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 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.

Transportation & Trucking

We Know the Pressures You’re Up Against

Canadian transportation and logistics companies face constant financial pressure — from rising fuel costs and aging trucks to seasonal slowdowns and delayed customer payments. These challenges strain cash flow and slow growth, even for well-run fleets.

At Mehmi Financial Group, we provide tailored truck financing, trailer leasing, and working capital solutions built specifically for the transportation industry. Whether you're an owner-operator or a national fleet manager, we help you acquire equipment, unlock cash flow, and keep your business moving — without relying on restrictive bank loans.

Fuel & maintenance costs keep rising

Your cash flow needs to stay fluid.

Customers delay payments

You can’t afford to wait 45–90 days.

Aging fleet? Private-sale truck?

Get funding without bank restrictions.

Flexible Capital for Every Moving Part

Truck & Trailer Financing

Lease or loan your next unit. New, used, or private sale.
→ Explore Truck Financing

Warehouse & Cargo Equipment

Fund forklifts, racking, pallets, and tech.
→ Explore Equipment Loans

Freight Factoring & Working Capital

Unlock cash from invoices or bridge seasonal gaps.
→ Explore Working Capital
→ Explore Freight Factoring

Eligible Equipment

Trucks & Commercial Vehicles

Class 8 Highway Trucks
Day Cab Trucks
Sleeper Cab Trucks
Flatbed Trucks
Reefer Trucks (Refrigerated Units)
Dry Van Trucks
Box Trucks
Cab & Chassis Units
Roll-Off Trucks
Tow Trucks / Wreckers

Trailers

Dry Van Trailers
Refrigerated Trailers (Reefers)
Flatbed Trailers
Step Deck Trailers
Lowboy Trailers
Dump Trailers
Tanker Trailers
Utility Trailers
Enclosed Cargo Trailers
Car Hauler Trailers

Warehouse & Cargo Handling

Electric Pallet Jacks
Sit-Down Counterbalance Forklifts
Reach Trucks
Order Pickers
Liftgates
Racking Systems
Dock Levelers
Pallet Wrappers
Conveyor Belts
Industrial Scales

Support Vehicles & Yard Equipment

Yard Spotters / Terminal Tractors
Pickup Trucks (Fleet Use)
Cargo Vans (e.g. Sprinter, Transit)
Delivery Vehicles
Fuel Trucks
Service Body Trucks
Snow Plow Trucks
Maintenance Utility Trailers
Fleet Telematics Systems (GPS, ELDs)

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	Dealership Financing
Approval Time	24–48 hours	1–3 weeks	3–10 days
Eligible Equipment	New, used, private sale, high-mileage	Limited types	Only from dealer inventory
Credit Flexibility	All credit types considered	Typically 700+ required	650+ preferred
Financing Programs	Equipment, trucks, factoring, LOC	Equipment loans only	Equipment only
Customer Support	Real people, 24/7 help	Call centre or branch hours	Sales rep only
Nationwide Coverage	Yes — all provinces	Yes	Depends on location

FAQ: Got Questions? We’re Straightforward.

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

Yes. We work with businesses and drivers across a wide range of credit scores — including startups, first-time buyers, and operators recovering from credit challenges.

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 programs?

Yes. Depending on credit and asset value, we structure low or no-down options for qualified applicants.

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.

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.

Transportation & Logistics Financing Canada