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.

Technology & Business Services

We Know the Pressures You’re Up Against

Running a service-based or technology-driven business in Canada isn’t easy — unpredictable client payments, costly software and hardware upgrades, and the upfront costs of scaling or hiring can quickly stall momentum. These challenges strain cash flow, delay growth, and force tough decisions for even well-run firms.

At Mehmi Financial Group, we offer tailored financing programs for business services — whether you're investing in IT infrastructure, expanding your office, or upgrading tools to serve more clients. We help you unlock capital, preserve runway, and seize growth opportunities — without the friction of traditional banks.

Equipment & software costs add up

Upgrade tech without draining your cash reserves.

Clients delay payments

Bridge 30–90 day AR cycles with working capital.

Scaling up? Expanding?

Finance office renovations, leaseholds, or new hires.

Flexible Capital for Every Moving Part

Office & Tech Equipment Financing

Lease or finance desktops, laptops, servers, printers, POS systems, and more — new, used, or private sale.
→ Explore Equipment Leases

Furniture, Fixtures & Leasehold Improvements

Fund desks, chairs, cubicles, signage, HVAC upgrades, and build-outs for new or expanding spaces.
→ Explore Equipment Loans

Working Capital & Invoice Factoring

Bridge slow receivables, fund payroll, or cover project startup costs with flexible working capital.
→ Explore Working Capital
→ Explore Freight Factoring

Eligible Equipment

Technology & IT Infrastructure

Workstations & computer monitors
Servers & network storage racks
Routers, firewalls, switches
VOIP phone systems
Backup drives & power supplies

Office & Studio Equipment

Ergonomic desks & executive chairs
Office printers, copiers, fax machines
Conference room AV systems
Reception area furniture & fit-outs
Video production & podcasting gear

Retail & Customer-Facing Systems

POS terminals & barcode scanners
Interactive kiosks & check-in tablets
Digital signage & display monitors
Security camera systems & DVRs
Retail shelving & fixtures

Software, Subscriptions & Renovations

CRM, ERP, accounting software
SaaS platforms & cloud tools
Scheduling & workflow management tools
Leasehold improvements & renovations
Lighting, HVAC & energy-efficiency upgrades

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	Vendor Financing
Approval Time	24–48 hours	1–3 weeks	Varies — often 1–2 weeks
Eligible Assets	Tech, software, servers, office, medical & wellness equipment	Mostly tangible assets	Only what's listed by the vendor
Credit Flexibility	All credit types considered	Typically 700+ required	Good credit preferred
Financing Programs	Hardware, SaaS, leasebacks, working capital	Basic term loans	Only vendor-based leasing
Customer Support	Dedicated advisor + 24/7 support	Limited to bank hours	Sales rep only
Industries Covered	IT, health, dental, media, logistics, retail	Conventional businesses	Vendor-specific only

FAQ: Got Questions? We’re Straightforward.

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

Yes. We work with startups, early-stage businesses, and established companies — even if your credit isn’t perfect or you’re just getting started.

Do you finance equipment from private sellers, software vendors, or online platforms?

Absolutely. We can fund assets from private sales, direct vendors, or marketplaces like Kijiji, Alibaba, or Amazon — not just traditional suppliers.

How fast can I get approved and funded?

Most applications are approved within 24–48 hours after receiving documents. Funds can be wired shortly after for equipment, software, or working capital.

Can I get pre-approved before shopping for office tech, dental chairs, or other gear?

Yes. Pre-approvals help you budget clearly and confidently negotiate with vendors — whether you’re buying new, used, or private-sale equipment.

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

Yes. Depending on your credit, revenue, and the asset, we structure flexible down payment plans — including $0 down for qualified businesses.

Can you finance older equipment or used tech assets?

Yes — we evaluate the asset’s value, usability, and commercial purpose. If it supports your business operations, we’ll consider it.

Do you offer working capital for marketing, payroll, or expansion?

Yes. We offer business lines of credit, invoice factoring, and lump-sum working capital loans to help cover overhead, payroll, campaigns, or growth.

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.

Technology & Business Services Financing Canada