Secured Business Loans for Canadian Entrepreneurs

Unlock larger funding amounts with lower rates by leveraging your business assets — even if banks have turned you down.

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What is a Secured Business Loan?

Finance your equipment. Own it from day one.
A secured business loan lets you use your business assets — like equipment, real estate, or inventory — as collateral to unlock higher loan amounts and better interest rates. Unlike unsecured loans, secured financing reduces lender risk, making approval more likely — even for growing companies or those turned down by banks. With fixed or flexible terms, secured loans help you access the funds you need without sacrificing ownership of your assets.
  • Use equipment, real estate, vehicles, or inventory as collateral
  • Access larger loan amounts and lower interest rates
  • Flexible repayment terms based on asset type
  • Ideal for growth, refinancing, or working capital

Secured Loan Benefits

Lower rates. Higher approvals. Unlock growth without giving up control.
A secured business loan helps you tap into the value of your existing assets — such as equipment, real estate, or inventory — to unlock larger financing limits and lower interest rates. It’s a smart way to access capital for expansion, cash flow, or refinancing without losing equity or selling your equipment.
With Mehmi Secured Loans, You Can:
  • Borrow more by pledging business assets as collateral
  • Qualify even with challenged credit or short time in business
  • Get lower interest rates and longer repayment terms
  • Maintain ownership while improving cash flow
Ideal If You Want To:
  • Leverage equipment, property, or inventory for better financing
  • Access capital without giving up shares or taking on high-cost debt
  • Consolidate higher-interest loans or refinance existing debt
  • Scale your business with a funding partner who understands Canadian small business needs

Why Choose Mehmi for Secured Business Loans?

At Mehmi Financial Group, we specialize in secured business loans designed to unlock the value of your existing assets. Whether you’re leveraging equipment, property, inventory, or accounts receivable — we help you turn those assets into working capital without selling or giving up equity.

We understand how tough it is to grow when traditional banks won’t lend. That’s why our secured loan programs are tailored for Canadian small businesses, including startups, low-credit applicants, and industries often underserved by banks.

We work with a trusted network of 100+ commercial lenders to offer personalized, asset-backed financing strategies — whether you’re refinancing debt, expanding operations, or improving cash flow.
  • Access secured loans using trucks, machinery, inventory, or real estate
  • Get matched to the right lender from 100+ specialized providers
  • Approval options available for startups, low credit, or high-risk industries
  • Transparent terms — no hidden fees or surprises
Finance Smarter — Equipment Loans Made Easy

Flexible equipment loan options that help you own your gear — without draining your cash. Whether you're buying new, used, or private-sale equipment, we help you get approved fast and keep your business moving.
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Borrow up to $5,000,000

Used & private-sale gear approved

Terms up to 72 months

Funds within 48 hours
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Get StartedBrowse Equipment
Heavy equipment loan approval Canada

What You Can Secure a Loan Against

We help Canadian businesses unlock capital by leveraging their owned assets. Whether you’re refinancing equipment, unlocking equity from property, or turning inventory into working capital — our secured loan programs make your existing assets work harder for you.
Common Assets You Can Use as Collateral:
  • Construction Equipment: Excavators, skid steers, loaders, trenchers, bulldozers, backhoes
  • Industrial Machinery: CNC machines, presses, compressors, power tools, generators
  • Agricultural Equipment: Tractors, harvesters, sprayers, irrigation systems
  • Warehouse & Material Handling: Forklifts, pallet jacks, racking, conveyor systems
  • Medical & Dental Devices: Imaging machines, exam chairs, lab equipment, sterilizers
  • Restaurant & Food Service: Ovens, mixers, refrigeration, prep stations, fryers
  • Commercial Vehicles & Trailers: Heavy-duty trucks, reefer trailers, flatbeds, tankers
  • Real Estate & Property: Commercial units, lots, garages, or land parcels
New or used — we help you find the best deals.
Check Out Our Full List of Eligible Equipment

Who Qualifies for an Equipment Loan?

