Working Capital Loans for Canadian Businesses

Get flexible funding to manage operating expenses like payroll, inventory, repairs, or marketing - even during seasonal slowdowns or unexpected dips. Whether you're a startup or an established business, our working capital loans are designed to meet your cash flow needs fast.

Commencer
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 Working Capital Loans, 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 Working Capital Loans?

At Mehmi Financial Group, we specialize in fast, flexible equipment loans for Canadian businesses. Whether you're financing trucks, trailers, excavators, medical devices, or other commercial equipment — we help you secure the capital you need without giving up ownership.

Our team understands the realities of growing a business, especially when banks say no. That’s why we offer equipment loan solutions for new, used, and even private-sale equipment — with approval options for startups, low credit, and owner-operators.

We’re trusted by contractors, fleet managers, manufacturers, and small business owners across Canada because we make equipment financing simple, affordable, and tailored to your cash flow.
  • Fast approvals with minimal paperwork
  • Access to 100+ non-bank lenders and private funders
  • Support for all credit types, including startups
  • Transparent fees — no hidden costs
Fuel Your Business — Working Capital Loans Made Simple

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.
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Emprunter jusqu'à 500 000$

Use for payroll, inventory, invoices, repairs, or expansion

Dénalités jusqu'à 72 mois

Fonds dans les 48 heures24–48 hours
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CommencerCommuniquez avec nous
Approbation de prêts d'équipement lourd Canada

Ce que vous pouvez louer ou financer avec Mehmi Financial Group

Our working capital loans help Canadian businesses cover essential operating costs, manage seasonal dips, and fuel day-to-day growth — without giving up equity. Whether you're facing a short-term cash crunch or planning for expansion, we make funding simple and fast.
  • Payroll & Hiring:
    Cover staff wages, onboard new employees, or handle seasonal labour increases
  • Inventory & Supplies:
    Stock up ahead of peak seasons, purchase raw materials, or secure bulk discounts
  • Fuel, Repairs & Maintenance:
    Keep trucks, equipment, or facilities running smoothly with flexible repair funding
  • Marketing & Sales Growth:
    Invest in advertising, digital marketing, or new client outreach to increase revenue
  • Bridge Gaps in Customer Payments:
    Manage cash flow delays from clients or long invoice cycles with working capital support
  • Emergency & Opportunity Funding:
    Handle unexpected expenses — or seize limited-time opportunities — with fast approvals

Who Qualifies for an Equipment Loan?

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.

Postulez maintenant

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

Tell Us What You Need

Whether it's payroll, inventory, or a seasonal cash flow boost — share your funding needs so we can align the right solution.
2

Speak with a Specialist

A quick consultation helps us tailor your loan based on your revenue, goals, and comfort zone.
3

Get Approved

Secure approval and funding in as little as 24–48 hours with flexible terms.

Working Capital Loan vs Line of Credit vs Merchant Cash Advance: What’s Right for Your Business?

Feature Working Capital Loan Line of Credit Merchant Cash Advance
Best For Covering payroll, inventory, rent, or expansion Managing cash flow or emergency needs Fast funding tied to daily credit card sales
Repayment Structure Fixed payments over 6–24 months Only pay interest on funds used Daily or weekly % of future sales
Speed to Funding 1–3 business days Instant access once approved Same-day or next-day funding
Flexibility Set amount, predictable schedule Draw only what you need, when you need Repayment adjusts with sales volume
Credit Requirements Flexible; options for low credit Typically stronger credit required Low credit accepted if sales volume is strong
Cost of Capital Moderate to low (depending on term) Low interest if used wisely Higher cost; fast access premium
Usage Limits Use for any business purpose Flexible use across multiple needs Typically used for short-term working capital

*Terms and approval vary by lender. Always consult your advisor before applying.

FAQ: Got Questions? We’re Straightforward.

Can I get a working capital loan with bad credit or limited credit history?

Yes. Mehmi Financial Group works with Canadian small businesses across all credit profiles — including startups, low-credit borrowers, and those recovering from financial challenges. Our lender network includes flexible programs designed to prioritize cash flow and business potential over just credit score.

How fast can I get approved and funded for a working capital loan?

Most working capital loans are approved within 24–72 hours. Funding can follow in as little as 1 business day after submitting the required documents. Timing depends on loan size, industry, and credit file completeness.

What can I use a working capital loan for?

Working capital financing can be used for payroll, inventory, vendor payments, equipment repairs, marketing campaigns, or seasonal expenses. These loans are flexible and designed to cover short-term gaps without sacrificing long-term growth.

Do I need collateral to qualify for a working capital loan?

Not always. Many working capital loans are unsecured, meaning you don’t need to pledge specific assets. However, stronger credit or revenue can help qualify for larger loan amounts without collateral. For bigger approvals, we can also secure the loan against assets or receivables.

What’s the difference between a working capital loan and a line of credit?

A working capital loan is a fixed lump sum repaid over a set term, while a line of credit allows you to draw funds as needed up to a limit. Both options support cash flow but serve slightly different use cases. We’ll help you choose what works best based on timing and flexibility needs.

Can I qualify if I’m a startup or recently incorporated?

Yes. Some lenders consider businesses with as little as 3–6 months of operating history if there’s strong cash flow, contracts, or a co-signer. We specialize in helping new and growing businesses access capital when traditional banks won’t.

How much can I borrow through a working capital loan?

Typical loan amounts range from $20,000 to $5,000,000 depending on your monthly revenue, business age, and repayment ability. We’ll match you with the right lender based on your goals and eligibility.

Trusted by Businesses
Across Canada

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

Let’s Get You Funded

Ready to finance your next truck, trailer, or expansion project? Let’s talk.
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