CANADA & UNITED STATES
Keep production moving.
Make room for the next order.
Explore financing for machinery, materials and the gap between paying suppliers and getting paid. Mehmi helps manufacturers and distributors assess options around their operating cycle.
Discuss your financing needsEquipment • Inventory • Working capital
FINANCING THAT FITS THE OPERATION
A machine can contribute to production for years. Materials, payroll and freight may need to be paid before an order becomes collected revenue. Treating both needs as one expense can make the financing harder to manage.
Start by separating the equipment investment from the cash required to put it to work. Then compare repayment schedules, total cost and security requirements against a realistic production and collection forecast.
Explore equipment financingSTART WITH THE BUSINESS NEED
Identify the constraint first. The right discussion starts with what you need to buy, when cash leaves the business and how it returns.
01 / PRODUCTION
A larger machine is only part of the project.
02 / INVENTORY
An attractive purchase price still needs a workable cash plan.
03 / RECEIVABLES
Sales recorded today may become usable cash later.
ASSETS ACROSS THE OPERATION
Share the equipment make, model, age, price and location. Eligibility depends on the asset, seller, condition and proposed transaction.
For example: a Haas machining centre, Mazak turning centre or Raymond reach truck. Brand examples do not imply affiliation or automatic approval.
Browse equipment categoriesCOMPARE THE PURPOSE, THEN THE TERMS
Use this as a starting point for discussion. Products can overlap, and availability depends on your business and location.
| Your objective | Option to explore | What to review |
|---|---|---|
| Buy a machine for long-term use | Equipment loan | Useful life, deposit, security and the payment schedule. |
| Use equipment with an agreed end-of-term choice | Equipment lease | Total rentals, purchase or return conditions and residual exposure. |
| Cover an operating cash gap | Working capital financing | Repayment capacity, payment frequency and total borrowing cost. |
| Pay for an inventory purchase | Inventory financing | Stock eligibility, turnover, margins and any reporting requirements. |
| Meet supplier payment requirements | Trade & supplier payment financing | Supplier terms, transaction documents, delivery and currency. |
| Access value in eligible unpaid invoices | Invoice factoring | Customer credit, verification, fees and responsibility if unpaid. |
| Finance against a broader asset base | Asset-based lending | Eligible receivables, inventory or equipment; liens and ongoing reporting. |
Compare the complete proposal, including fees, guarantees, security, repayment obligations and any end-of-term amount.
ILLUSTRATIVE PLANNING EXAMPLE
A distributor pays for stock before dispatch, ships after receiving it and invoices the customer on agreed terms. The supplier payment and the customer receipt sit on different dates.
Plot deposits, freight, payroll and overhead against expected collections. Stress-test a delayed delivery or payment before deciding how much financing to request.
This is a hypothetical scenario, not a Mehmi client result or financing offer.
FOLLOW THE CASH
Cash leaves before stock is available to sell.
Freight, handling and operating costs continue.
Receipts replenish cash and support repayment.
A CLEARER APPLICATION
Expect questions about trading history, revenue, profitability, cash flow and existing obligations. Equipment requests also depend on the asset; invoice-based requests depend on eligible receivables and the customers behind them.
A newer business may need additional evidence of experience, owner investment or contracted demand. No single factor guarantees an approval.
Start your financing request
The document list will vary with the request.
CANADA & UNITED STATES
Tell us where the business operates and where the equipment, inventory and customers are located. Cross-border activity can change the information needed for review.
CANADA
Specify your province and whether the quote is in CAD or another currency.
UNITED STATES
Specify the borrowing business, asset location and quote currency.
NEXT STEPS
01
Share your business location, requested amount and intended use.
02
Discuss the information requested and any proposal made available.
03
If approved and you choose to proceed, complete the agreed conditions.
PRACTICAL ANSWERS
Yes. Mehmi considers financing requests from manufacturing businesses and wholesale distributors in Canada and the United States. The starting point differs: a production business may need machinery and commissioning capital, while a distributor may need stock purchases and a way to manage collection timing. Availability is assessed for each request.
Used equipment and private-sale requests can be reviewed. Provide the quote or purchase agreement, make, model, serial number, condition and seller details. Age, remaining useful life, valuation and existing liens may affect the options. Obtain financing confirmation before making a non-refundable commitment.
Ask for these costs to be assessed as part of the project. Their inclusion is not automatic. Provide an itemized quote separating the machine, shipping, rigging, installation, training and applicable taxes. Identify any deposit or cost you will pay from your own funds.
Inventory financing relates to eligible stock purchases or stock held by the business. Factoring relates to eligible receivables after an invoice exists. The distinction matters because an order that has not yet been fulfilled is not the same as an accepted, unpaid invoice. Review the stage of your transaction first.
Possibly, but the agreements must work together. Existing security interests, borrowing restrictions and required consents may affect new financing. Share current agreements and balances early. Do not assume a new facility can be added against the same assets without further review.
The amount and timing depend on the business, product, documents, asset or invoice verification, and completion of any approval conditions. Supply a complete request and identify deadlines early. A financing discussion or application is not a commitment to fund.
GO A LITTLE DEEPER
Explore the documents, equipment questions and transaction details behind a financing request.
CANADIAN APPLICATION GUIDE
A closer look at preparing a manufacturing financing application.
EQUIPMENT REFINANCING GUIDE
Explore the questions involved in refinancing machinery already in your operation.
LET’S LOOK AT YOUR NEXT MOVE
Share the amount, business location and purpose. We’ll use those details to start a financing discussion.
Financing is subject to application review and approval. Availability, costs, terms and documentation vary by business, product and location. This page provides general information and is not a financing offer.