Confirm the cash requirement
Include the upcoming payroll and related costs, existing commitments and cash already available. Keep estimates separate from confirmed figures.
BUSINESS USE CASE · CANADA & USA
Cover Payroll
Understand the timing gap before adding a new payment commitment.
Apply for financing
Start with the business need.
Wages and related employment costs can fall due before customer payments arrive. A short-term cash gap may be different from a payroll budget the business cannot consistently support. Start with a dated forecast and the source of repayment. Financing is subject to review and should not be assumed available by a payroll deadline.
Build a practical plan.
Identify incoming cash
List customer receipts and their expected dates. Review overdue invoices and collection steps rather than relying on unconfirmed revenue.
Check the following pay cycles
Assess whether proposed repayments leave enough cash for the next payroll. Repeated shortfalls need an operating review as well as a financing discussion.
Financing routes to explore.
Working Capital Financing
For a defined operating cash requirement, where the proposed use and business meet program criteria.
Explore working capital financing →Business Line of Credit
For recurring timing needs, if a suitable revolving facility is available. Consider the ongoing cost and repayment conditions.
Explore business line of credit →Invoice & Freight Factoring
For eligible customer invoices. Review the advance, fees and obligations rather than assuming the full invoice amount will be available.
Explore invoice & freight factoring →What to prepare.
A short-term cash forecast
Show the payment dates, available funds, expected receipts and existing repayments.
Receivables information
Provide invoice aging and customer payment terms if incoming invoices are part of the repayment plan.
Business financial records
Prepare the business details and financial documents requested for review. Share only the employee-level information specifically required through an appropriate secure channel.
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.
Can funding be guaranteed before payroll is due?
No. Timing depends on review, documents and other conditions. Discuss deadlines early and do not treat an application as committed funds.
Do unpaid invoices create another option?
Eligible receivables may support a factoring request. Customer eligibility, fees and other conditions still need assessment.
What if payroll is short every month?
Review revenue, staffing costs, collections and the operating budget. Additional borrowing adds payments and may not address the underlying shortfall.
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.