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Lightspeed Capital: what it offers, who it suits and what else exists.

A factual summary of Lightspeed Capital from its own public page, with a worked illustration in Canadian dollars.

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

What Lightspeed Capital publishes

From the public page at www.lightspeedhq.com/capital/, as of October 12, 2026. Terms change, so confirm on the provider's own site.

Describes a cash advance for merchants using Lightspeed Payments, who are reviewed for eligibility automatically each month.
Describes eligible merchants receiving a notification, then applying for review by the Capital team, with offers expiring after 30 days.
Describes repayment as a share of daily card sales rather than a fixed schedule, and a flat fee instead of interest.
Lists eligibility factors including business performance, transaction volume and history with Lightspeed Payments.
Its main page gives examples and does not publish Canada-specific minimums or maximums.

What that design means in practice

Like other platform programs, Lightspeed Capital uses data it already has on payment volume. That makes offers convenient for Lightspeed merchants, but the offer reflects card sales processed through that platform only.

A worked illustration

A restaurant processing most sales through Lightspeed may see an offer in its account. A restaurant that also earns from catering invoices and delivery apps may find a deposit-based review sees more of its revenue.

Every figure on this page is illustrative arithmetic in Canadian dollars. It is not an offer, a quote or a promise of approval.

Who it tends to suit

You use Lightspeed with Lightspeed Payments and receive an offer.
You want repayment tied to card sales on that platform.

When another route may fit better

You do not process through Lightspeed Payments.
Your revenue comes from several channels.
You need an amount larger than your offer.

Lightspeed Capital is a separate organization with no connection to Merchant Fund Express. Names belong to their owners; facts summarized October 12, 2026.

Questions worth asking

What percentage of my daily card sales would be taken?
What is the flat fee on my offer in dollars?
How long would repayment take at my current sales?
Can I accept other funding while this is open?

Comparing it with other offers

Platform offers are convenient because no documents are needed: the platform already sees your sales. The trade-off is that the offer is sized on that one stream. If your offer covers your need and the fee works, it may be the simplest option. If you sell through other channels or need more, compare it with a review of your full bank deposits before accepting.

Restaurants and retailers that also take orders through delivery apps, catering invoices or a separate online store should total those channels before deciding whether a card-only offer reflects the business.

Common questions

Do I need Lightspeed Payments to get an offer?

Its page describes eligibility reviews for Lightspeed Payments users, based partly on history with that service.

Where did this information come from?

From Lightspeed Capital's own public page, checked October 12, 2026. Confirm current terms directly with Lightspeed Capital.

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Educational information only. It is not legal, tax or accounting advice.

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