Map the cash gap
List expected receipts and committed payments by date. Identify the lowest projected cash balance and which receipts are confirmed rather than assumed.
BUSINESS USE CASE · CANADA & USA
Maintain Cash Flow
Plan for the gap between paying your expenses and collecting customer payments.
Apply for financing
Start with the business need.
A business can be profitable and still face a cash shortfall when receipts arrive after wages, rent or supplier payments fall due. Start by separating a temporary timing gap from an ongoing operating loss. Financing adds repayment obligations, so the source and timing of repayment matter as much as the amount requested.
Build a practical plan.
Find the cause
A seasonal slowdown, slow-paying customers and rapid growth create different pressures. Address collections, payment terms and avoidable costs alongside any financing review.
Test the repayment plan
Check whether cash remains available after existing obligations and the proposed payments. If the gap repeats every month, review the underlying operating plan before adding debt.
Financing routes to explore.
Working Capital Financing
For a defined operating need. Compare the term, payments and total cost with the period the cash is required.
Explore working capital financing →Business Line of Credit
For recurring borrowing needs, if a revolving facility is available. Review access conditions, fees and repayment requirements.
Explore business line of credit →Invoice & Freight Factoring
For eligible outstanding customer invoices. Review fees, customer notification, collection arrangements and any recourse provisions.
Explore invoice & freight factoring →What to prepare.
A dated cash-flow forecast
Show upcoming payments, expected receipts, existing debt payments and the amount and duration of the shortfall.
Receivables and obligations
Bring invoice aging, supplier balances and details of commitments already due.
Business records
Prepare business details, recent bank statements and financial information requested for review.
Additional documents may be requested based on the business, location and proposed transaction.
Location matters.
Mehmi serves businesses in Canada and eligible U.S. markets. Share the country, province or state, business registration and transaction currency. Availability and requirements vary; a product offered in one location is not automatically available in another.
U.S. business financing →Questions about this use case.
Is cash-flow financing a separate product?
Cash flow describes the need. Working capital financing, revolving credit and invoice-based options have different structures and requirements.
Can financing fix an ongoing monthly shortfall?
Borrowing does not resolve an operating loss by itself. Review margins, expenses and collections, and assess whether repayments can be supported.
Can I apply without unpaid invoices?
You can discuss other financing structures. Factoring specifically depends on eligible receivables; other options have their own assessment criteria.
Tell us what you are planning.
Share the business location, purpose, amount requested and the information you have prepared.
Apply for financingFinancing is subject to application review and approval. Availability, costs, terms and documentation requirements vary by product, business and location. This page provides general information and is not a financing offer.