Tire & Accessory Financing

Tires are one of the most frequent and unavoidable expenses in trucking — and delaying them costs more than the tires themselves. Finance commercial tire purchases, accessories, and upfitting from $2,500, with funds paid directly to your supplier or shop.

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What Is Tire & Accessory Financing?

Finance the upgrade. Lower the cost per kilometer.
Tires are one of the most frequent and unavoidable costs in commercial trucking — but paying for a full set upfront isn't always practical, especially when that cash is needed for fuel, payroll, and the next load. Tire and accessory financing lets you cover the cost of a commercial tire purchase, accessory upgrade, or equipment upfitting without paying the full invoice at once. The cost is financed into manageable monthly payments, and we pay your supplier or shop directly once your file is approved.

This applies to qualifying commercial, agricultural, and OTR tire purchases, as well as accessories and equipment upfitting — helping owner-operators and fleets prioritize safety and performance without compromising cash flow.
  • Funds paid directly to your tire supplier or shop
  • No down payment required
  • Manageable monthly payments over 6 to 12 months
  • Financing from $2,500 up to $10,000 for qualifying purchases

Tire & Accessory Financing Benefits

Stay compliant. Stay efficient. Protect your cash flow.
Running on worn tires or delaying a necessary upgrade doesn't save money — it costs more in fuel, wear, and risk. Tire and accessory financing lets you make the right call for your truck's safety and performance without draining your operating account to do it.
With Mehmi Tire & Accessory Financing, You Can:
  • Replace tires proactively instead of waiting until they're a liability
  • Finance commercial, agricultural, and OTR tires with manageable monthly payments
  • Keep operating cash free for fuel, insurance, and payroll
  • Spread the cost of accessories or upfitting over 6 to 12 months
Ideal If You Want To:
  • Avoid delaying a tire replacement due to upfront cost
  • Upgrade your truck's accessories or upfitting without a lump-sum payment
  • Spread fleet-wide tire upgrades over time rather than all at once

Why Choose Mehmi for Tire & Accessory Financing?

At Mehmi Financial Group, we know that tires don't wait for a convenient time — and neither does compliance. Tire and accessory financing gives Canadian owner-operators and fleets a fast, straightforward way to keep their equipment road-ready without disrupting cash flow. Premium tires deliver longer tread life, better fuel efficiency, and a lower cost per kilometer, but only if you can actually put them on the truck. We make that possible.

We don't report your account to the credit bureaus unless a default leads to collections, so financing your tires or accessories doesn't show up as new debt in the normal course of repayment. And because this is commercial financing, interest may be tax-deductible if you file as a business — confirm the details with your accountant.
  • Tire and accessory financing from $2,500 to $10,000
  • Terms of 6 to 12 months for qualifying purchases
  • Supports commercial, agricultural, and OTR tires, plus accessories and upfitting
  • Transparent terms — a flat $250 admin fee included in your payment schedule, no other hidden costs
Finance Smarter — Tire & Accessory Financing Made Easy

Stay road-ready and compliant without tying up the cash you need for fuel, insurance, and payroll. We review your invoice and your business to get you a decision fast.

Tire & accessory financing from $2,500

No down payment required

Conditional approval often within 1 business hour

No early payout penalty (open loan)
Get Started

Who Qualifies for Tire & Accessory Financing?

You’re likely a strong match if:

  • You have a tire, accessory, or upfitting invoice between $2,500 and $10,000
  • Your truck or equipment is commercially active
  • You have steady job or business history and a 650+ credit score

Even with a lower credit score or shorter history, you may still qualify — strong cash flow or a cosigner can help strengthen an application. We typically look for a credit profile in the 650+ range, but we'll also weigh the full picture of your file. Invoices over $10,000 are reviewed under our general repair financing terms.

Apply now

3 Steps. No Surprises.

The Mehmi Financial Group experience is simple, quick, and built around your purchase — not just your credit score.

Get your tire or accessory invoice

From your supplier or shop — whether it's a full set of commercial drive tires, OTR tires for your equipment, or an accessory or upfitting package for your truck.

Get In Touch

Send us the invoice and your business details, and we'll let you know what else we need.

Get Approved

Most files get a conditional decision within one business day, with funds paid directly to your supplier or shop once approved.

Tire & Accessory Financing vs Credit Card vs Cash: What's Right for Your Business?

Feature Tire & Accessory Financing Credit Card Cash
Cost of Borrowing About 1.5%/month on the declining balance — averaging just over 10% annually Typical Canadian card rates run about 19.99%–25.99% if a balance is carried No interest, but ties up working capital
Upfront Cost No down payment required Uses available card limit Full invoice paid immediately
Where Funds Go Paid directly to your tire supplier or shop Charged to your card at point of sale Paid directly from your account
Early Payout No early payout penalty (open loan) N/A N/A
Impact on Credit Not reported to credit bureaus unless an account defaults Reduces available credit, may affect utilization No credit impact, but reduces cash reserves
Tax Treatment Interest may be tax-deductible for commercial use* Interest typically not deductible on personal cards N/A
Financing your tires at 1.5%/month on a declining balance costs significantly less than carrying that same amount on a credit card at typical Canadian rates — and it keeps your operating cash free for fuel, payroll, and the road ahead.

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

FAQ: Got Questions? We’re Straightforward.

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

Yes. Mehmi Financial Group reviews tire and accessory financing applications from a wide range of credit profiles. Strong cash flow or a cosigner can help strengthen a file even with a challenged credit history.

How fast can I get approved and funded?

Most files get a conditional decision within one business day once your invoice and documents are submitted. Once approved, we pay your tire supplier or shop directly.

Do you pay the supplier or shop directly, or do I get the funds?

We pay the supplier or shop directly once approval and final documentation are complete. That keeps things simple and gets your tires or accessories ordered without you covering the cost upfront.

Do I need a down payment?

No. Tire and accessory financing through Mehmi requires no down payment, so you can get your purchase moving without paying anything upfront.

What invoice sizes qualify?

Tire and accessory financing typically starts at $2,500 and goes up to $10,000, with terms of 6 to 12 months. If your invoice exceeds $10,000, it will be reviewed under our general repair financing terms — get in touch and we can walk you through the options.

Can I pay off the balance early?

Yes. This is an open loan, so you can pay it off in full or in part at any time with no early payout penalty.

What if I need more than $10,000 for tires or accessories?

Invoices over $10,000 are reviewed under our general repair financing terms, which offer higher limits and longer terms. Our Repair & Breakdown Financing page covers the details, or reach out and we'll point you in the right direction.

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

All of Our Commercial Repair Financing Services

Finance the repair or accessory. Keep the truck, trailer or heavy equipment earning.

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