Refinancing & Sale-Leaseback for Canadian Businesses

At Mehmi Financial Group, we help business owners across Canada refinance or lease back their existing assets to free up cash for operations, payroll, or growth. Whether you’re looking to consolidate debt, manage expenses, or reinvest into your business, a sale-leaseback provides liquidity while keeping your essential gear in use.

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What Is a Sale-Leaseback or Equipment Refinance?

A sale-leaseback allows your business to sell equipment you already own to a lender and immediately lease it back for continued use. You get instant access to the equipment’s equity while maintaining uninterrupted operations. Once the term ends, you can buy back the asset at a predetermined amount or return it — whichever makes the most financial sense.

A refinance, on the other hand, replaces an existing equipment loan or lease with a new one — often at a lower rate, longer term, or improved cash-flow structure.
Both solutions are powerful tools to access trapped equity and improve your working capital position.

‍Typical Use Cases
  • Consolidate short-term or high-interest loans
  • Free up cash for repairs, payroll, or expansion
  • Lower monthly payments by extending amortization
  • Unlock liquidity for bidding on new contracts

Why Businesses Choose Equipment Refinancing

Across Canada, refinancing has become one of the most popular funding strategies among asset-heavy industries.

According to 2025 CFIB data, over 38% of small businesses now use refinancing or sale-leasebacks to stabilize cash flow and avoid restrictive bank lending.

With rates rising and cash flow tightening, companies in construction, logistics, and manufacturing are turning to asset-based refinancing to stay agile.
Benefits Include:
  • Access up to 90% of your equipment’s appraised value
  • Maintain full operational use — no downtime or disruption
  • Reduce debt service ratios to qualify for future lending
  • Improve balance sheet liquidity
Ideal If You Want To:
  • Invest in your own equipment instead of renting
  • Improve working capital without sacrificing ownership
  • Build equity to refinance or expand later

Why Choose Mehmi for Refinancing & Sale-Leasebacks?

At Mehmi Financial Group, we understand that cash flow is the lifeblood of every business. Our equipment refinancing and sale-leaseback programs are designed to help Canadian business owners unlock the value of their owned assets without losing access to them. Whether you operate in trucking, construction, manufacturing, or agriculture, we help you convert your equipment equity into working capital — fast.

Our team works with lenders who understand real-world business challenges — not just credit scores. That’s why we structure refinance and leaseback solutions that fit your cash-flow needs, not a rigid bank model. Even if you’ve faced slow months, CRA arrears, or past credit setbacks, we can help you restructure debt and regain liquidity.

We’re trusted by contractors, fleet operators, and manufacturers across Canada because we make refinancing simple, affordable, and transparent — helping businesses keep their operations running while freeing trapped equity.

‍With Mehmi, You Get:
  • Access to 30+ specialized asset-based and private lenders nationwide
  • Funding against owned or nearly-paid-off equipment within 24–48 hours
  • Flexible leaseback buyout options and terms up to 72 months
  • Transparent terms — no hidden fees or surprises
Finance Smarter — Refinancing & Sale-Leasebacks Made Easy

Unlock the equity in your equipment without slowing down operations. Mehmi Financial Group helps Canadian businesses refinance or lease back their owned assets to access cash flow quickly — while keeping the equipment they rely on.
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Access up to 90% of equipment value

Keep using your trucks, machinery, or tools

Terms up to 72 months

Funds within 48 hours
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What You Can Refinance or Lease Back with Us

We provide equipment refinancing and sale-leaseback solutions for businesses across construction, transportation, manufacturing, agriculture, medical, and industrial sectors. Whether you’re unlocking equity from owned assets or restructuring your existing debt, we make it easy to turn your equipment into working capital — while you keep using it.

‍Eligible Asset Categories:
  • Construction Equipment: Excavators, skid steers, trenchers, loaders, bulldozers, backhoes
  • Industrial Machinery: CNC machines, presses, compressors, power tools, generators
  • Agricultural Equipment: Tractors, harvesters, sprayers, tillers, irrigation systems
  • Warehouse & Material Handling: Forklifts, pallet jacks, scissor lifts, conveyors, racking
  • Medical & Dental Equipment: Imaging machines, treatment chairs, sterilization units, lab devices
  • Restaurant & Food Service: Ovens, mixers, refrigeration, prep stations, fryers
Whether your assets are new, used, or fully depreciated, we help you extract their value and put it back into your business.
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Check Out Our Full List of Eligible Equipment

Who Qualifies for a Sale-Leaseback

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're financing equipment for commercial use (not personal)

Even businesses with lower credit or shorter histories may qualify — strong cash flow, equipment collateral, or a co-signer can help secure lender approval.

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

Find the Equipment you need

Whether it be an individual's private sale or equipment listed by a dealer, there are numerous options available.
Browse Used Equipment
2

Get In Touch

An all-in-one customer service platform that helps you balance everything your customers need to be happy.
3

Get Approved

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

Equipment Loan vs Lease vs Line of Credit: What’s Right for Your Business?

Feature Equipment Loan Equipment Lease Equipment Line of Credit
Ownership You own the asset from day one Lender owns asset during term; option to buy No ownership until you make a purchase
Best For Long-term use & building equity Preserving cash & tax flexibility Urgent needs, auctions, and fast-moving purchases
Upfront Costs Low to moderate (down payment may apply) First payment + basic lease fees None until you draw funds
Payment Structure Fixed monthly payments Fixed or variable lease payments Interest-only until drawn, then amortized
End-of-Term Options You own the equipment Renew, return, or buy it out Revolves for future use
Credit Requirements Flexible — options available for challenged credit More lenient for startups and low-credit Stronger credit or collateral often needed
Tax Benefits Depreciation and interest deductible Lease payments may be fully deductible* Interest may be tax-deductible

*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 limited credit history?

Yes. Mehmi Financial Group provides equipment loans to Canadian businesses with a wide range of credit profiles — including startups, low-credit applicants, and those rebuilding after financial setbacks. Our flexible underwriting process helps business owners access the capital they need when banks say no.

Do you finance equipment from private sellers, auctions, or classifieds?

Absolutely. We offer equipment loans for assets purchased through private sellers, online marketplaces, auctions, or classified listings. Whether it's a used excavator or a forklift from Kijiji, we can help.

How fast can I get approved and funded for an equipment loan?

Approvals typically happen within 24–48 hours. Once documents are submitted, our streamlined process enables quick turnaround for used, new, or private-sale equipment. Most deals are funded within 2 business days.

Can I get pre-approved before shopping for equipment?

Yes. Getting pre-approved gives you clarity on your financing budget and strengthens your negotiation power when shopping for equipment. This applies to new, used, or private-sale gear across Canada.

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

Yes. For qualified applicants, we structure deals with low or $0 down payments based on credit strength, asset type, and lender policies. This helps preserve working capital while accessing critical equipment.

Can you finance older equipment or high-hour machines?

Yes. We assess the asset’s condition, resale value, and business utility. From older skid steers to high-hour tractors, if it’s viable for commercial use, we’ll consider it — especially for construction, farming, and industrial clients.

Do you offer working capital or asset-backed funding in addition to equipment loans?

Yes. We offer sale-leaseback programs, equipment lines of credit, and asset-based lending. If you want to unlock cash from owned equipment or inventory, we can help structure a custom financing package.

Trusted by Businesses
Across Canada

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

Let’s Get You Funded

Ready to unlock the equity in your equipment?
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Mehmi Financial Group helps Canadian businesses turn owned assets into working capital through transparent, flexible refinancing and sale-leaseback solutions.
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