City guide
What Pembroke'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 Pembroke business can be funded. Merchant Fund Express reviews Canadian files from Ontario for merchant cash advances, business cash advances and revenue-based financing. Pembroke is a city of 14,364 residents (2021 Census), grown from 13,882 in 2016.
The census shows health care as the leading private sector at 16.4% of local jobs, followed by retail and accommodation and food services.
Data: 2021 Census Profile, Statistics Canada.
Three structures cover most Pembroke requests:
Industry guides: Medical clinics, Dental practices, Retail, Grocery stores, Restaurants.
Employment by industry is the best public picture of what a local economy sells. In Pembroke, the six largest private sectors look like this next to the Ontario average:
| Industry (NAICS) | Pembroke | ON |
|---|---|---|
| Health care and social assistance | 16.4% | 12.0% |
| Retail trade | 16.2% | 11.1% |
| Accommodation and food services | 9.2% | 5.4% |
| Professional, scientific and technical services | 7.7% | 9.5% |
| Construction | 6.2% | 7.5% |
| Administrative, support and waste management services | 5.9% | 4.5% |
What stands out is accommodation and food services: 9.2% of local workers, about 1.7 times the Ontario share. Businesses that sell to, supply or serve that sector make up a large part of the local file mix. Retail runs above average too, at 1.5 times the provincial weight.
Retail and services dominate, with modest swings. Expect the usual holiday and back-to-school peaks and a quiet January. January and February are the quiet stretch for many Pembroke retailers.
A revenue-linked payment can follow a seasonal curve.
A café in Pembroke deposits about $27,000 a month, of which roughly $16,200 comes from card sales. It takes a $16,000 advance to replace kitchen or shop equipment at a 1.22 factor rate, so the total to repay is $19,520. With a 12% holdback on card sales, about $1,944 a month goes to the funder and the advance is repaid in roughly 10 months; in a slower month the payment shrinks with sales.
Sample arithmetic; not a quote. Try the Canadian calculators with Pembroke figures.
Public and private funding can work together: approved projects in Pembroke sometimes use an advance until the program pays (details).
Nobody needs to visit an office: we have none in Pembroke. You apply online and talk to a specialist by phone or email.
Most Canadian approvals begin near $20,000 in monthly deposits. About 12 months in business and few low-balance days help. Scores from 500 are reviewed, and 600 or higher brings better offers. Every file is judged on its own. Bring a signed application and about four months of business bank statements. Apply online or call (305) 384-8391.
Closest guides to Pembroke, as the crow flies: Laurentian Valley (13 km), Petawawa (15 km), Whitewater Region (28 km), Renfrew (51 km), McNab/Braeside (65 km).
See the Ontario guide for the full provincial list.
Current as of October 2026; industry shares use 25% sample data.
Yes. Pembroke, ON files are reviewed like any Canadian file: deposits, time in business and account health.
Statistics Canada reported 14,364 residents for 2021 (13,882 in 2016).
Health care, retail and accommodation and food services employ the most people; accommodation and food services stands out against Ontario.
FedDev Ontario covers Pembroke. Its support is project-based and slower than a business cash advance.
No office visit is required. Pembroke 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.
