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Canadian Merchant Cash Advance

Get the working capital you need, in 7 days or less, with our Canadian Merchant Cash Advance.

We provide our customers, like you, with financing to help grow your business! Unlike traditional loans, Merchant Cash Advances have no fixed payments, timeframe or interest rates. It is the purchase of future debit and credit card sales at a discount and it is repaid directly through a small percentage of your daily sales transactions.

In order to obtain this business loan alternative, customers must have a relationship with an approved merchant service provider, for your Interac and Credit Card Processing.

Get the working capital you need, in 7 days or less, with our Canadian Merchant Cash Advance.

Commercial Business Loans
  • No lock – box account, meaning no extra fees associated with account set up, no batch delays of 3 to 6 days and no extra accounting hassles
  • No switching debit and credit card payment processing accounts
  • Funds typically available in 7 days or less
  • No application fees
  • No outside collateral
  • No fixed payment schedule or timeframe - we get paid only when you get paid
  • Guaranteed approvals within 1 hour
  • Quick, fast and friendly customer service
  • Online access to merchant account information
  • No cheques to write – all payments are automated
  • Depending on your business type, we can typically advance you up to 20% - 30% more than your business' monthly processing average
  • Up to $150,000 per location
  • You are free to use the funds however you choose
  • No impact on your ability to qualify for other financing
  • No hassles – Short application process

How to qualify

  • In order to qualify your business must accept either Visa, MasterCard, Amex or Debit
  • You must process a minimum of $7,500 per month in combined Visa, MasterCard and debit sales
  • You have been accepting debit and/or credit cards at your business for a minimum of 6 full months
  • You own a business (or you have recently purchased a business) that has been opened for a minimum of 1 year
  • You must be current with your landlord (we do perform a landlord verification call) or current with your mortgage if you own the building
  • You cannot have any open bankruptcies in the last 24 months