, total cash paid toward the equipment and assumed financing would be approximately CAD $120,789.27 before excluded costs.
This is an illustrative example only. It is not a Mehmi Financial Group financing offer or indication of currently available pricing.
The sales value of financing is not that CAD $100,000 becomes cheaper.
It does not.
Financing changes when the buyer has to deploy cash.
A business that prefers not to remove CAD $100,000 from its operating account may be able to compare the equipment's expected business value against an estimated monthly payment instead.
That can keep the financing conversation attached to the equipment transaction rather than sending the buyer away to arrange its own credit.
The precise payout process depends on the transaction.
For a standard equipment purchase, funding typically occurs after required closing conditions are completed.
Custom equipment may depend on delivery or customer acceptance.
Other projects can require a different structure.
That is why the dealer should know the payout trigger before promising the customer a delivery date.
Mehmi's existing vendor materials describe the seller receiving payment at funding rather than waiting for the customer's scheduled payments, while the underlying customer credit relationship sits with the financing institution.
The practical rule is straightforward:
Do not release equipment simply because a customer says it was approved. Release it when the required funding conditions have been completed and the payout process is confirmed.
No.
A formal vendor program makes the most sense when customers regularly ask about financing and transaction values are meaningful enough for financing to affect the buying decision.
A dealer with almost no financing requests may be better served by an occasional referral relationship.
A company whose sales team will not introduce payment options consistently may need sales-process work before it needs a vendor portal.
The same applies when quotes and invoices are routinely incomplete.
Financing amplifies the process you already have.
It does not repair a poor sales workflow.
Mehmi's guide on when a dealer should not join a vendor finance program is a useful counterpoint for businesses deciding whether they are operationally ready.
No. Mehmi Financial Group operates as a financing brokerage/intermediary. Independent third-party financing institutions provide the underlying approved financing and make final credit decisions.
Potentially. Mehmi's public Vendor Program describes co-branded and white-label options. The financing parties still need to be represented accurately in the applicable agreements and disclosures.
Potentially. A broker-backed model can evaluate whether another appropriate financing source or transaction structure fits. A first-lender decline does not guarantee a second lender will approve the customer.
Mehmi's current public Canadian Vendor Program specifically lists new, used and private-sale equipment as supported transaction categories, subject to credit and asset eligibility.
No. A dealer can keep its existing financing relationship and use another financing path when appropriate. Some sellers use a broker-backed provider as a secondary or second-look lane.
No. Final approval, pricing, term, customer contribution and financing conditions depend on the independent financing institution, customer and transaction.
The payout depends on the deal and funding conditions. Standard transactions may fund following completed documents and delivery requirements, while custom projects can have different payout triggers.
Start with your normal transaction amount, asset types, customer industries, new-versus-used mix, geographic coverage and sales process. Then establish how quotes, applications, documents, approval updates and funding will move between your staff and Mehmi.
The reason to offer customer financing is not to turn every buyer into a borrower.
It is to make sure a commercially sensible sale does not stall simply because the customer prefers to preserve cash.
Through Mehmi, a B2B seller can combine three useful capabilities:
Broader access to financing sources rather than one credit box.
A customer-facing financing process without becoming the direct lender.
More flexibility for used equipment, private sales and transactions that need a second look.
Mehmi's broader North American website currently states that it works with 70+ funding partners across Canada and the United States, while its dedicated Canadian Vendor Program describes co-branded financing through 30+ Canadian lending partners.
To discuss offering financing to your B2B customers, contact Mehmi Financial Group at 833-863-4644 through the verified Mehmi Financial Group contact page. The current page confirms the toll-free number.
Include your typical financing amount, U.S. or Canada, state or province, equipment or products sold, customer use of funds and expected timing so the vendor program can be evaluated against the transactions your business actually handles.
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