Food service, Resturants & Food Trucks Financing in Canada

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Food Service, Restaurant & Food Truck Industry

Running a food service business is exciting but challenging—especially when equipment upgrades, seasonal fluctuations, and unexpected expenses threaten your cash flow and operational stability. At MehmiGroup, we specialize in financing solutions crafted specifically for restaurants, food trucks, catering businesses, and food service operators throughout Canada.
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Whether you're starting a brand-new venture, expanding your current restaurant, or upgrading your food truck, we provide flexible financing designed to meet your unique needs and timelines, helping your culinary dreams thrive.

What We Finance in Food Service & Hospitality

Leasing & Loans
Working Capital Loans
Invoice Factoring
Refinancing
Engine and Equipment Repair

Equipment Leasing & Loans

Essential kitchen equipment is the heart of your food business. Our leasing and financing options enable you to upgrade or acquire new equipment without heavy upfront costs:
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  • Commercial Kitchen Appliances: Stoves, ovens, refrigeration units, grills, fryers, and more.
  • Food Trucks & Mobile Kitchens: Fully-equipped food trucks or trailers customized to your unique concept.
  • Catering Equipment: Specialized gear for off-site catering, including warming stations and transport equipment.

Flexible lease-to-own options, competitive rates, and rapid approvals keep your business cooking without financial stress.

Working Capital Loans

Seasonal revenue swings and unexpected costs can disrupt your restaurant or food truck’s operations. Our working capital solutions bridge those gaps, providing the liquidity you need exactly when you need it:
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  • Borrow up to $250,000 quickly
  • Fast approvals (24–48 hours)
  • No collateral needed for most applications

Perfect for payroll, purchasing inventory, or funding urgent operational expenses.

Invoice Factoring

Slow payments from catering contracts or corporate clients can restrict your cash flow. Our factoring solutions quickly turn your outstanding invoices into immediate cash:
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  • Immediate funding within 48 hours
  • Advance rates of up to 95% of invoice values
  • No repayment hassle—we collect directly from your customers

Ideal for catering businesses and large-scale event providers.

Equipment Refinancing

Already invested in restaurant or food truck equipment? Refinancing can lower your monthly expenses, reduce your interest costs, and unlock valuable equity:
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  • Reduce monthly payments through improved financing terms
  • Unlock equity from your existing kitchen or food truck equipment
  • Custom refinancing solutions tailored to your business cash flow

Refinance to free up capital for growth or renovations.

Repair & Maintenance Financing

Equipment breakdowns shouldn’t derail your business. Our specialized repair and upgrade financing covers urgent fixes and improvements:
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  • Same-day or next-day approvals for urgent equipment repairs
  • Payments directly made to equipment service providers
  • Tailored repayment plans matching your income cycles

Stay operational and maintain service excellence without financial pressure.

Why Specialized Financing Matters for Your Food Business

Your culinary venture deserves financial flexibility that's as dynamic as your menu:

  • Maintain Strong Cash Flow: Ensure liquidity during seasonal slowdowns and revenue fluctuations.
  • Acquire Essential Equipment Easily: Obtain or upgrade equipment without compromising your working capital.
  • Rapid Funding: Fast approvals mean your business never misses an opportunity or faces unnecessary downtime.
  • Tailored Financing Options: Solutions built specifically around the unique demands of restaurants, food trucks, and caterers.

Financial Realities in Food Service & Hospitality

Food businesses face unique financial pressures every day:

  • High Startup & Equipment Costs: Initial investments in equipment and vehicles can be significant.
  • Seasonal & Unpredictable Revenue: Changing customer demand and seasonal shifts create revenue uncertainty.
  • Operational Expenses: Continuous costs like ingredients, payroll, utilities, and maintenance can fluctuate widely.
  • Delayed Payments: Catering invoices or corporate accounts often have extended payment terms.

Traditional financing solutions rarely accommodate these dynamic challenges. Mehmi Financial Group understands the food industry intimately, providing funding solutions designed specifically for your realities.

Trusted by businesses
across Canada

24–48 hr approval
All credit types welcome
Serving Canada nationwide
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Businesses We Proudly Support

We partner with a diverse array of Canadian food service businesses:
Restaurants & Cafés: Financing everything from kitchen upgrades to dining room renovations.
Food Trucks & Mobile Vendors: Supporting new trucks, custom modifications, and fleet expansions.
Catering & Event Services: Funding large-scale catering equipment and bridging cash flow gaps.
Specialty Food Providers: Helping artisan bakers, coffee roasters, and niche food producers expand.
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Frequently Asked Questions

Can I finance restaurant or food truck equipment with limited credit history?

Yes. We work closely with startups and businesses with various credit backgrounds to secure the funding they need.

Do you finance both new and used kitchen equipment?

Absolutely—we provide financing solutions for equipment purchased new or from auctions, private sellers, or dealers.

How quickly can I receive funding once approved?

Most of our approvals and fundings occur within 24–48 hours.

Can I get pre-approved before choosing my equipment or truck?

Yes, we offer convenient pre-approval options to give you confidence in your budget and purchasing decisions.

Are low or no-down payment financing options available?

Yes, we offer financing options with low or no-down payments depending on your credit profile and asset value.

Can I refinance existing restaurant equipment or food trucks?

Yes. Refinancing existing equipment is a great way to lower payments or access additional capital.

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