City guide
Census figures, the industries that drive Mirabel, local programs and a worked example in Canadian dollars.
✓ Checking what you qualify for does not affect your credit score.
Mirabel 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. Mirabel is a city of 61,108 residents (2021 Census), grown from 50,513 in 2016.
Locally, retail employs the biggest share of private-sector workers (13.8% of the labour force), and that mix is what a funder reads in the bank statements.
All figures: Statistics Canada 2021 Census (income figures refer to 2020).
The census labour-force tables show which industries carry Mirabel. The biggest private sectors, against the provincial figures:
| Industry (NAICS) | Mirabel | QC |
|---|---|---|
| Retail trade | 13.8% | 11.8% |
| Health care and social assistance | 12.9% | 14.2% |
| Construction | 12.0% | 6.8% |
| Manufacturing | 11.9% | 10.3% |
| Professional, scientific and technical services | 6.2% | 7.9% |
| Transportation and warehousing | 5.3% | 4.8% |
The sector that sets Mirabel apart is construction, at 1.8 times its weight across Quebec. That concentration shows up in deposit patterns, from contract payments to seasonal peaks.
Based on the Mirabel industry mix, in order of fit:
Sector pages that apply here: Retail, Grocery stores, Medical clinics, Dental practices, Construction.
A roofing company in Mirabel with about $84,000 in monthly deposits takes $46,000 to take a supplier's volume discount at a 1.22 factor rate, for a total payback of $56,120 over about 12 months. That works out to roughly $1,080 a week, or about 6% of monthly deposits; the cost is fixed at $10,120 however quickly it is repaid on schedule.
Sample arithmetic; not a quote. Run your own figures in the calculators.
Trades set much of the local tempo. Materials are bought before invoices are paid, and holdbacks delay final payments. Expect a Mirabel winter slowdown in construction and a post-holiday dip in spending.
Seasonal owners do better applying with a year of statements ready.
Public and private funding can work together: approved projects in Mirabel sometimes use an advance until the program pays (details).
Nobody needs to visit an office: we have none in Mirabel. Everything from application to funding happens remotely.
Around $20,000 a month in deposits is where many Canadian files begin. Twelve months of history and limited negative days are the other usual markers. Credit from 500 is considered; 600+ widens the options. Every file is judged on its own. Bring a signed application and about four months of business bank statements. Ready? Begin the application. Questions: (305) 384-8391.
Closest guides to Mirabel, as the crow flies: Saint-Colomban (10 km), Saint-Joseph-du-Lac (15 km), Blainville (16 km), Saint-Jérôme (16 km), Saint-Eustache (17 km).
See the Quebec guide for the full provincial list.
Yes, Mirabel is covered. What counts is revenue, history and how the account is run.
Statistics Canada reported 61,108 residents for 2021 (50,513 in 2016).
By jobs: retail first, then health care and construction. Relative to the province, construction is the standout.
Canada Economic Development for Quebec Regions (CED) covers Mirabel. Its support is project-based and slower than a business cash advance.
Everything is remote, so being in Mirabel 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.
