Canada

Business funding for Canadian businesses, explained with the numbers.

Merchant cash advance and revenue-based funding for established Canadian businesses. Decisions are often same day. Every cost, requirement and repayment structure is explained before you apply.

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✓ Checking what you qualify for does not affect your credit score.

What we do for Canadian businesses

Merchant Fund Express is a funding marketplace. We take one application, read your file, and match it to the structure that fits how your business actually earns: a merchant cash advance against card sales, a business cash advance sized on total deposits, or revenue-based financing where the payment moves with revenue.

Canadian files are reviewed on the same logic as U.S. ones: deposits, time in business and the health of the account. Funding is available to Canadian businesses across the provinces and territories, and the exact structure, amount and timing depend on the file.

The shape of a typical request

A café in Halifax with $60,000 a month in deposits and four years in business asks for $40,000 for a second espresso bar. The advance is priced at a factor rate, repaid as a small share of daily sales, and the café sees the total payback before signing.

Where Canadian files usually start

Monthly revenueTypically from around $20,000 a month in deposits for Canadian files. The exact line varies by funder and by file.

Time in businessTypically about 12 months. Newer businesses can be reviewed, but the options narrow.

Account healthLimited low-balance or negative days. Funders read the last few months of bank statements for this.

CreditScores from 500 are considered. A score of 600 or higher opens more options and better offers.

DocumentsA signed application and recent business bank statements, typically the last four months.

Existing advancesFiles with an existing advance can be reviewed, including second position.

These are typical starting points, not guarantees. A strong file can sit below one of them and a weak one can sit above all of them.

Choose a structure

Merchant cash advance: a purchase of future receivables, repaid as a share of card sales or a fixed debit.
Business cash advance: sized on total deposits, for businesses that are not mostly card-based.
Revenue-based financing: a repayment multiple taken as a percentage of revenue, so the payment flexes.
Not sure which? The comparison page puts them side by side.

Explore by province, city and industry

Start with your province or territory, a nearby city hub or your industry. Each guide covers local seasonality and what funders look at for that kind of business.

Prefer numbers first? The seven calculators run in your browser and nothing is stored.

Go deeper

Plain-language help for every stage of the decision:

Use casesPayroll, inventory, expansion, hiring and more SituationsCredit, NSFs, time in business, sole proprietors ComparisonsAdvance vs loan, line of credit, factoring GlossaryForty terms in plain language GuidesTen practical guides for owners 36 industriesHow each trade is read 42 city guidesLocal sectors and corridors

Common questions

Do you fund Canadian businesses?

Yes. Canadian businesses are funded, subject to funder review of the file. We are a marketplace, so the match depends on your deposits, time in business and account health.

What do I need to apply?

A signed application and recent business bank statements, typically the last four months. Applying does not affect your credit score.

How fast is funding?

Decisions are often the same day. Funding can follow the next business day once the file is complete and the agreement is signed.

Is there a minimum credit score?

Scores from 500 are considered. A score of 600 or higher opens more options and better offers.

Are amounts in Canadian dollars?

Yes. Examples on these pages are in Canadian dollars, and calculators format in CAD.