City guide
Census figures, the industries that drive Tiny, local programs and a worked example in Canadian dollars.
✓ Checking what you qualify for does not affect your credit score.
Short answer: a Tiny business can be funded. Merchant Fund Express reviews Canadian files from Ontario for merchant cash advances, business cash advances and revenue-based financing. With 12,966 residents at the 2021 Census and 10.0% change since 2016, Tiny is a smaller township in Ontario.
The census shows health care as the leading private sector at 14.9% of local jobs, followed by retail and construction.
Figures from the 2021 Census Profile published by Statistics Canada.
Start from how you get paid.
Read next: Medical clinics, Dental practices, Retail, Grocery stores, Construction.
Here is where Tiny residents work, by private-sector industry, compared with Ontario as a whole:
| Industry (NAICS) | Tiny | ON |
|---|---|---|
| Health care and social assistance | 14.9% | 12.0% |
| Retail trade | 11.8% | 11.1% |
| Construction | 11.7% | 7.5% |
| Manufacturing | 10.3% | 9.1% |
| Professional, scientific and technical services | 5.5% | 9.5% |
| Accommodation and food services | 5.0% | 5.4% |
The sector that sets Tiny apart is farming, forestry and fishing, at 2.1 times its weight across Ontario. That concentration shows up in deposit patterns, from contract payments to seasonal peaks. A second, smaller concentration is construction (11.7% of local workers).
A greenhouse grower in Tiny with about $61,000 in monthly deposits takes $27,000 for a vehicle and equipment upgrade at a 1.28 factor rate, for a total payback of $34,560 over about 10 months. That works out to roughly $798 a week, or about 6% of monthly deposits; the cost is fixed at $7,560 however quickly it is repaid on schedule.
Not an offer: real terms vary by file. Run your own figures in the calculators.
Construction carries a big share of jobs, so the building season matters. Materials are bought before invoices are paid, and holdbacks delay final payments. Cold months shift Tiny work indoors and pause outdoor projects.
Seasonal owners do better applying with a year of statements ready.
Public and private funding can work together: approved projects in Tiny sometimes use an advance until the program pays (details).
Nobody needs to visit an office: we have none in Tiny. Applications are online, statements upload securely and a specialist calls you back.
Funders typically look for about $20,000 or more deposited each month. Most also want roughly 12 months of history and steady balances. A 500 score can work, though 600+ opens more doors. Each funder sets its own lines. The paperwork: the application plus four recent months of statements. Start here, or phone (305) 384-8391.
Closest guides to Tiny, as the crow flies: Midland (8 km), Penetanguishene (11 km), Tay (14 km), Wasaga Beach (20 km), Springwater (22 km).
See the Ontario guide for the full provincial list.
Yes. Tiny, ON files are reviewed like any Canadian file: deposits, time in business and account health.
12,966 residents at the 2021 Census, against 11,787 in 2016 (10.0%).
Health care, retail and construction employ the most people; farming, forestry and fishing stands out against Ontario.
FedDev Ontario covers Tiny. Its support is project-based and slower than a business cash advance.
Everything is remote, so being in Tiny 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.
