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.

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.

Farming & Agriculture

We Know the Pressures You're Facing

Canadian farmers and agriculture operators work in a volatile environment — rising fuel, fertilizer, and equipment costs, unpredictable seasons, and long waits for government or distributor payments. These cash flow pressures can choke operations at the worst times.

At Mehmi Financial Group, we provide tailored farm equipment financing, seasonal working capital, and private-sale funding designed for Canada's agricultural economy. Whether you run a family farm or a large commercial operation, we help you get equipment funded, access capital fast, and grow with confidence.

Equipment & Input Costs Rising

Machinery, fertilizer, and diesel keep getting more expensive. You need capital to keep operations stable.

Delayed Payments

Grain buyers, processors, and government programs can take 45–90 days to pay. That’s too long when payroll or planting can’t wait.

Used or Auction Equipment?

Found a deal on a tractor, sprayer, or baler? We finance equipment from private sellers, classifieds, and auctions — not just dealerships.

Flexible Capital for Every Part of Your Operation

Family Farms

Finance your next tractor, harvester, or irrigation system — whether it’s new, used, or a private sale.Lease or loan your next unit. New, used, or private sale.
→ Explore Truck Financing

Agri-Business & Processing

Lease or loan forklifts, conveyors, cold storage, or packing lines to scale your agri-processing operation.Fund forklifts, racking, pallets, and tech.
→ Explore Equipment Loans

Seasonal Operators

Bridge the gap between harvest and payment with invoice factoring or working capital for seed, feed, or labour.Unlock cash from invoices or bridge seasonal gaps.
→ Explore Working Capital
→ Explore Freight Factoring

Eligible Equipment

Farm Vehicles & Transportation

Tractors (2WD, 4WD, Row Crop, Compact)
Combine Harvesters
Grain Trucks & Tender Trucks
Utility Vehicles (UTVs, Side-by-Sides)
Cab & Chassis Units
Pickup Trucks (Farm Use)
Livestock Transport Trucks
ATVs (Agricultural Use)
Skid Steers

Implements & Attachments

Seed Drills & Planters
Sprayers (Boom, Self-Propelled)
Balers (Round, Square)
Mowers & Conditioners
Rakes & Tedders
Harrows, Plows, Cultivators
Front-End Loaders
Generators & Power Units

Trailers & Hauling

Grain Trailers
Fuel Tanks & Mobile Fuel Trailers
Livestock Trailers
Flatbed Trailers
Gooseneck Trailers
Utility & Dump Trailers
Enclosed Cargo Trailers

Facility & Processing Equipment

Grain Bins & Silos
Feed Mixers & Grinders
Irrigation Systems
Cold Storage Units
Conveyors & Augers
Milking Parlour Equipment
Packing & Sorting Lines

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	Dealership Financing
Approval Time	24–48 hours	1–3 weeks	3–10 days
Eligible Equipment	Tractors, harvesters, sprayers, trailers, UTVs, private-sale units	Limited ag equipment types	Only dealer-owned inventory
Credit Flexibility	All credit types considered, including seasonal income	Typically 700+ credit score	650+ preferred
Financing Programs	Farm equipment, trucks, barns, working capital, factoring	Farm loans only	Equipment only
Customer Support	Real people, farm-savvy reps, available 24/7	Branch-based, limited hours	Sales-focused only
Rural & Remote Access	Yes — farms, rural land, and out-of-province support	May be limited by branch access	Depends on franchise location

FAQ: Got Questions? We’re Straightforward.

Can I get approved with bad credit or limited farm history?

Yes. We work with farm owners and agricultural businesses across a wide range of credit profiles — including startups, new operators, and those recovering from past credit issues.

Do you finance equipment from private sellers, auctions, or used inventory?

Absolutely. We finance tractors, harvesters, and ag equipment purchased through auctions, classifieds, and private sellers — not just dealerships.

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

Most agricultural equipment loans and working capital advances are approved within 24–48 hours after receiving documents. We streamline the process for farmers and agribusinesses.

Can I get pre-approved before shopping for a tractor, sprayer, or combine?

Yes. Pre-approvals help you understand your budget so you can negotiate confidently — whether you're buying new, used, or private-sale equipment.

Do you offer $0 down or low down payment programs for farmers?

Yes. Depending on your credit, cash flow, and the value of your ag equipment, we offer low or no down payment options for qualified farmers.

Can you finance older farm equipment or high-hour units?

Yes — we evaluate the equipment’s resale value, hours, and utility. If it’s field-ready and supports your operations, we’ll consider it.

Do you offer working capital or crop advance solutions?

Yes. We offer invoice factoring, seasonal working capital, and cash-flow financing to help farms bridge gaps between harvests, deliveries, and payments.

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 Trucks

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.

Farming & Agriculture Financing Canada