City guide
A data-backed guide for Temiskaming Shores owners: population, industries, seasonality, programs and an example.
✓ Checking what you qualify for does not affect your credit score.
If your business operates in Temiskaming Shores, ON, 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 9,634 people in the city of Temiskaming Shores, down 2.9% since 2016.
Its largest private employers by sector are health care, retail and construction, which shapes the kinds of files funders see from here.
Source: Statistics Canada, 2021 Census of Population.
Start from how you get paid.
Related: Medical clinics, Dental practices, Retail, Grocery stores, Construction.
Employment by industry is the best public picture of what a local economy sells. In Temiskaming Shores, the six largest private sectors look like this next to the Ontario average:
| Industry (NAICS) | Temiskaming Shores | ON |
|---|---|---|
| Health care and social assistance | 15.9% | 12.0% |
| Retail trade | 15.0% | 11.1% |
| Construction | 9.1% | 7.5% |
| Manufacturing | 6.7% | 9.1% |
| Accommodation and food services | 6.1% | 5.4% |
| Mining, quarrying, and oil and gas extraction | 5.8% | 0.5% |
What stands out is mining, oil and gas: 5.8% of local workers, about 12.2 times the Ontario share. Businesses that sell to, supply or serve that sector make up a large part of the local file mix. Retail is also above the provincial share, at 15.0%.
Large public and health-care employers steady the local economy. Consumer businesses see gentler seasonal swings as a result. January and February are the quiet stretch for many Temiskaming Shores retailers.
Funders read at least four months of statements; a full year shows the pattern best.
A oilfield services contractor in Temiskaming Shores with about $141,000 in monthly deposits takes $63,000 to buy materials for booked jobs at a 1.26 factor rate, for a total payback of $79,380 over about 10 months. That works out to roughly $1,833 a week, or about 6% of monthly deposits; the cost is fixed at $16,380 however quickly it is repaid on schedule.
Example only; approval is never guaranteed. Try the Canadian calculators with Temiskaming Shores figures.
Program money is slow. When a Temiskaming Shores owner is waiting on a contribution, a short advance can bridge the gap.
Merchant Fund Express has no office in Temiskaming Shores. The whole process runs online and over the phone.
Funders typically look for about $20,000 or more deposited each month. Most also want roughly 12 months of history and steady balances. Scores from 500 are reviewed, and 600 or higher brings better offers. Each funder sets its own lines. Bring a signed application and about four months of business bank statements. Apply online or call (305) 384-8391.
Closest guides to Temiskaming Shores, as the crow flies: Kirkland Lake (76 km), West Nipissing (132 km), North Bay (132 km), Greater Sudbury (148 km), Timmins (162 km).
See the Ontario guide for the full provincial list.
Current as of October 2026; industry shares use 25% sample data.
Yes, Temiskaming Shores is covered. What counts is revenue, history and how the account is run.
The 2021 Census counted 9,634 people in Temiskaming Shores, a -2.9% change from 2016.
By jobs: health care first, then retail and construction. Relative to the province, mining, oil and gas is the standout.
FedNor. It funds projects; for working capital, private funding moves faster.
Everything is remote, so being in Temiskaming Shores is no obstacle.
Educational information only. It is not legal, tax or accounting advice.
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