Small Business Loans for Canadian Businesses

Whether you need working capital, funds for equipment, payroll support, or expansion financing, we help Canadian small businesses secure funding tailored to their needs.

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What is a Small Business Loan?

Flexible financing for your next move — with fast decisions and no red tape.
A small business loan provides the capital you need to grow your company — whether it’s for inventory, payroll, equipment, marketing, or expansion. Unlike rigid bank loans, Mehmi Financial Group offers tailored funding with faster approvals and fewer restrictions.

Our small business loans are designed to work with Canadian entrepreneurs at every stage — whether you’re launching a startup, scaling your operations, or navigating a seasonal dip. You keep control and choose the repayment plan that fits your cash flow.
  • Use for almost any business purpose
  • Fixed or flexible repayment terms
  • No collateral required for unsecured options
  • Funding from $20,000 to $5,000,000

Small Business Loan Benefits

Fuel your business. Protect your cash flow. Stay in control.
With Mehmi Financial Group, you can access the capital you need without sacrificing equity, credit cards, or personal assets. Our unsecured loan options let you borrow based on your revenue strength — no need to pledge your house or equipment.
With Our Small Business Loans, You Can:
  • Cover operating expenses or bridge seasonal gaps
  • Launch new products, hire staff, or upgrade infrastructure
  • Consolidate business debt at better terms
  • Access funding even if the bank said no
Ideal If You Want To:
  • Keep ownership while still accessing capital
  • Avoid credit card debt or merchant cash advances
  • Build business credit and strengthen financial standing

Why Choose Mehmi for Small Business Loans?

At Mehmi Financial Group, we specialize in fast, flexible business loans for Canadian entrepreneurs. Whether you're launching a startup, expanding your operations, or recovering from a slow season — we help you access working capital without the delays, paperwork, or restrictions of traditional banks.

We understand that small businesses often face real challenges: inconsistent cash flow, urgent expenses, or limited financing history. That’s why we offer unsecured and secured loan options that are easy to apply for and designed around your cash flow — not just your credit score.

We’re trusted by retail owners, tradespeople, franchise operators, logistics companies, medical clinics, e-commerce brands, and independent contractors across Canada. Why? Because we make business lending simple, transparent, and on your terms.
  • Loan amounts from $20K to $5 million
  • Access to 100+ specialized business lenders
  • Works for startups, low credit, and growth-stage companies
  • 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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Heavy equipment loan approval Canada

How Small Business Loans Can Be Used

We provide small business financing solutions to help Canadian entrepreneurs grow, stabilize, or scale their operations. Whether you're launching a new venture or managing day-to-day expenses, our loans give you fast access to the capital you need — without jumping through bank hoops.
  • Working Capital: Cover payroll, rent, utilities, and overhead during slow seasons
  • Inventory Financing: Stock up on products, raw materials, or supplies
  • Marketing & Advertising: Fund digital campaigns, website upgrades, or local promotions
  • Expansion Projects: Open a new location, renovate your space, or hire staff
  • Equipment Purchases: Buy trucks, tools, or machinery (or use as a down payment)
  • Emergency Expenses: Repair equipment, handle tax bills, or bridge short-term gaps
  • Franchise Startups: Pay franchise fees, build-outs, and early operating costs
  • Professional Services: Invest in legal, accounting, or business consulting support
Whether you’re running a restaurant, retail store, trade business, logistics company, or healthcare clinic — we can help you find the best loan solution tailored to your cash flow and goals.

Who Qualifies for a Small Business Loan?

You’re likely a strong match if:

  • Your business is registered and operating in Canada
  • You earn roughly $50K+ in annual sales
  • You’ve been in business for at least 6 months (or 3+ with stable monthly revenue)
  • You're seeking funding for business purposes (not personal use)

Even if your credit is less than perfect, you may still qualify. We work with startups, new businesses, and those with past financial challenges. Strong cash flow, a clear business plan, or a co-signer can boost your approval chances.

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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 process is fast, transparent, and built for Canadian business owners. Whether you’re a startup or scaling up, here’s how it works:
1

Tell Us What You Need

Whether you need funds for payroll, marketing, inventory, or expansion, we’ll help you identify the best loan type for your goals.
Talk to a Specialist
2

Apply in Minutes

Submit your application and documents online. Our advisors will guide you through pre-approval and lender matching.
3

Get Funded Fast

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

Small Business Loan vs Line of Credit vs Merchant Cash Advance: What’s Best for Canadian Entrepreneurs?

Feature Small Business Loan Line of Credit (LOC) Merchant Cash Advance (MCA)
Best For Planned growth, expansions, or refinancing Ongoing cash flow or seasonal dips Urgent cash needs tied to daily sales
Funding Amount $20K–$500K+ $10K–$250K revolving $5K–$300K based on sales volume
Repayment Terms 6–60 months, fixed terms Flexible, interest-only until drawn Daily or weekly sales-based payments
Access to Funds One-time lump sum Revolving credit, reusable Lump sum, tied to revenue
Speed of Funding 24–72 hours Same-day once approved Same-day to 48 hours
Credit Requirements Moderate; newer and growing businesses welcome Stronger credit or collateral preferred Low credit accepted; based on sales
Use Cases Expansion, payroll, inventory, marketing, equipment Recurring costs, emergencies, slow seasons Immediate cash injection for urgent needs

*Actual terms depend on lender approval, credit profile, and business revenue. Not all businesses qualify for all products.

FAQ: Canadian Small Business Loans - We Keep It Straightforward

Can I get a small business loan with bad credit or no credit?

Yes. Mehmi Financial Group offers small business loans for Canadian entrepreneurs with a variety of credit histories — including startups, low-credit applicants, and business owners recovering from setbacks. Our flexible underwriting allows access to funding even when traditional banks say no.

How fast can I get approved and funded?

Many small business loans are approved within 24–48 hours. Once your documents are submitted, we work quickly to deliver funding — often within 2 business days for qualified borrowers. Perfect for urgent working capital needs.

Can I qualify if my business is new or still growing?

Absolutely. If your business has been operating for at least 3–6 months and generates some revenue, we have startup business loan options designed for early-stage growth, equipment purchases, or seasonal cash flow gaps.

Do you offer unsecured small business loans?

Yes. We offer both unsecured and secured loan options. Unsecured loans are ideal if you don’t have collateral or want to preserve business assets. Approval is based on cash flow, credit, and business profile.

Can I get pre-approved before applying for other financing or purchases?

Yes. Pre-approval gives you clarity on your borrowing power and helps with planning future purchases, negotiating with vendors, or evaluating growth opportunities. Pre-approvals are available for term loans, lines of credit, and more.

What documents do I need to apply?

We typically request:
- 3–6 months of business bank statements
- Valid government-issued ID
- Business registration or incorporation docs
- Proof of revenue or recent invoices
Startups may be asked for a business plan or recent sales summaries.

Are there hidden fees or penalties?

No. All Mehmi Financial Group small business financing options come with transparent terms. We disclose everything up front — no hidden fees, early payout penalties, or surprises.

Trusted by Businesses
Across Canada

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

Let’s Get You Funded

Whether you're launching, expanding, or bridging a cash flow gap — Mehmi Financial Group is here to help Canadian small businesses move forward.
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