Warehouse Equipment Loans Canada

Add capacity without draining cash

Growing SKUs, tighter SLAs, and labour pressures make the right warehouse gear non-negotiable. Mehmi sells equipment directly and structures warehouse equipment financing to preserve working capital for inventory, payroll, and peak-season surges. Start with our equipment financing overview and price scenarios with the calculator.

What you can finance

Forklifts (electric/LPG/diesel), narrow-aisle reach trucks, order pickers, pallet jacks, AGVs, racking and shelving, mezzanines, dock levelers and doors, conveyors/sortation, lift tables, battery/charging systems, scales/telematics, printers/scanners, and safety upgrades. Confirm eligibility on Eligible Equipment. Buying from us or private sale? We can secure title with Conditional Sales Contracts.

Your financing options

• Equipment Loan – Own from day one; predictable amortization and CCA.
  See Equipment Loans.
  
  
• Equipment Lease – Lower monthly via residual; buyout or refresh at term.
  See Equipment Leases.
  
  
• Equipment Line of Credit (E-LOC) – Pre-approved limit for staged installs (e.g., racking now, conveyors next quarter).
  See E-LOC.
  
  
• Refinancing / Sale-Leaseback – Unlock equity from owned gear to fund expansions.
  See Refinancing & Sales-Leaseback.
  
  
• Working Capital & ABL – Smooth inventory buys and seasonal labour.
  Working Capital Loan and Asset-Based Lending.
  
  
• Business Line of Credit – Revolving facility for recurring small tickets.
  See Business Line of Credit under Business Loans.
  
  
• In-House Financing – Extra flexibility for startups or unique files.
  See In-House Financing.
  
  

Loan vs lease vs E-LOC at a glance

What actually moves approvals in 2025

• Time in business & credit depth: Established operators earn sharper pricing; startups can qualify with contracts/LOIs and a sensible contribution via In-House Financing.
  
  
• Asset profile: Year/condition for lift trucks; engineer-stamped drawings for racking/mezzanines; warranty and service plans help.
  
  
• Project phasing: If installs are staged, an E-LOC minimizes re-papering.
  
  
• Soft costs: Rigging, install, permits, engineering, batteries/chargers can often be rolled into loans or leases.
  
  
• Cash plan: Pair capex with Working Capital or ABL to cover inventory and labour.
  
  

Model payments in minutes

Use the calculator to compare:

• 60 vs 72 months on a forklift loan vs a lease with a modest buyout (e.g., ~10%).
  
  
• Rolling racking + conveyors into one facility vs drawing in phases under an E-LOC.
  
  
• A sale-leaseback on owned lifts to fund new automation.
  
  

Documentation checklist for a 24–48h decision

Government ID and void cheque; business registration/HST; last 3–6 months bank statements (personal if startup); equipment quotes/specs (forklift hours, battery type, racking layout/drawings); insurance broker contact and target bind date; brief volume/throughput snapshot. Send via Contact Us.

Case study: 3PL peak-season upgrade, no cash crunch

A GTA 3PL needed reach trucks, new racking, and two dock levelers ahead of Q4. We blended a lease for the lifts (10% buyout), a loan for racking/docks, and an E-LOC for phased conveyor add-ons. A small working capital top-up covered temp labour and batteries. All pieces funded within two weeks; monthly outlay ~11% lower than an all-loan plan while keeping liquidity for inventory turns.

FAQs

Do you finance used forklifts and racking?
Yes—subject to condition, engineering, and documentation. Start at Eligible Equipment.

Can soft costs be included?
Often yes: rigging, install, batteries/chargers, permits, and training can be rolled into loans or leases.

What if my project installs in phases?
Use an E-LOC to draw per delivery and keep paperwork light.

Do startups get approved?
Frequently—with LOIs/contracts, clean banking, and a sensible contribution. See In-House Financing; some files may also fit CSBFP.

Can I unlock cash from existing lifts?
Yes—consider Refinancing & Sale-Leaseback.

How fast is funding?
With a complete package, many approvals turn in 24–48 hours, subject to credit and asset review. Start via Contact Us.

Run your numbers in the Equipment Financing Calculator, compare Loans vs Leases, or stage a phased rollout with an E-LOC. Feel free to contact our credit analysts—we’ll tailor terms to your throughput, seasonality, and growth plan.

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