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.

Hospitality & Food Service

We Know the Pressures You’re Up Against

Canadian hospitality businesses face tight margins, unexpected equipment failures, and volatile seasonal swings. Whether you're a local restaurant, catering business, or managing multiple units — broken equipment or cash gaps can seriously disrupt operations.

At Mehmi Financial Group, we offer customized financing solutions for food service equipment, commercial kitchens, and working capital — all without the red tape of banks. We help hospitality owners move fast, stay operational, and protect their cash flow — even if your credit isn’t perfect.

Urgent repairs, rising equipment costs

Keep ovens, fridges, POS systems, and kitchens running smoothly.

Delayed payouts from suppliers or apps

Bridge 30–90 day delays from Uber Eats, SkipTheDishes, or clients.

Seasonal shortfalls or slow months

Secure cash to manage off-season dips or pre-opening expenses.

Flexible Capital for Every Part of Your Operation

Restaurants & Cafés

Lease or finance stoves, walk-ins, fryers, dishwashers, POS systems, and more.
→ Explore Rent-To-Own
→ Explore Merchant Cash Advance

Food Trucks & Mobile Vendors

Get funded for your next unit or retrofit.
→ Explore Equipment Loans

Catering & Hospitality Operators

Unlock cash from contracts, invoices, or prep costs.
→ Explore Working Capital
→ Explore Freight Factoring

Eligible Equipment

Commercial Kitchen Equipment

Commercial Ovens & Ranges
Deep Fryers & Griddles
Walk-in Coolers & Freezers
Refrigeration Units (Reach-in, Display, Undercounter)
Dishwashers & Glasswashers
Food Prep Tables & Undercounter Storage
Ventilation Hoods & Exhaust Systems

Front-of-House & Service

POS Systems & Self-Checkout Kiosks
Tables, Chairs, Booths
Bar Equipment (Coolers, Ice Machines, Draft Systems)
Buffet Tables & Warmers
Coffee & Espresso Machines
Display Cases (Bakery, Deli, Beverage)

Food Trucks & Mobile Units

Fully Equipped Food Trucks
Trailers with Cooking Stations
Generator Units
Portable Sinks & Water Systems
Ice Cream or Beverage Carts

Warehouse, Delivery & Support

Delivery Vans (e.g. Sprinter, Transit)
Small Box Trucks
Commercial Dish Carts & Food Trolleys
Utility Trailers for Catering
Pallet Jacks & Storage Racks
Digital Kitchen Display & Order Systems

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	Dealer / Supplier Financing
Approval Time	24–48 hours	1–3 weeks	Varies by vendor
Eligible Equipment	Kitchen, mobile units, used gear, private sale	New equipment only	Only in-stock or in-network
Credit Flexibility	All credit types considered	Typically 700+ required	650+ preferred
Financing Programs	Kitchen, POS, delivery vans, working capital	General business loans	Equipment only
Customer Support	Dedicated advisor + fast updates	Call centre or branch hours	Sales rep only
Private Sale Support	Yes — classifieds & auctions welcome	Rarely supported	Usually not allowed

FAQ: Got Questions? We’re Straightforward.

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

Yes. We work with restaurant owners, food truck operators, and hospitality businesses across a wide range of credit scores — including startups, first-time buyers, and those rebuilding credit.

Do you finance kitchen equipment from private sellers or auctions?

Absolutely. We finance restaurant equipment from auctions, classified ads, private owners, and used-equipment dealers — not just commercial suppliers.

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

Most deals are approved within 24–48 hours after receiving full documentation. We move quickly to support your opening, upgrade, or expansion plans.

Can I get pre-approved before shopping for restaurant or kitchen equipment?

Yes. A pre-approval gives you a budget to negotiate with suppliers, whether you’re buying a used combi oven or a brand-new walk-in cooler.

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

Yes. We offer low or no-down options for qualified buyers based on credit, industry experience, and equipment value.

Can you finance used or older commercial kitchen equipment?

Yes — if the equipment is functional, commercially viable, and supports your operations, we’ll consider it even if it’s used or older.

Do you offer working capital loans or merchant cash advances?

Yes. We help businesses cover slow seasons, renovations, supplier bulk orders, or urgent repairs with working capital or daily-revenue-based lending.

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.

Hospitality & Food Service Financing Canada