City guide
A data-backed guide for Tay owners: population, industries, seasonality, programs and an example.
✓ Checking what you qualify for does not affect your credit score.
Yes. Businesses in Tay, Ontario 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. With 11,091 residents at the 2021 Census and 10.5% change since 2016, Tay is a smaller township in Ontario.
Its largest private employers by sector are health care, manufacturing and construction, which shapes the kinds of files funders see from here.
All figures: Statistics Canada 2021 Census (income figures refer to 2020).
Three structures cover most Tay requests:
Related: Medical clinics, Dental practices, Manufacturing, Food manufacturers, Construction.
The census labour-force tables show which industries carry Tay. The biggest private sectors, against the provincial figures:
| Industry (NAICS) | Tay | ON |
|---|---|---|
| Health care and social assistance | 16.2% | 12.0% |
| Manufacturing | 13.6% | 9.1% |
| Construction | 12.5% | 7.5% |
| Retail trade | 12.5% | 11.1% |
| Accommodation and food services | 4.9% | 5.4% |
| Professional, scientific and technical services | 4.7% | 9.5% |
The sector that sets Tay apart is construction, at 1.7 times its weight across Ontario. That concentration shows up in deposit patterns, from contract payments to seasonal peaks. A second, smaller concentration is manufacturing (13.6% of local workers).
A HVAC installer in Tay with about $47,000 in monthly deposits takes $21,000 for a vehicle and equipment upgrade at a 1.26 factor rate, for a total payback of $26,460 over about 8 months. That works out to roughly $764 a week, or about 7% of monthly deposits; the cost is fixed at $5,460 however quickly it is repaid on schedule.
Sample arithmetic; not a quote. Check your numbers with the Canada Funding Readiness Score.
Factories run on purchase orders and net terms. Suppliers to the plants feel the same lag. Snow season helps Tay clearing and indoor trades but slows patios and landscaping.
Funders read at least four months of statements; a full year shows the pattern best.
Program money is slow. When a Tay owner is waiting on a contribution, a short advance can bridge the gap.
Merchant Fund Express has no office in Tay. 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. A year or so of trading history and a healthy balance matter too. A 500 score can work, though 600+ opens more doors. None of this is guaranteed and it varies by funder. Documents are light: application and recent bank statements. Start here, or phone (305) 384-8391.
From Tay, the nearest places with their own guide are Midland (9 km), Penetanguishene (13 km), Tiny (14 km), Severn (21 km), Oro-Medonte (22 km).
The Ontario overview lists every ON community we cover.
Current as of October 2026; industry shares use 25% sample data.
Yes. Being in Tay does not change eligibility; the bank statements do.
Statistics Canada reported 11,091 residents for 2021 (10,033 in 2016).
Health care, manufacturing and construction employ the most people; construction stands out against Ontario.
FedDev Ontario. It funds projects; for working capital, private funding moves faster.
No office visit is required. Tay 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.
