Can I get approved for truck financing with bad credit or limited history?

Yes. We work with owner-operators, carriers, and logistics companies across Canada with a wide range of credit profiles — including startups and drivers rebuilding credit.

Do you finance trucks or trailers from private sellers and auctions?

Absolutely. We provide private-sale truck financing and trailer loans for units purchased through auctions, classifieds, and direct owners — not just dealerships.

How fast can I get approved and funded for equipment financing?

Most equipment loans and working capital advances are approved within 24–48 hours after receiving documents. Our process is streamlined for transportation companies.

Can I get pre-approved before shopping for a truck, trailer, or cargo van?

Yes. Pre-approvals give you a clear budget so you can confidently negotiate pricing — whether it’s a new, used, or private-sale unit.

Do you offer $0 down or low down payment truck loans?

We offer low- or no-money-down options on approved credit and qualifying equipment — especially for newer trucks or trailers with strong resale value.

Can you finance older trucks or high-mileage transportation equipment?

Yes — we assess the asset’s resale value, condition, and utility for commercial use. If it’s roadworthy and supports your operations, we’ll consider it.

Do you offer freight factoring or working capital for trucking businesses?

Yes. We offer invoice factoring, fuel advances, and working capital loans to help Canadian carriers bridge 30–90 day payment delays from brokers and shippers.

Construction & Contractor Financing Canada

Fast, flexible loans and leases for excavators, skid steers, trenchers, loaders, and other heavy equipment used in construction and contracting.

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Equipment for Sale

We Understand the Challenges

Canadian contractors and construction companies face rising equipment costs, tight cash flow, and delays between jobs. From buying your first excavator to scaling a commercial operation, project delays and seasonal slowdowns make it hard to maintain working capital.

At Mehmi Financial Group, we offer construction equipment loans, leases, and working capital solutions designed specifically for contractors. Whether you're a general contractor, home builder, or trades business, we help you acquire equipment, unlock cash flow, and grow your business — without relying on rigid bank loans.

Heavy equipment is expensive to acquire

Upfront costs for machines can exceed $50K–$200K. Financing helps preserve capital.

Projects pay in stages or withhold retainers

You can’t afford to wait 60–90 days for progress payments.

Unexpected repairs, delays, or downtime

Maintain liquidity to handle curveballs without halting operations.

Flexible Capital for Every Jobsite

Heavy Equipment Financing

Lease or loan excavators, loaders, dump trucks, and more — new, used, or private-sale.
→ Explore Equipment Loans

Jobsite & Warehouse Equipment

Finance compressors, generators, racking, power tools, and construction tech.
→ Explore Equipment Loans

Working Capital & Invoice Factoring

Bridge slow payments or finance job materials upfront.
→ Explore Working Capital
→ Explore Invoice Factoring

Eligible Equipment

Trucks & Trailers

Dump Trucks
Service Body Trucks
Flatbed Trucks
Utility Trucks
Crane Trucks
Tilt Deck Trailers
Tag Trailers
Gooseneck Trailers
Cargo Vans
Roll-Off Trucks

Material Handling & Tools

Air Compressors
Concrete Mixers
Generators
Jackhammers
Forklifts
Scissor Lifts
Telehandlers
Welding Machines
Pallet Jacks
Heaters

Support & Tech

Fuel Tanks
Fleet Telematics
Maintenance Trailers
Surveying Equipment
GPS Systems
Mobile Office Trailers
Jobsite Cameras
Lighting Towers
Water Trucks
Debris Chutes

Why Canadian Businesses Choose Mehmi Group

Expert help all the way.
Our expert team guides you every step of the way and is available 24/7—real people, not a call centre—for any payment help you need.
Faster, easier approvals.
‍Our 150-plus lender network fights for your deal, so you get quick yeses and flexible terms—often in 24-48 hours.
We find the gear for you.
No truck or excavator yet? We’ll source the right equipment at a sharp price and handle the private-sale paperwork.

Why Choose Mehmi Financial Group Over Traditional Options?

Feature	Mehmi Financial Group	Banks	Dealers
Approval Speed	24–48 hours	1–3 weeks	3–10 days
Eligible Assets	New, used, private-sale	Limited types	Dealer inventory only
Credit Flexibility	All credit types welcome	700+ preferred	650+ preferred
Programs Offered	Equipment, working capital	Equipment only	Equipment only
Support	1:1 service, real people	Branch reps or call center	Sales-focused reps only
Coverage	All provinces	Most provinces	Depends on location

FAQ: Got Questions? We’re Straightforward.

Can I get a construction loan with bad credit or no history?

Yes. We work with new contractors, startups, and business owners recovering from credit challenges.

Do you finance used or private-sale construction equipment?

Absolutely. We finance machines purchased from classifieds, dealers, auctions, or private sellers.

How fast can I get funding for construction equipment?

Most deals are funded within 24–48 hours once documents are submitted.

Can I get pre-approved before I shop for equipment?

Yes. Pre-approvals let you shop confidently and negotiate better deals.

Do you offer zero-down or low-down payment construction loans?

Yes — for qualified applicants depending on credit and asset value.

Can I finance older heavy equipment?

Yes, as long as the asset is well-maintained and has useful working life left.

Do you offer working capital or invoice factoring for contractors?

Yes — we finance slow payments, bridge materials costs, and help stabilize cash flow.

Trusted by Businesses
Across Canada

24–48 hr approval

All credit types welcome

Serving Canada nationwide

3 Steps. No Surprises.

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

Find the Equipment you need

Whether it be an individual's private sale or equipment listed by a dealer, there are numerous options available.

Browse Used Equipment

Get In Touch

An all-in-one customer service platform that helps you balance everything your customers need to be happy.

Get Approved

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

Construction & Contractor Financing Canada