You’re likely a strong match if:

  • Your business has been operating for 6+ months (or 3+ with reliable revenue)
  • You earn roughly $50K+ in annual sales
  • You own valuable business assets — equipment, vehicles, inventory, or property — that can be used as collateral

Even if your credit is less than perfect, secured lending gives you more options.

Strong cash flow, owned assets, or a co-signer can help improve approval odds.

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 simple, quick, and customized to your financial needs.
1

Tell Us What You Need

Whether you're looking to expand operations, refinance debt, or purchase new equipment, we’ll help structure the right secured loan solution using your business assets.
Browse Used Equipment
2

Get In Touch

We’ll review key documents — like financials and asset details — to find the best lender match. Collateral can include equipment, vehicles, real estate, or inventory.
3

Get Approved

Secure approval and funding in as little as 24–48 hours with flexible terms.

Secured vs Unsecured Loan vs MCA: What’s Right for Your Business?

Feature Secured Business Loan Unsecured Business Loan Merchant Cash Advance (MCA)
Collateral Required Yes — typically equipment, property, or inventory No collateral required Repayment is tied to future receivables
Best For Businesses with strong assets seeking lower rates Quick access without asset tie-up Businesses with high credit/debit card sales
Upfront Costs May include appraisals or legal fees Usually minimal Often zero upfront costs
Repayment Structure Fixed or flexible monthly payments Fixed monthly or weekly payments Daily or weekly withdrawals from sales
Approval Speed 2–5 business days 1–3 business days Same-day to 48 hours
Credit Requirements Moderate — strong cash flow or co-signer may help Higher credit score preferred More lenient — based on revenue strength
Flexibility Can be customized with seasonal or balloon options Limited flexibility High repayment flexibility based on sales volume

*All loan approvals depend on lender underwriting. Speak with your advisor to explore the best option.

FAQ: Got Questions? We’re Straightforward.

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

Yes. Mehmi Financial Group offers secured business loans to Canadian businesses with a wide range of credit profiles — including startups, applicants with low scores, and those rebuilding after setbacks. Collateral such as equipment, property, or inventory helps offset risk and improve approval chances when banks say no.

What qualifies as acceptable collateral for a secured loan?

Collateral can include business assets like trucks, trailers, machinery, commercial real estate, or inventory. In some cases, we can also structure deals around accounts receivable or equipment you already own — especially if you’re looking to unlock working capital.

How fast can I get approved and funded for a secured business loan?

Approvals can happen within 24–72 hours once documents are submitted. Our team works quickly to structure funding options with competitive terms — and most deals are funded within 2–5 business days, depending on collateral and lender requirements.

Can I get pre-approved before I choose what to use as collateral?

Absolutely. Pre-approval lets you understand how much funding you qualify for, so you can decide whether to use equipment, property, or other assets as collateral. This also helps in time-sensitive deals or when exploring multiple financing options.

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

Yes. If your collateral value and business strength are solid, we can often secure low or $0 down payment terms. This helps preserve your cash flow while still accessing the capital you need to grow, hire, or expand.

Can you finance deals against older equipment or existing assets?

Yes. We offer sale-leasebacks and secured loans against older equipment, vehicles, or inventory. If the asset holds resale value and is used for commercial purposes, we’ll consider it — especially in industries like transportation, construction, and agriculture.

Can I use a secured loan to access working capital?

Yes. Secured loans aren’t just for buying assets. We help clients unlock working capital by leveraging owned assets — through asset-backed loans, inventory financing, or sale-leaseback programs. Whether you need funding for payroll, growth, or cash-flow gaps, we can tailor a secured solution.

Trusted by Businesses
Across Canada

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

Let’s Get You Funded

Looking to unlock working capital, refinance debt, or grow your operations using your assets? We’ll help you leverage what you already own — trucks, equipment, property, or inventory — to get fast, flexible funding.
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