City guide
What Sainte-Martine'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.
If your business operates in Sainte-Martine, QC, you can apply. Funding here is typically a merchant cash advance, a business cash advance or revenue-based financing, sized on deposits rather than collateral. The 2021 Census counted 5,664 people in the municipality of Sainte-Martine, up 3.7% since 2016.
Its largest private employers by sector are health care, retail and construction, which shapes the kinds of files funders see from here.
Figures from the 2021 Census Profile published by Statistics Canada.
The way Sainte-Martine customers pay points to the structure:
Read next: Medical clinics, Dental practices, Retail, Grocery stores, Construction.
Here is where Sainte-Martine residents work, by private-sector industry, compared with Quebec as a whole:
| Industry (NAICS) | Sainte-Martine | QC |
|---|---|---|
| Health care and social assistance | 15.7% | 14.2% |
| Retail trade | 11.5% | 11.8% |
| Construction | 10.9% | 6.8% |
| Manufacturing | 10.5% | 10.3% |
| Transportation and warehousing | 5.8% | 4.8% |
| Other services, such as repair and personal care | 5.3% | 4.4% |
What stands out is farming, forestry and fishing: 4.1% of local workers, about 2.3 times the Quebec share. Businesses that sell to, supply or serve that sector make up a large part of the local file mix. Construction runs above average too, at 1.6 times the provincial weight.
A greenhouse grower in Sainte-Martine with about $65,000 in monthly deposits takes $39,000 to take a supplier's volume discount at a 1.26 factor rate, for a total payback of $49,140 over about 8 months. That works out to roughly $1,419 a week, or about 9% of monthly deposits; the cost is fixed at $10,140 however quickly it is repaid on schedule.
Illustrative only, not an offer. Model it with the MCA calculator.
Most businesses here serve households and other businesses. Expect the usual holiday and back-to-school peaks and a quiet January. Snow season helps Sainte-Martine clearing and indoor trades but slows patios and landscaping.
Seasonal owners do better applying with a year of statements ready.
Grants rarely arrive when bills do; bridging a government payment explains how Sainte-Martine firms cover the wait.
Merchant Fund Express has no office in Sainte-Martine. The whole process runs online and over the phone.
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. Scores from 500 are reviewed, and 600 or higher brings better offers. Each funder sets its own lines. You will need roughly four months of business statements and the signed application. Ready? Begin the application. Questions: (305) 384-8391.
From Sainte-Martine, the nearest places with their own guide are Mercier (8 km), Beauharnois (9 km), Saint-Rémi (14 km), Châteauguay (15 km), Notre-Dame-de-l'Île-Perrot (17 km).
More QC towns: Quebec funding guide.
Yes, Sainte-Martine is covered. What counts is revenue, history and how the account is run.
Statistics Canada reported 5,664 residents for 2021 (5,461 in 2016).
By jobs: health care first, then retail and construction. Relative to the province, farming, forestry and fishing is the standout.
Canada Economic Development for Quebec Regions (CED) covers Sainte-Martine. Its support is project-based and slower than a business cash advance.
Everything is remote, so being in Sainte-Martine 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.
