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.

Natural Resources & Energy

We Know the Pressures You’re Up Against

Canadian natural resource businesses face unique financial strains — from volatile fuel and input costs, to delayed project draws and equipment downtime. Whether you're hauling aggregates in Alberta, running a mine in Ontario, or managing off-grid wind power in BC, cash flow is always under pressure.

At Mehmi Financial Group, we specialize in funding for field-heavy operations. From used excavators and service trucks to project-based working capital, we help you access capital without relying on slow banks. Our programs are designed for rugged industries with seasonality, long billing cycles, and asset-heavy operations.

Fuel & field costs keep rising

Keep projects on track without draining your reserves.

Draws and payments get delayed

Bridge 45–90 day billing cycles with factoring or working capital.

Need equipment from private sellers?

We finance used, high-hour, or remote-location units — even from auctions.

Flexible Capital for Every Moving Part

Truck & Trailer Financing

Finance haul trucks, water trucks, service rigs, and trailers — new, used, or purchased privately.Lease or loan your next unit. New, used, or private sale.
→ Explore Truck Financing

Heavy Equipment & Site Machinery

Get funding for excavators, dozers, graders, drilling rigs, and generators — including used or high-hour units.Fund forklifts, racking, pallets, and tech.
→ Explore Equipment Loans

Project-Based Working Capital & Invoice Factoring

Unlock cash frBridge slow project payments or fund upfront costs for exploration, drilling, and infrastructure work.om invoices or bridge seasonal gaps.
→ Explore Working Capital
→ Explore Freight Factoring

Eligible Equipment

Heavy Trucks & Service Vehicles

Off-Road & 4x4 Service Trucks
Fuel & Lube Trucks
Crew Transport Trucks
Flatbeds & Logging Trucks
Water Trucks
Vacuum Trucks
Picker Trucks / Knucklebooms
Welding Trucks
Cab & Chassis Units
Roll-Off Trucks

Trailers

Lowboy Trailers
Gooseneck Trailers
Dump Trailers
Water Tanker Trailers
Fuel Trailers
Enclosed Cargo Trailers
Articulated & Rigid Haul Trucks
Hydraulic Mining Shovels
Wheel Dozers & Loaders
Electric Rope Shovels
Underground Loaders (LHDs)

Yard & Support Vehicles

Side-by-Sides / UTVs
Snowmobiles (remote access)
Pickup Trucks (Crew, Diesel, Heavy Duty)
Cargo Vans & Crew Vans
Fleet Telematics Systems (GPS, ELDs)
Feller Bunchers
Skidders
Harvesters & Forwarders
Winch Tractors
Hydrovac Trucks

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 Resource Contractors Choose Mehmi Over Traditional Financing

Feature	Mehmi Financial Group	Banks	Dealer Financing
Approval Speed	24–48 hours	1–3 weeks	3–10 days
Eligible Equipment	Dozers, drills, fuel trucks, off-road rigs, remote-site gear	Limited asset types	Dealer units only
Credit Flexibility	650+ or alternative credit accepted	Typically 700+ required	650+ preferred
Private Sale & Auction Funding	Yes — including Ritchie Bros. and remote sites	Rarely allowed	Dealer inventory only
Working Capital & Fuel Support	Yes — factoring, fuel advances, payroll loans	Not offered	Not offered
Rural & Remote Coverage	Yes — nationwide, including remote projects	Urban-focused	Limited by dealership
Customer Support	Direct contact, fast support, industry-savvy	Branch or call centre	Sales-focused only

FAQ: Got Questions? We’re Straightforward.

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

Yes. We work with all types of resource operators — including startups, seasonal contractors, and rural-based businesses with non-traditional credit profiles.

Do you finance heavy equipment from private sellers or auction houses?

Absolutely. We fund private sales, dealer buyouts, Ritchie Bros. auctions, and direct-owner purchases — even if the equipment is in remote regions.

How fast can I get approved and funded?

Once we receive the required documents, most approvals happen in 24–48 hours. We prioritize time-sensitive deals — especially for seasonal or weather-dependent jobs.

Can I get pre-approved before shopping for a dozer, drill rig, or fleet truck?

Yes. A pre-approval helps you set a clear budget and close deals faster — whether it’s new, used, or from a private seller.

Do you offer low or no down payment options?

Yes. Based on credit, collateral, and job profitability, we can structure low down payment or $0-down programs for qualified borrowers.

Do you finance older or high-hour equipment?

Yes — as long as the unit is in working condition and supports commercial use, we can assess its value and structure a deal that works.

Can I use financing for project costs, fuel, or payroll?

Yes. We offer working capital loans and invoice factoring to help resource operators bridge long project cycles, delayed pay terms, and seasonal swings in 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 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.

Natural Resources & Energy Financing Canada