Business Lines of Credit for Canadian Companies

Access flexible, revolving credit to manage cash flow, cover expenses, or seize new opportunities — even if you've been turned down by a bank.

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Camion disponible à la location au Canada

Options de location flexibles pour faire croître votre entreprise

Gardez votre argent. Obtenez votre équipement. Gardez le contrôle.
Le crédit-bail vous permet
  • Paiements mensuels moins élevés
  • Pas de coûts initiaux massifs
  • Option de mise à niveau, de retour ou d'achat à la fin du bail
  • Disponible pour les camions et l'équipement neufs ou usagés

Prêts d'équipement simples pour la propriété immédiate

Possèdent la propriété. Renforcer l'équité. Développez votre entreprise.
Les prêts vous donnent
With Mehmi Line of Credit, You Can:
  • Possèdent votre camion ou votre équipement dès le premier jour
  • Modalités de prêt fixes ou flexibles
  • Des tarifs concurrentiels, même pour les petites entreprises
  • Créez des actifs précieux pour votre bilan
Parfait si vous voulez :
  • Investir dans la croissance à long terme
  • Pour posséder et contrôler votre équipement
  • Pour constituer des capitaux propres, vous pourrez utiliser plus tard pour obtenir plus de financement

Why Choose Mehmi for Business Lines of Credit?

At Mehmi Financial Group, we make it easy for Canadian businesses to access flexible working capital — fast. Whether you're dealing with slow-paying clients, seasonal dips, or a short-term growth opportunity, our business line of credit solutions help you stay ahead of cash flow challenges without locking into long-term debt.

Our team specializes in supporting entrepreneurs, contractors, retailers, and service providers who often struggle to get approved by traditional banks. We offer tailored solutions for startups, low-credit borrowers, and businesses with unpredictable revenue cycles — because we know how fast business needs can change.

Trusted by small business owners across Canada, Mehmi’s revolving credit lines give you the flexibility to draw funds when you need them, and repay on terms that fit your operations.
  • Access up to $5,000,000 in revolving working capital
  • Get approved in 24–48 hours, even with limited credit history
  • Draw and repay as needed — reuse your limit without reapplying
  • Transparent terms — no hidden fees or surprises
  • Personalized support from Canadian financing experts
Manage Cash Flow — Business Lines of Credit Made Easy

Des options de prêt flexibles qui vous permettent de prendre la propriété entre vos mains, sans le stress initial. Nous vous aidons à financer des camions, des remorques ou de l'équipement grâce à des approbations rapides et des paiements adaptés à votre flux de trésorerie.

Whether it’s covering payroll, smoothing seasonal slowdowns, or jumping on a new opportunity, our business line of credit puts you in control.
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Emprunter jusqu'à 500 000$

Revolving access — draw funds anytime

Only pay interest on what you useTerms up to 72 months

Funds in as little as 24–48 hours
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Approbation de prêts d'équipement lourd Canada

Ce que vous pouvez louer ou financer avec Mehmi Financial Group

A business line of credit gives you flexible access to working capital — so you can draw funds when you need them, repay, and reuse. Perfect for managing cash flow, seizing time-sensitive opportunities, or covering short-term costs without committing to a lump-sum loan.
  • Construction & Contracting:
    Pay subcontractors, cover delays, order supplies without waiting for invoices to clear
  • Trucking & Transportation:
    Manage fuel, repairs, and insurance gaps between pay runs or freight payments
  • Retail & Wholesale:
    Restock inventory, pay vendors early for discounts, bridge seasonal lulls
  • Restaurants & Food Service:
    Handle equipment fixes, food supply costs, or payroll during off-peak months
  • Farming & Agriculture:
    Buy feed, fertilizer, or parts while waiting on crop payments or government cheques
  • Medical & Dental Clinics:
    Cover overhead while waiting for insurance payments or invest in small upgrades
  • Startups & Growth-Stage Businesses:
    React quickly to growth opportunities without waiting on approvals
Nouveaux ou usagés — nous vous aidons à trouver les meilleures offres.

Who Qualifies for a Business Line of Credit?

