How fast can I get approved and funded?

Most complete equipment files receive same-day pre-approval, with typical funding in 24-48 hours.

What credit profiles do you consider?

We work across a wide range of credit profiles, including thin files and past challenges, with stronger terms for higher-quality files.

Do you finance used equipment and private sales?

Yes - new, used, dealer, and private-sale equipment are all considered, subject to appraisal and approval criteria.

What documents are needed?

Typically a completed application, government ID, 3-6 months bank statements, invoice/quote, and equipment details; additional items may be requested.

Which regions do you serve?

Nationwide across all Canadian provinces and territories, with high coverage in ON, QC, AB, and BC.

Can I unlock cash from owned equipment?

Yes - our sale-leaseback program lets you access equity tied up in owned assets to improve cash flow.

Mehmi Financial Group | Equipment & Business Financing in Canada

Ce que disent nos clients

Avis Google

Lites-nous un examen !

Je suis vraiment satisfait du service qui a été fourni. La communication était excellente et nous renvoyons n'importe qui pour obtenir du financement ou de la location de leur part.

Bassin de Harpreet

il y a 1 semaines

Zora nous a aidés à financer notre flotte de camions commerciaux et de remorques à Windsor et a gardé le processus clair et organisé. Nous avons obtenu une approbation préalable en 48 heures environ, et les conditions correspondaient à celles dont j'avais besoin pour les flux de trésorerie. Je les recommanderais aux propriétaires d'entreprises canadiennes qui veulent un financement simple pour les camions.

Emily Shleyfman

il y a 2 semaines

J'ai eu une excellente expérience avec Mehmi Financial Group ! L'équipe a fait en sorte que le processus d'obtention de la qualification pour un prêt d'équipement soit fluide et sans stress. Ils étaient professionnels, réactifs et ont vraiment pris le temps de comprendre mes besoins. Je le recommande vivement à tous ceux qui recherchent un financement d'équipement fiable et efficace au Canada !

Azaan Popat

il y a 3 semaines

J'ai refinancé notre équipement avec des conditions flexibles et un acompte moins élevé, même lorsque les banques voulaient que j'en mette beaucoup plus à l'avance. Excellente entreprise avec laquelle travailler.

pierina pezan

il y a 3 semaines

Nous avons mis en place un programme de fournisseurs avec Mehmi Financial Group afin de pouvoir offrir la location à nos clients au point de vente. David nous a guidé tout au long du processus, tout expliqué et a facilité l'approbation de nos clients sans délai.

Aaron Vasant

il y a 3 semaines

Mehmi Financial Group a aidé notre entreprise ontarienne à obtenir du financement d'équipement rapidement et avec un minimum d'allers-retours. Des conseils clairs, une équipe réactive et des conditions qui correspondent à notre budget.

Sterling Phénix

il y a 4 semaines

4.8

de plus en plus

Examens

Mehmi Financial Group a Canadian Company

FAQs

Clear answers on approvals, credit checks, down payments, documents, timelines, and financing options.

Get in touch

How fast can I actually get approved and funded?

Most people get a decision in just 1–2 days, and the money lands in your account 1–2 days after that. So from start to finish, you could be funded in under a week — way faster than a bank, which can take 4–6 weeks or more.To keep things moving quickly, have these ready before you apply: your business bank statements from the last 3–6 months (PDF format works best), an invoice or price quote for the equipment you want, and proof of insurance on the asset. If you're buying used equipment or purchasing from a private seller, expect an extra day or two — they'll need to do a lien search (to make sure nobody else has a claim on it), verify the serial number or VIN, and possibly do an inspection. The bottom line? The faster you get your paperwork together, the faster you get our money. Mehmi's whole system is built around cutting out the delays and red tape that make bank financing so painfully slow.

What will this actually cost me - rates, fees, and total transparency?

For businesses with decent credit, rates typically land between 5–14%. If your credit is rougher or you need money fast with fewer questions asked, expect 8–25% — you're paying more for speed and flexibility.
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Here's what matters: there are no upfront fees just to get a quote or apply, and the initial credit check is a "soft pull," meaning it won't ding your credit score. That said, before you sign anything, make sure you ask for and understand the full picture — the total interest over the life of the loan, any origination or document fees, what happens if you want to pay it off early, what the buyout amount is at the end (if it's a lease), and how GST/HST applies to your payments.
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Watch out for lenders who bury costs in vague "admin charges." In Canada, all fees count toward the legal interest rate cap of 35% APR. If something feels hidden, it probably is. A good broker will show you the real effective APR — not just a low-sounding monthly payment that hides the true cost.

Can I qualify if I have bruised credit, limited time in business, or I've been declined by my bank?

