Fleet Repair Financing Canada | Multi-Unit Programs

What Is the Fleet Repair Program?

Structured repair financing for fleets of every size.

Managing repair costs across a fleet — especially one that runs owner-operators — creates a constant tension between keeping trucks on the road and controlling cash flow. The Mehmi Fleet Repair Program is designed to relieve that tension by offering structured financing solutions for repair and maintenance costs across company-owned units, owner-operator models, or a combination of both.

Rather than having the fleet carry, manage, or collect repair receivables from their operators, we step in and finance each repair directly — giving the operator manageable monthly payments and giving the fleet the certainty of immediate payment to the shop, with no administrative headache and no default risk on their books.

Financing available per unit from $5,000
No cost or recourse to the fleet for owner-operator applications
Funds paid directly to the repair facility
Revolving commercial loan facilities available for larger fleet needs
Custom programs available for fleet-wide repair, rebuild, and upgrade financing

Fleet Repair Program Benefits

Reduce downtime. Improve retention. Free up capital.

Repair costs are one of the biggest sources of friction between fleets and their owner-operators. When a driver can't afford to fix their truck, the fleet loses a unit, loses a load, and often loses a driver. The Mehmi Fleet Repair Program removes that friction by giving operators a responsible, manageable way to handle repair costs — while protecting the fleet from the risk and administrative burden of carrying those receivables themselves.

With the Mehmi Fleet Repair Program, You Can:

Give owner-operators extended payment terms that don't strain their settlement
Eliminate the need to manage, chase, or carry repair receivables for your drivers
Free up capital tied up in operator repair advances for better use elsewhere in the business
Reduce downtime by giving operators a clear path forward on repair decisions
Extend the useful service life of fleet units at a fraction of the cost of replacement
Support driver retention by reducing the financial stress that causes operators to leave

Ideal If You Want To:

Offer owner-operators a repair financing option that doesn't come out of their weekly settlement
Stop carrying repair receivables and the default risk that comes with them
Keep company-owned or owner-operated units on the road without disrupting fleet cash flow

Why Choose Mehmi for Your Fleet Repair Program?

At Mehmi Financial Group, we understand that for fleets — big or small — every parked truck is a cost, and every driver who leaves is expensive to replace. Our Fleet Repair Program is purpose-built for the realities of Canadian trucking, giving fleets a flexible, scalable financing solution that supports both company-owned units and owner-operator models without adding administrative burden or financial risk to the fleet.

For individual owner-operator repairs, the operator applies directly just as they would under our standard repair financing process. For fleet-wide programs, revolving facilities, or custom structures, our business development team works directly with fleet management to build a program that fits your operational model.

No cost or recourse to the fleet for owner-operator repair financing
Revolving commercial loan facilities for ongoing fleet repair and upgrade needs
Custom fleet-wide programs for repair, rebuild, warranty, and service contract financing
Reduces downtime by giving operators a faster path to repair authorization
Transparent terms — flat admin fees, no hidden costs
We don't report to the credit bureaus unless an account goes to collections

Finance Smarter — Fleet Repair Financing Built for Fleets

Stop managing repair receivables for your operators. We handle the financing directly, so your fleet keeps moving and your cash stays where it belongs.
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Repair financing from $5,000 per unit

No cost or recourse to the fleet

Conditional approval often within 1 business hour

Revolving and custom fleet facilities available
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Who Is the Fleet Repair Program For?

This program is built for:

Fleets that run owner-operators and want to offer repair financing without carrying the receivable
Company fleets looking for a structured solution for ongoing repair and maintenance costs
Fleets of any size — from small multi-truck operations to large national carriers
Fleets facing driver retention challenges tied to the cost and stress of unexpected repairs

Whether your fleet operates company-owned units, an owner-operator model, or a mix of both, we have a solution that fits. For individual operator needs, the application process is fast and straightforward. For fleet-wide programs, our business development team will work with you directly to structure the right facility.

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Fleet Repair Financing vs Fleet Repair Advances vs Cash: What's Right for Your Fleet?

Feature	Mehmi Fleet Repair Program	Fleet Repair Advance / Deduction	Cash / Out of Pocket
Cost to the Fleet	No cost or recourse to the fleet for owner-operator repairs	Fleet carries the repair cost until recovered from operator settlement	Full repair cost paid immediately from fleet or operator funds
Receivables Management	We handle it — no receivables, no collections, no default risk for the fleet	Fleet manages repayment, chases settlements, carries default risk	N/A — no receivable if paid in full
Impact on Operator	Manageable monthly payments that don't strain the weekly settlement	Short repayment windows deducted directly from settlement — strains cash flow	Operator pays full invoice upfront — significant cash flow impact
Where Funds Go	Paid directly to the repair facility	Fleet pays shop, recovers from operator over time	Paid directly from operator or fleet account
Early Payout	No early payout penalty (open loan)	N/A	N/A
Driver Retention Impact	Reduces financial stress — supports operator retention	Short settlement deductions increase operator financial stress	Full upfront cost is a common reason operators leave a fleet

The Mehmi Fleet Repair Program costs the fleet nothing and eliminates the administrative burden of managing operator repair receivables — while giving drivers a manageable path forward that keeps them in the truck and on the road.

*Tax benefits depend on structure and jurisdiction. Always consult your accountant.

FAQ: Got Questions? We’re Straightforward.

Does the fleet have to guarantee or co-sign for the operator's financing?

No. For owner-operator repair financing, the operator applies directly and the fleet has no cost, recourse, or liability for the loan. We handle the full financing relationship with the operator.

Does this replace the repair advance or settlement deduction system we already use?

It complements it. For operators who can't afford to wait or whose repairs exceed what the fleet will advance, our program gives them a direct financing option that doesn't require the fleet to carry the receivable or manage repayment.

What if we want a fleet-wide program rather than individual operator applications?

We offer revolving commercial loan facilities and custom fleet programs for fleets looking for a structured solution across multiple units. Contact our business development team and we'll build the right structure for your operation.

How fast can an operator get approved?

Most individual files get a conditional decision within one business day once the repair invoice and documents are submitted. Funds go directly to the repair facility once approved.

What size of repairs qualify?

Repair financing typically starts at $5,000 per unit. Engine overhauls and rebuilds start at $25,000 with terms up to 36 months. For fleet-wide or revolving facilities, minimums and structures are discussed directly with our business development team.

Does the fleet have to be a certain size to qualify?

No. We work with fleets of all sizes — from small multi-truck operations to large national carriers. The right program structure depends on your fleet's model and needs, not its size.

Can the fleet use this for company-owned units, not just owner-operators?

Yes. The Fleet Repair Program supports both company-owned units and owner-operator models, as well as combined fleet structures. Get in touch and we'll walk you through the options.

Can operators pay off their balance early?

Yes. All loans are open, so operators can pay in full or in part at any time with no early payout penalty.

Trusted by Businesses
Across Canada

1 business hour — Typical conditional approval time

650+ Credit — Considered, with cosigners and asset value also reviewed

Serving Canada nationwide

Fleet Repair Program

What Is the Fleet Repair Program?

Fleet Repair Program Benefits