Merchant Cash Advances
Merchant Cash Loans Canada
Are you a Canadian business owner looking for a fast, flexible way to access capital? We specialize in merchant lending in Canada, offering tailored financial solutions that help small and medium-sized businesses thrive. Whether you need working capital, want to expand operations, or are managing cash flow gaps, our merchant loan options are designed to fit your unique needs—quickly and efficiently. Call us at 888-771-5980 to see if you qualify for business funding.
What Is Merchant Lending?
Merchant lending, also known as a merchant cash advance (MCA), is a form of alternative financing that provides businesses with a lump sum of capital in exchange for a percentage of future sales. This type of funding is ideal for businesses that have strong daily credit or debit card sales but may not qualify for traditional bank loans. Whether you're a restaurant in Toronto, a boutique in Vancouver, or an auto repair shop in Calgary, merchant lending can offer the capital boost you need.
Merchant Cash Advance Canada Quote
Key Features
- Fast approval – Funds in as little as 24 hours
- No fixed payments – Repay through a small portion of daily sales
- No collateral required
- Flexible terms tailored to your revenue flow
Why Choose Merchant Lending Over Traditional Business Loans?
Banks can be slow, paperwork-heavy, and often reluctant to lend to small businesses with limited credit history. Merchant lending offers a smarter, faster alternative. With merchant lending, your repayment automatically adjusts with your sales—so when business slows down, so do your payments.
Who Qualifies for Merchant Lending in Canada?
Merchant lending is ideal for businesses that:
- Have been in operation for at least 3–6 months
- Generate $5,000+ in monthly credit/debit card sales
- Operate from a brick-and-mortar or eCommerce platform
- Need $5,000 to $500,000 in short-term capital
- Have trouble securing traditional financing due to credit score or lack of collateral
Industries that commonly benefit:
- Restaurants and cafés
- Retail stores
- Medical and dental clinics
- Salons and spas
- Automotive services
- E-commerce retailers
How Merchant Lending Works
Getting started with merchant lending in Canada is easy. Here's how it works:
- Apply Online: Submit a short application form on our website. No lengthy paperwork required.
- Review and Approval: We assess your business performance, not just your credit score.
- Receive Funds: Once approved, receive funds within 24 to 48 hours.
- Repayment: A small percentage of your daily or weekly credit card sales goes toward repayment.
This system ensures that your business is never burdened with large fixed monthly payments, which can be especially helpful during slow seasons.
Benefits of Merchant Lending
As a top-rated provider of merchant lending services in Canada, we bring unmatched value to small and medium-sized business owners across the country.
✅ Lightning-Fast Approvals
We understand time is money. Get funded in as little as 24 hours, with a simple online application.
✅ Flexible Terms
Repayment is automatically aligned with your sales. During slow periods, you pay less—no stress, no penalties.
✅ Low Credit? No Problem
We look beyond your credit score and focus on the real performance of your business.
✅ Transparent Fees
No hidden charges. We provide clear, upfront pricing so you know exactly what to expect.
✅ Personalized Support
Work with a dedicated account manager who understands your business and helps you choose the best loan structure.
Frequently Asked Questions
Is merchant lending legal in Canada?
Yes, merchant lending is 100% legal and regulated under Canadian financial laws. It’s a widely accepted alternative financing solution for businesses.
Will it affect my credit score?
No. Merchant lending is not a loan in the traditional sense. It won’t impact your credit score unless you default on the agreement.
Can I repay early?
Absolutely! Early repayment options are available with no prepayment penalties.
How much can I borrow?
Depending on your revenue, you can qualify for anywhere from $5,000 to $500,000 in funding.
Get a Free Quote
Start Growing Your Business Today! Join thousands of Canadian entrepreneurs who have transformed their businesses with merchant lending from us. Whether you're launching a new location, restocking inventory, or managing a temporary cash shortfall, we provide the capital you need—fast, fair, and flexible.
🔐 100% Secure Application
⏱️ Funding in 24–48 Hours
Ready to see how much you qualify for? Click below to get a free, no-obligation quote. It takes less than 5 minutes—and could be the best decision you make for your business this year.
No Credit Impact | No Hidden Fees | Fast Approval
Optimize Your Business Potential with Merchant Lending in Canada. Don't let limited access to capital hold your business back. With merchant lending, funding is just a click away. Discover the smart alternative to bank loans—tailored for Canadian businesses like yours.
