Invoice & Freight Factoring for Canadian Businesses

Turn unpaid invoices into fast cash flow — ideal for trucking, logistics, and B2B companies stuck waiting 30, 60, or 90+ days to get paid.

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What is Invoice Factoring?

Turn unpaid invoices into working capital — without taking on new debt.
Invoice factoring lets your business unlock fast cash by selling your accounts receivable. Instead of waiting 30, 60, or 90+ days for customers to pay, you get paid upfront — improving your cash flow and keeping operations moving.
  • Get funded based on your customer invoices
  • No collateral or personal guarantee required
  • Approvals based on customer credit, not yours
  • Perfect for B2B businesses with slow-paying clients

Invoice Factoring Benefits

Free up cash. Stay liquid. Focus on growth.
Invoice factoring helps you access the money you’ve already earned — without waiting. It's a fast, flexible solution for businesses that invoice other companies.
With Mehmi Invoice Factoring, You Can:
  • Get paid within 24–48 hours
  • Cover payroll, supplies, or growth needs
  • Avoid taking on extra loans or credit risk
  • Keep your balance sheet clean
Ideal If You Want To:
  • Eliminate long payment delays
  • Turn receivables into fast operating cash
  • Keep growing without increasing debt

What is Freight Factoring?

Get paid today for loads delivered yesterday.
Freight factoring is designed for trucking companies and owner-operators who need fast access to cash. Instead of waiting on brokers and shippers to pay, you sell your freight bills and get funded within 24–48 hours.
  • Advance rates up to 95% of the invoice value
  • Flat-rate or no-reserve options available
  • No more chasing slow-paying clients
  • Ideal for carriers, dispatchers, and fleet operators

Freight Factoring Benefits

Drive. Deliver. Get Paid.
Freight factoring helps you run a more predictable, profitable business by smoothing out your cash flow and reducing the stress of unpaid invoices.
With Mehmi Freight Factoring, You Can:
  • Get cash for loads the same week you deliver
  • Pay drivers, fuel, insurance, and repairs on time
  • Outsource collections and reduce admin time
  • Choose non-recourse options for added protection
Ideal If You Want To:
  • Keep trucks moving without payment delays
  • Stop relying on high-interest credit cards
  • Grow your fleet without financial gaps

Why Choose Mehmi for Invoice & Freight Factoring?

At Mehmi Financial Group, we specialize in helping Canadian businesses turn unpaid invoices into immediate working capital. Whether you're a trucking company waiting on freight bills or a B2B business with slow-paying clients, we help you access the cash flow you've already earned — without taking on new debt.

Unlike traditional loans, factoring is based on your customer's payment strength, not your credit score. That means faster approvals, more flexibility, and fewer headaches when cash is tight.

We work with carriers, dispatchers, logistics firms, manufacturers, wholesalers, and service-based businesses across Canada to keep operations running smoothly — even when receivables are delayed 30, 60, or 90+ days.
  • Cash within 24–48 hours of submitting invoices
  • Flexible, no-debt funding based on accounts receivable
  • Support for freight bills, trucking invoices, and B2B contracts
  • Non-recourse factoring options to protect against bad debt
  • Easy qualification — approval is based on your client’s credit, not yours
  • Transparent terms with no hidden fees or long commitments
Get Paid Faster — Invoice & Freight Factoring Made Simple

Stop waiting 30, 60, or 90 days to get paid. With Mehmi Financial Group, you can turn unpaid invoices or freight bills into same-week cash — no new debt, no waiting games. Whether you’re a freight carrier, dispatcher, or B2B business, we help you unlock the working capital you’ve already earned.
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Advance up to 95% of invoice value

Get funded in as little as 24–48 hours

No personal credit required

Use your accounts receivable as collateral

Ideal for trucking, logistics, and B2B companies
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What You Can Finance with Invoice & Freight Factoring

We provide cash-flow solutions for Canadian businesses in trucking, logistics, freight brokerage, and other B2B sectors with unpaid receivables. Whether you’re stuck waiting 30+ days to get paid or expanding operations, our factoring programs give you access to immediate working capital — without taking on new debt.
  • Trucking & Freight Carriers: Factor bills of lading (BOLs), freight invoices, and delivery slips
  • Logistics & 3PL Providers: Speed up cash flow on outstanding accounts receivable
  • Freight Brokers: Get paid upfront and pay carriers faster
  • Construction & Trade Contractors: Turn large commercial invoices into cash
  • Staffing & Recruitment Firms: Accelerate payroll with A/R-backed funding
  • Manufacturing & Wholesale: Bridge long payment terms with invoice advances
  • B2B Service Providers: From IT to janitorial, we fund slow-paying client accounts
Factoring is available for new and established companies.

