City guide
What Kawartha Lakes's economy runs on, how that shows up in a funding file, and the steps to apply remotely.
✓ Checking what you qualify for does not affect your credit score.
Short answer: a Kawartha Lakes business can be funded. Merchant Fund Express reviews Canadian files from Ontario for merchant cash advances, business cash advances and revenue-based financing. Kawartha Lakes is a city of 79,247 residents (2021 Census), grown from 75,423 in 2016.
The census shows construction as the leading private sector at 13.6% of local jobs, followed by health care and retail.
Source: Statistics Canada, 2021 Census of Population.
Employment by industry is the best public picture of what a local economy sells. In Kawartha Lakes, the six largest private sectors look like this next to the Ontario average:
| Industry (NAICS) | Kawartha Lakes | ON |
|---|---|---|
| Construction | 13.6% | 7.5% |
| Health care and social assistance | 13.3% | 12.0% |
| Retail trade | 12.6% | 11.1% |
| Manufacturing | 7.3% | 9.1% |
| Accommodation and food services | 5.2% | 5.4% |
| Administrative, support and waste management services | 5.0% | 4.5% |
The sector that sets Kawartha Lakes apart is farming, forestry and fishing, at 2.5 times its weight across Ontario. That concentration shows up in deposit patterns, from contract payments to seasonal peaks. A second, smaller concentration is construction (13.6% of local workers).
Three structures cover most Kawartha Lakes requests:
Read next: Construction, General contractors, Medical clinics, Dental practices, Retail.
Trades set much of the local tempo. Materials are bought before invoices are paid, and holdbacks delay final payments. Cold months shift Kawartha Lakes work indoors and pause outdoor projects.
Seasonal owners do better applying with a year of statements ready.
A cattle operation in Kawartha Lakes with about $105,000 in monthly deposits takes $74,000 to buy materials for booked jobs at a 1.24 factor rate, for a total payback of $91,760 over about 9 months. That works out to roughly $2,355 a week, or about 10% of monthly deposits; the cost is fixed at $17,760 however quickly it is repaid on schedule.
Sample arithmetic; not a quote. Check your numbers with the Canada Funding Readiness Score.
Program money is slow. When a Kawartha Lakes owner is waiting on a contribution, a short advance can bridge the gap.
We do not keep a branch in Kawartha Lakes. Applications are online, statements upload securely and a specialist calls you back.
Funders typically look for about $20,000 or more deposited each month. Twelve months of history and limited negative days are the other usual markers. Credit from 500 is considered; 600+ widens the options. Terms vary by funder and file. You will need roughly four months of business statements and the signed application. Apply online or call (305) 384-8391.
Within reach of Kawartha Lakes: Ramara (27 km), Trent Lakes (34 km), Brock (40 km), Selwyn (43 km), Dysart et al (43 km).
The Ontario overview lists every ON community we cover.
Current as of October 2026; industry shares use 25% sample data.
Yes. Kawartha Lakes, ON files are reviewed like any Canadian file: deposits, time in business and account health.
Statistics Canada reported 79,247 residents for 2021 (75,423 in 2016).
By jobs: construction first, then health care and retail. Relative to the province, farming, forestry and fishing is the standout.
FedDev Ontario. It funds projects; for working capital, private funding moves faster.
Everything is remote, so being in Kawartha Lakes is no obstacle.
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.
