Merchant Fund Express
(305) 384-8391Apply
Home / Canada / City hubs / Québec City

City

Business funding in Québec City: what local files look like.

The sectors and corridors that shape a Québec City funding request, and an example in Canadian dollars.

Apply NowDo I Qualify?

✓ Checking what you qualify for does not affect your credit score.

Same dayDecisions, often
500+Scores considered
CADExamples in
QuebecProvince

The Québec City small-business picture

A historic, tourism-driven capital with a strong government presence, a growing technology scene and a distinctive restaurant culture.

Where businesses cluster

Sectors that drive demand

What this means for funding

Tourism seasons, especially summer and the winter carnival, set revenue timing for hospitality. Funders read the quiet shoulder months against the peaks.

An example in Québec City

Illustrative arithmetic

A Vieux-Québec boutique hotel restaurant deposits $65,000 a month in summer and $32,000 in March. A $25,000 advance at 1.26 repays $31,500, planned against summer deposits.

Every figure on this page is illustrative arithmetic in Canadian dollars. It is not an offer, a quote or a promise of approval.

Typical starting points

Monthly revenueTypically from around $20,000 a month in deposits for Canadian files. The exact line varies by funder and by file.
Time in businessTypically about 12 months. Newer businesses can be reviewed, but the options narrow.
Account healthLimited low-balance or negative days. Funders read the last few months of bank statements for this.
CreditScores from 500 are considered. A score of 600 or higher opens more options and better offers.
DocumentsA signed application and recent business bank statements, typically the last four months.
Existing advancesFiles with an existing advance can be reviewed, including second position.

Common questions

Which sectors drive small-business demand in Québec City?

tourism and hospitality; government services and suppliers; restaurants and cafés; insurance and financial services; construction and trades.

Where do Québec City businesses cluster?

Vieux-Québec and Saint-Roch; Sainte-Foy; Limoilou; Lévis across the river.

What does the year look like in Québec City?

Tourism seasons, especially summer and the winter carnival, set revenue timing for hospitality. Funders read the quiet shoulder months against the peaks.

Keep reading

QuebecProvince guideMontréalNearby city guideMerchant cash advance CanadaHow an advance against future card sales worksRevenue-based financing CanadaRepay a fixed multiple as a share of revenueRestaurantsCard-heavy, daily deposits and strong seasonality make restaurants one of the most common candi…MCA calculatorPayback, cost and daily payment

Educational information only. It is not legal, tax or accounting advice.

See what you qualify for

Same-day decision. Applying takes a few minutes and will not affect your credit score.

Apply Now →
Apply NowCall