Who Qualifies for Invoice or Freight Factoring?

You’re likely a strong match if:

  • Your business has been operating for 3+ months with active receivables
  • You invoice other businesses or brokers and offer net terms (e.g. Net 15, Net 30, Net 60)
  • You’re waiting on unpaid invoices and want faster access to your cash

Even companies with bad credit or past financial issues may qualify — approval is based on your client’s ability to pay, not just yours. If you serve reputable businesses or brokers, we can often advance you funds within 24 hours of invoice verification.

Apply now and convert your unpaid invoices into working capital.

Apply now

Documents Required

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Articles of Incorporation
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Last 3 Months of Business Bank Statements
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Credit Application
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Driver's License

3 Steps. No Surprises.

The Mehmi Financial Group experience is fast, transparent, and built to unlock your unpaid invoices.
1

Submit Your Invoices

Send us your unpaid B2B or freight invoices — whether from a broker, shipper, or commercial customer. We’ll review them quickly with no hassle.
Talk to a Specialist
2

Get Verified

We’ll confirm the invoice details and verify your customer’s payment history.
3

Receive Funds

Get up to 95% of the invoice value within 24 hours. The remainder is released once your customer pays, minus a small factoring fee.

Invoice Factoring vs Line of Credit vs Term Loan: What’s Right for Your Cash Flow?

Feature Invoice / Freight Factoring Line of Credit Term Loan
Funding Speed Same-day to 24 hours after approval 1–5 days after setup Typically 3–7 business days
Repayment Structure Customer repays your invoice Interest-only until drawn, then principal + interest Fixed payments over 6–60 months
Collateral Required No — invoices act as collateral Often requires assets or a strong balance sheet Usually secured by business assets
Credit Requirements Low — based on your customers' credit Moderate to high Moderate — depends on lender
Best For B2B or freight companies with slow-paying clients Seasonal businesses with cash flow ups and downs Growth projects, expansions, or large purchases
Cost Discount fee (1%–4%) on invoice amount Ongoing interest on drawn funds Interest + potential fees
Cash Flow Impact Immediate — turns unpaid invoices into cash On-demand — helps manage recurring gaps One-time injection — must be budgeted

*Terms vary by lender. Consult a financing advisor to find the best match for your business needs.

FAQ: Got Questions? We’re Straightforward.

Can I qualify for invoice or freight factoring with bad credit?

Yes. Mehmi Financial Group offers factoring solutions based on your clients’ or brokers’ creditworthiness — not yours. Even if your business has a limited credit history or low score, you may still qualify if your customers or shippers pay reliably.

Can I factor unpaid freight invoices from brokers or shippers?

Absolutely. We specialize in factoring for trucking, freight, and logistics companies. Whether you're hauling loads under contract or working with multiple load brokers, we can advance funds against eligible invoices to keep your cash flow moving.

How fast can I get approved and funded?

Approval can happen in as little as 24–48 hours. Once you're set up, you can submit invoices and get cash the same or next business day. Many trucking clients receive funds within 24 hours after submitting loads and PODs.

Do I lose control of my customer relationships?

No. With non-notification and recourse factoring, you maintain the customer relationship. We operate behind the scenes — your clients or brokers won’t even know unless you prefer full-service collections or notification factoring.

Are there minimum invoice or monthly volume requirements?

We work with small and mid-sized fleets — from $5,000/month up to $1M+. There’s no strict minimum, and we tailor factoring packages to your business needs. If you're a newer carrier or just ramping up, we can still help.

Is there a contract or long-term commitment?

Our factoring plans are flexible. We offer month-to-month or short-term agreements, with no penalties if you decide to stop. You stay in control — and we earn your business by earning your trust.

What does it cost to factor invoices?

Typical factoring fees range from 1% to 4% of the invoice amount, depending on your volume, client risk, and funding speed. We offer transparent pricing and no hidden fees — you'll know exactly what you're getting.

Can I still factor if I have existing loans or liens?

Yes. Many of our clients use factoring alongside business loans or equipment financing. As long as your receivables are free from liens (or subordinated by your lender), we can get you approved.

Trusted by Businesses
Across Canada

24–48 hr approval
All credit types welcome
Serving Canada nationwide

Let’s Unlock Your Cash Flow

Waiting on slow-paying invoices or freight brokers? Get paid faster and keep your business moving. Let’s talk.
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