In most cases, yes — and you're not alone. About one out of every three small business loan applications gets turned down by banks in Canada. Mehmi is specifically set up to help the people banks say no to: startups, owner-operators with thin credit files, businesses with CRA (tax) debts, seasonal businesses with uneven cash flow, and industries that banks consider too risky — like trucking, hospitality, and construction sub-trades.
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The trade-off? You might need to put more money down, accept a shorter repayment term, offer a personal guarantee, or provide stronger collateral. But here's the key — the equipment you're buying matters more than your credit score. A truck, CNC machine, or trailer that holds its value and generates income can carry a deal even when the borrower's credit history isn't great.
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What helps your case: a solid down payment, proof of contracts or steady revenue, a bank account that's been active for a while, and a clear story about how this equipment will pay for itself. Lenders look at the whole picture — the "5 Cs" (character, capacity, capital, collateral, and conditions) — not just a single number from a credit bureau.

What collateral, personal guarantees, and documents do I actually need?

For equipment financing, the equipment itself is usually the main collateral. The lender registers a lien on it through something called a PPSA registration (or RDPRM in Québec), which basically means they have a legal claim on the asset until you pay it off. For working capital loans (money for day-to-day operations), lenders look at your accounts receivable (money customers owe you), your inventory, and any equipment you already own.
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Personal guarantees are standard for small business deals. That means if your business can't pay, you're personally on the hook. The terms can sometimes be negotiated, but they're rarely dropped completely.
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Here's what you should have ready before you even ask for a quote: 3–6 months of business bank statements, a copy of your driver's licence or government-issued ID, your most recent financial statements or tax returns (if you have them), the equipment invoice or quote showing specs, price, and serial number, and a short paragraph explaining how this piece of equipment will help your business make money.
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Pro tip: a clean, complete file doesn't just speed things up — it can actually get you a better rate. Lenders see missing documents as a risk, and risk costs money. Show them you're organized, and you'll likely get a better deal.

What is Mehmi's vendor program, and how does it work if I sell or manufacture equipment?

If you sell, manufacture, or distribute equipment, Mehmi's vendor program lets you offer your customers financing right at the point of sale — branded under your company's name. Think of it like how car dealerships offer financing: your customer picks the equipment, fills out a quick application, and gets approved without ever leaving your showroom or website.
Behind the scenes, Mehmi does all the work.

They assign a dedicated credit analyst to your deals, match each customer to the best fit among 30+ lenders, handle all the paperwork, and get approvals back in 24–48 hours. You get paid as soon as the deal closes, and you take on zero risk — no collections, no balance sheet exposure.
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The program covers a wide range of equipment types: trucks and trailers, construction and heavy equipment, CNC and industrial machinery, agricultural equipment, material handling, medical and dental equipment, and restaurant equipment.
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Why bother? The numbers speak for themselves. About 60% of Canadian small businesses use financing or leasing to buy equipment. Dealers who quote a monthly payment instead of just a sticker price typically see an 8–12% bump in sales.

There's no setup cost and no complicated tech integration needed — Mehmi builds it to fit right into your existing sales process and even trains your sales team on how to lead with payment options instead of price.

What is Mehmi's sub-broker program, and can I refer deals if I'm an agent, accountant, or smaller broker?

Mehmi's sub-broker program is designed for anyone who regularly talks to business owners who need financing — independent brokers, mortgage agents, accountants, financial consultants, equipment dealers, and even ex-bankers. You don't need any prior experience in equipment finance to participate.
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Here's how it works: you sign up through Mehmi's contact page, then submit deals through their secure portal whenever you come across a client who needs financing. Mehmi takes it from there — they handle the underwriting, match the client to the right lender from their network of 150+ partners (plus their own in-house lending), manage all the compliance and documentation, and fund the deal. Approvals come back in 24–48 hours on qualified files, and your commission (typically 3–8% per funded deal, higher on working capital) gets paid within days of funding.
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You can even white-label the service, meaning your clients see your brand throughout the process — they never need to know Mehmi is working behind the scenes.
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The income potential is real. Mehmi says active sub-brokers earn between $180,000 and $360,000 per year, and high-volume partners who also build vendor relationships can clear over $500,000. You get the earning power of commercial finance without having to build your own lender relationships, hire credit analysts, or set up compliance systems — which is a big deal in Canada, where commercial equipment financing isn't heavily regulated at the broker level but still requires serious documentation discipline for larger deals.

Bienvenue dans votre solution de financement et de location d'équipement au Canada

Capacités

Working Capital Loans

Refinancing & Sale Leaseback

Equipment Financing

Invoice & Freight Factoring

Vendor Programs

Commercial Repair Financing

Industries que nous servons

Transport et camionnage

Équipement industriel et de construction

Fabrication, y compris CNC et entreposage

Médecins, dentaires et mieux-être

Agriculture et agriculture

Bureau, technologie et commerce de détail

Ressources naturelles et énergie

Aéronautique et aérospatiale

Services alimentaires, Restaurants et camions de restauration

Reconnu par les entreprises partout au Canada pour le financement de ventes privées, d'enchères, d'équipement usagé et d'entreprises à forte intensité d'actifs.

Pourquoi les entreprises canadiennes choisissent Mehmi GroupMehmi Financial Group

Notre processus

Ce que disent nos clients

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