CANADA & UNITED STATES
Build your capacity.
Keep delivery funded.
Explore financing for IT infrastructure, office equipment and the cash required to deliver client work. Mehmi helps technology providers, agencies and professional service businesses assess their options.
Discuss your financing needsIT equipment • Client delivery • Cash flow
FINANCING THAT FITS THE OPERATION
Servers, workstations and production equipment are different from subscriptions, contractors and payroll. An equipment facility may suit an identifiable asset, while operating finance needs to be assessed against the business’s ability to generate cash.
Map the project or upgrade from supplier payment to client collection. Include deployment, migration, training and any overlap between old and new systems. Compare repayment commitments with contracted revenue and a conservative 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 / INFRASTRUCTURE
Hardware is one part of an upgrade.
02 / CLIENT DELIVERY
Teams and contractors may need paying before project milestones.
03 / RECEIVABLES
Completed client work can still tie up cash.
ASSETS ACROSS THE OPERATION
Share the equipment make, model, age, price and location. Eligibility depends on the asset, seller, condition and proposed transaction.
Examples include a server refresh, a workstation rollout or a studio equipment package. Software subscriptions and development costs require separate review and are not automatically equipment-finance eligible.
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 |
|---|---|---|
| Purchase an identifiable business asset | Equipment loans ↗ | Asset condition, useful life, security and payment schedule. |
| Use equipment with an agreed end-of-term choice | Equipment leases ↗ | Total rentals, return or purchase conditions and residual exposure. |
| Cover a defined operating cash requirement | Working capital financing ↗ | Repayment capacity, payment frequency and total borrowing cost. |
| Manage recurring cash-flow fluctuations | Business line of credit ↗ | Draw and repayment rules, review requirements and fees. |
| Access value in eligible unpaid B2B invoices | Invoice & freight factoring ↗ | Invoice verification, fees, reserves and responsibility if unpaid. |
| Finance a defined business investment | Business term loans ↗ | Purpose, repayment source, security and total financing cost. |
Compare the complete proposal, including fees, guarantees, security, repayment obligations and any end-of-term amount.
ILLUSTRATIVE PLANNING EXAMPLE
A service business hires contractors and pays software costs to deliver a signed project. It invoices at an agreed milestone, but customer acceptance and payment occur later.
Map payment milestones and contractor dates in the same forecast. Allow for project changes and slower collections. Keep anticipated sales separate from contracted work when assessing repayment capacity.
This is a hypothetical scenario, not a Mehmi client result or financing offer.
FOLLOW THE CASH
People, hardware and tools are committed to the project.
Work reaches the contractual billing milestone.
Customer payment replenishes operating cash.
A CLEARER APPLICATION
Review may consider trading history, recurring and project revenue, cash flow, customer concentration and existing obligations. Asset-light businesses should explain how revenue converts into cash rather than relying on equipment value alone. For project work, signed agreements and billing milestones can help clarify the request.
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
Do not assume that they can. Identifiable hardware, perpetual licenses, cloud subscriptions and development costs are different types of expenditure. Itemize each and ask which structure, if any, is available for the proposed package.
A business can submit its requirement, but options may be limited without a demonstrated repayment source. Owner investment, experience, signed contracts and forecasts may be relevant. An application does not guarantee access to working capital.
Eligible completed and invoiced B2B work may be considered. The customer, contract, acceptance of the work and invoice terms matter. Unbilled work, disputed invoices or future subscriptions should not be treated as automatically eligible receivables.
Yes. Describe equipment purchases and operating costs separately, even if they form part of the same project. Each may require different documentation, security and repayment arrangements. Review the combined cash commitment before agreeing to multiple facilities.
Possibly, but the agreements must work together. Existing security interests, borrowing restrictions and required consents may affect a new arrangement. Share current balances and agreements early, and do not assume the same asset can support another facility without review.
The amount and timing depend on the business, product, documentation, verification and completion of approval conditions. Identify any purchase or project deadlines early. An application or financing discussion is not a commitment to fund.
GO A LITTLE DEEPER
Explore the documents, equipment questions and transaction details behind a financing request.
CANADIAN FINANCING GUIDE
Explore the considerations and preparation behind this financing topic.
CANADIAN FINANCING GUIDE
Explore the considerations and preparation behind this financing topic.
LET’S LOOK AT YOUR NEXT MOVE
Share your location, amount and purpose to begin a technology & business services 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.