Voici ce dont vous avez besoin :

  • Revenu mensuel de 2 000$ ou plus
  • Preuve de pièce d'identité, de revenu et d'adresse
  • Mauvais crédit ? Pas de problème — nous nous spécialisons dans le bon fonctionnement des approbations

Appliquer en moins de 5 minutes.

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Documents requis

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Preuve d'identité
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Preuve de revenu
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Preuve d'adresse
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Détails du compte bancaire

3 Steps. No Surprises.

The Mehmi Financial Group experience is simple, quick, and customized to your financial needs.
1

Check Your Eligibility

We'll assess your business revenue, time in operation, and credit profile to match you with the best line of credit options from our lender network.
Talk to a Specialist
2

Submit Your Application

Upload a few key documents like bank statements, business ID, and your credit app — we’ll handle the rest and shop the best rates for you.
3

Get Approved & Draw When Needed

Once approved, draw funds only when you need them — with interest charged only on what you use. Perfect for short-term needs or cash flow gaps.

Business Line of Credit vs Working Capital Loan vs Merchant Cash Advance

Feature Business Line of Credit Working Capital Loan Merchant Cash Advance (MCA)
Best For Ongoing expenses, short-term gaps, and flexible access to funds Payroll, inventory, seasonal needs, and general business operations Fast access to funds based on daily debit/credit card sales
How It Works Draw from a revolving credit limit and repay as needed Receive a lump sum, repay in fixed installments Advance repaid daily as a percentage of card sales
Repayment Interest-only on drawn funds; reuses available credit Fixed monthly or weekly payments Automatic daily deductions tied to revenue
Speed of Funding 24–72 hours after approval 24–48 hours after approval Same day to 48 hours
Costs & Fees Interest + optional draw/maintenance fees Fixed interest or flat fee Higher cost via factor rate (no interest)
Credit Flexibility Moderate to high — revenue stability preferred Flexible — available to most credit types Lower credit accepted if card volume is strong
Tax Deductibility Interest is usually tax-deductible Interest typically deductible Fees may be deductible as business expenses

*Always consult your tax advisor for accurate treatment of financing costs.

FAQ: Got Questions? We’re Straightforward.

Can I qualify for a business line of credit with bad credit or a short business history?

Yes. We work with Canadian businesses across a range of credit profiles — including newer companies, low-credit applicants, and those recovering from past financial setbacks. If you have steady revenue or strong business activity, we’ll work to find you flexible options through our lending network.

How fast can I get approved and start using my business line of credit?

Most approvals happen in 24–48 hours. Once you're approved, you can draw funds on demand — no need to reapply each time. The line remains open for future use, making it ideal for managing short-term cash needs or unexpected expenses.

Do I only pay interest on the money I use?

Yes. With a business line of credit, you only pay interest on the amount you draw — not your full credit limit. Repayments replenish your available balance, so you can reuse funds as needed without reapplying.

What can I use a business line of credit for?

Use it for anything your business needs: covering payroll, smoothing out cash flow, purchasing inventory, handling seasonal slowdowns, or jumping on time-sensitive opportunities. It’s flexible funding designed around your cash cycle.

Do you offer secured or unsecured lines of credit?

Yes. We offer both. If you prefer to avoid collateral, we can explore unsecured options. If you have assets like equipment, real estate, or strong receivables, a secured LOC may provide higher limits and better rates.

Can startups or small businesses get a line of credit?

Absolutely. If you’ve been operating for at least 6 months and have consistent revenue, you may qualify. We help Canadian entrepreneurs of all sizes — including small businesses — secure revolving credit to support their growth.

How is a business line of credit different from a term loan?

A line of credit is revolving — you can draw, repay, and reuse funds as needed. A term loan gives you a fixed amount upfront with regular scheduled payments. LOCs are better for short-term or recurring needs, while term loans suit larger, one-time investments.

Trusted by Businesses
Across Canada

24–48 hr approval
All credit types welcome
Serving Canada nationwide

Let’s Keep Your Cash Flow Moving

Need flexible working capital to manage expenses or jump on a new opportunity? Let’s talk.
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