Does cash revenue count?

Only if it is deposited to the business account.

Do transfers between my own accounts count?

No. Transfers are excluded from revenue.

Is there a maximum revenue?

No. Larger businesses can access larger amounts.

Minimum Revenue for Business Funding in Canada

What is the minimum revenue for business funding in Canada?

For merchant cash advances and revenue-based financing, Canadian files typically start from around $20,000 a month in deposits, though the exact line varies by funder and file. Banks and government-backed programs use different criteria, often based on financial statements rather than monthly deposits.

Key facts

MCA and RBF: around $20,000 a month in deposits
Measured on deposits or card sales, not profit
Strong files slightly below the line can be reviewed
Banks focus on profitability and statements

Typical starting points by product

Product	Typical revenue starting point	How it is measured
Merchant cash advance	Around $20,000 a month	Deposits or card sales
Revenue-based financing	Around $20,000 a month	Total deposits
Bank term loan or line	Varies; profitability matters	Financial statements
Government-backed loans	Program-specific	Business plan and statements

These are typical starting points, not guarantees. A strong file slightly below a line can still be reviewed, and a weak file above it can still be declined.

If you are below the line

Consolidate revenue into one business account so all of it is visible.
Wait until your busy season has passed through the statements.
Look at programs designed for young businesses, such as Futurpreneur or community loan funds.
Use supplier terms or customer deposits for working capital in the meantime.

Revenue vs profit

Deposit-based funders look at revenue first, but they also look at what is left after fixed costs. A business with high revenue and very thin margins may be offered less than a smaller business with healthy margins.

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.

If your question is about your own file rather than the general rule, the fastest route to a specific answer is a review. Send a signed application and your last four months of business bank statements, mention this question in a note, and the response will address it directly. You can also call (305) 384-8391 and ask before applying; there is no cost to ask.

Questions owners ask next

Sources and review

Reviewed by the Merchant Fund Express team on October 12, 2026. Official pages checked as of that date.

Keep reading

Merchant cash advance CanadaHow an advance against future card sales works Revenue-based financing CanadaRepay a fixed multiple as a share of revenue Funding requirementsTypical starting points for Canadian files How much funding can my Canadian business get?Most revenue-based offers are sized as a share of monthly deposits. A common range is roughly 50% to 125% of one month's revenue for a first advance, adjusted for account health, time in business, credit and existing obligations. The right amount is the one your business can repay comfortably, which may be less than the maximum.Six months in businessSix months of history gives a funder a real pattern to read, even if it is shorter than th

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

What is the minimum revenue for business funding in Canada? A plain answer.