City guide
Census figures, the industries that drive Prince George, local programs and a worked example in Canadian dollars.
✓ Checking what you qualify for does not affect your credit score.
Yes. Businesses in Prince George, British Columbia can apply for a merchant cash advance, a business cash advance or revenue-based financing, and the application is reviewed on the same terms as anywhere else in Canada. Prince George is a city of 76,708 residents (2021 Census), grown from 74,003 in 2016.
The census shows health care as the leading private sector at 15.4% of local jobs, followed by retail and construction.
All figures: Statistics Canada 2021 Census (income figures refer to 2020).
Northern BC's service centre for forestry, transportation, healthcare and regional retail.
Prince George is the service and supply centre for much of northern British Columbia. Forestry and wood products, rail and highway transport and regional healthcare drive the local economy, and cold winters raise operating costs for many businesses.
Businesses serving forestry should explain sector cycles in their notes.
The census labour-force tables show which industries carry Prince George. The biggest private sectors, against the provincial figures:
| Industry (NAICS) | Prince George | BC |
|---|---|---|
| Health care and social assistance | 15.4% | 12.3% |
| Retail trade | 12.2% | 11.6% |
| Construction | 8.6% | 9.0% |
| Manufacturing | 7.6% | 5.9% |
| Accommodation and food services | 7.4% | 7.0% |
| Transportation and warehousing | 6.2% | 5.5% |
What stands out is farming, forestry and fishing: 3.2% of local workers, about 1.4 times the British Columbia 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 1.3 times the provincial weight.
Start from how you get paid.
Industry guides: Medical clinics, Dental practices, Retail, Grocery stores, Construction.
Most businesses here serve households and other businesses. Holiday spending lifts the fourth quarter. January and February are the quiet stretch for many Prince George retailers.
Resource cycles drive demand; harsh winters raise costs.
A revenue-linked payment can follow a seasonal curve.
A grain and oilseed farm in Prince George with about $96,000 in monthly deposits takes $58,000 to buy materials for booked jobs at a 1.22 factor rate, for a total payback of $70,760 over about 9 months. That works out to roughly $1,816 a week, or about 8% of monthly deposits; the cost is fixed at $12,760 however quickly it is repaid on schedule.
Not an offer: real terms vary by file. Run your own figures in the calculators.
Program money is slow. When a Prince George owner is waiting on a contribution, a short advance can bridge the gap.
Our team is not located in Prince George. Applications are online, statements upload securely and a specialist calls you back.
As a rough guide, Canadian files usually start around $20,000 a month in deposits. About 12 months in business and few low-balance days help. Credit is read too: 500 and up is considered, 600+ is stronger. Every file is judged on its own. The paperwork: the application plus four recent months of statements. Start here, or phone (305) 384-8391.
Close to Prince George: Quesnel (106 km), Williams Lake (202 km), Dawson Creek (261 km), Fort St. John (286 km), Smithers (302 km).
More BC towns: British Columbia funding guide.
Yes. Owners in Prince George apply online and are reviewed on the same criteria as the rest of British Columbia.
Statistics Canada reported 76,708 residents for 2021 (74,003 in 2016).
Health care, retail and construction employ the most people; farming, forestry and fishing stands out against British Columbia.
Pacific Economic Development Canada (PacifiCan). It funds projects; for working capital, private funding moves faster.
No. We work remotely; there is no local office in Prince George, and none is needed.
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.
