City guide
Census figures, the industries that drive Farnham, local programs and a worked example in Canadian dollars.
✓ Checking what you qualify for does not affect your credit score.
Farnham business owners can apply for funding sized on their bank deposits: a merchant cash advance, a business cash advance or revenue-based financing, reviewed from anywhere in Quebec. Farnham is a city of 10,149 residents (2021 Census), grown from 8,909 in 2016.
Locally, manufacturing employs the biggest share of private-sector workers (21.1% of the labour force), and that mix is what a funder reads in the bank statements.
Figures from the 2021 Census Profile published by Statistics Canada.
The way Farnham customers pay points to the structure:
Read next: Manufacturing, Food manufacturers, Medical clinics, Dental practices, Retail.
The census labour-force tables show which industries carry Farnham. The biggest private sectors, against the provincial figures:
| Industry (NAICS) | Farnham | QC |
|---|---|---|
| Manufacturing | 21.1% | 10.3% |
| Health care and social assistance | 13.5% | 14.2% |
| Retail trade | 10.4% | 11.8% |
| Construction | 8.8% | 6.8% |
| Agriculture, forestry, fishing and hunting | 5.7% | 1.8% |
| Other services, such as repair and personal care | 5.3% | 4.4% |
What stands out is farming, forestry and fishing: 5.7% of local workers, about 3.1 times the Quebec share. Businesses that sell to, supply or serve that sector make up a large part of the local file mix. Manufacturing runs above average too, at 2.0 times the provincial weight.
A cattle operation in Farnham with about $71,000 in monthly deposits takes $50,000 to take a supplier's volume discount at a 1.30 factor rate, for a total payback of $65,000 over about 6 months. That works out to roughly $2,502 a week, or about 15% of monthly deposits; the cost is fixed at $15,000 however quickly it is repaid on schedule.
Illustrative only, not an offer. Run your own figures in the calculators.
Factories run on purchase orders and net terms. Working capital, not demand, is the usual squeeze. Snow season helps Farnham clearing and indoor trades but slows patios and landscaping.
Explain a predictable dip when you apply rather than letting the numbers speak alone.
Public and private funding can work together: approved projects in Farnham sometimes use an advance until the program pays (details).
We do not keep a branch in Farnham. Everything from application to funding happens remotely.
Expect a typical starting point of roughly $20,000 in monthly deposits. Time in business of about a year, with limited negative days, is typical. A 500 score can work, though 600+ opens more doors. Every file is judged on its own. Bring a signed application and about four months of business bank statements. Start here, or phone (305) 384-8391.
Closest guides to Farnham, as the crow flies: Saint-Césaire (14 km), Cowansville (20 km), Marieville (22 km), Saint-Jean-sur-Richelieu (22 km), Granby (23 km).
See the Quebec guide for the full provincial list.
Yes, Farnham is covered. What counts is revenue, history and how the account is run.
Statistics Canada reported 10,149 residents for 2021 (8,909 in 2016).
Manufacturing, health care and retail employ the most people; farming, forestry and fishing stands out against Quebec.
Canada Economic Development for Quebec Regions (CED). It funds projects; for working capital, private funding moves faster.
No office visit is required. Farnham applications are handled online and by phone.
Educational information only. It is not legal, tax or accounting advice.
Same-day decision. Applying takes a few minutes and will not affect your credit score.
