Growth Without Cash-Flow Bottlenecks

When opportunity hits — whether it’s a large purchase order, opening a new location, or preparing for a seasonal ramp-up — expenses arrive before revenue. Without financing, even profitable businesses can feel stuck.

Mehmi’s Working Capital Loans are designed to bridge that gap, helping Canadian SMEs grow without starving daily operations. Funds can be deployed in as little as 24–48 hours on straightforward applications, keeping your business moving when timing matters most.

Common use cases include:

• Bulk inventory buys and supplier deposits
• Payroll during hiring sprints or seasonal surges
• Freight and shipping costs on new contracts
• Marketing pushes to capture peak demand
• Contract mobilization (materials, equipment, labour)

👉 Run quick numbers with our Payment Calculator to model 6, 12, or 18-month scenarios.

Why Canadian SMEs Choose Mehmi

• 24–48h credit decisions on complete, organized files
• Facilities matched to your cash cycle (6–24 month terms)
• Unsecured or secured options to balance speed and pricing
• One application, multiple lenders — from banks to alternative funders
• Credit-analyst guidance from the first call through funding

Explore full details: Working Capital Loan.

What You Can Fund Immediately

• Launch or Expansion Costs – signage, deposits, opening inventory
• Contract Mobilization – labour, freight, equipment rentals
• Seasonal Prep – stock, marketing, supplier early-pay discounts
• Short-Term Hiring & Marketing Sprints – fuel growth without waiting for receivables

If assets are part of your plan, pair a working capital loan with Equipment Loans or Equipment Leases. This keeps operating cash free for people and product movement while assets are financed separately.

How It Works

1. Model Your Payment – run scenarios in our calculator (6, 12, 18 months).
2. Apply Online – submit 3–6 months of business bank statements.
3. Fast Decision – most clean files receive a decision in 24–48h.
4. E-Sign & Fund – funds arrive quickly, ready for payroll, suppliers, or expansion.

👉 For reusable access, consider a Business Line of Credit.
👉 For slow-paying customers, add Invoice/Freight Factoring.

Pick the Right Tool for Your Cash Cycle

Different financing products fit different growth cycles:

IIndustries we help most

• Transportation & Trucking: fuel, tires, driver onboarding. Learn more
  
  
• Construction & Contractors: mobilization, materials, permits. Learn more
  
  
• Manufacturing & Wholesale: raw materials and AR gaps. Learn more
  
  
• Hospitality & Food Service: pre-opening and seasonal stock. Learn more
  
  
• Medical, Dental & Wellness: tenant improvements and launch staffing. Learn more
  
  

What underwriters expect (so you fund faster)

• 3–6 months business bank statements (PDFs, all operating accounts)
  
  
• A short use-of-funds paragraph tied to revenue or cost savings
  
  
• Quotes/POs/contracts if applicable
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• For price-sensitive files, consider Secured; for speed, see Unsecured
  

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FAQ

How fast can I be approved?
Most straightforward applications receive decisions in 24–48 hours once files are complete.

How much can I qualify for?
Facilities are sized to recent deposits, margins, and project timing. Larger loans can be refinanced into lower-cost programs later.

Is this better than a line of credit?
For a one-time project, a loan provides simple, fixed payments. For ongoing cycles, a Line of Credit is more reusable.

Can startups qualify?
Yes. Approval depends on structure: modest amounts, shorter terms, and strong personal credit improve the odds. Pairing with Equipment Financing strengthens applications.

Final Thoughts

Cash-flow gaps shouldn’t stall growth. Whether you’re preparing for a seasonal surge, mobilizing a new contract, or staffing up, Mehmi’s Working Capital Loans provide the speed and flexibility Canadian SMEs need.

With 24–48h approvals, tailored terms, and access to multiple lenders through one application, you can act on opportunities before they pass.

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Feel free to contact our credit analysts via Contact Us or model your plan in the calculator.

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