Comparison
A neutral side-by-side, with the arithmetic, so you can pick the structure that fits.
✓ Checking what you qualify for does not affect your credit score.
Short answer: Platform funding, such as offers from a payment processor or marketplace, is sized on sales through that platform and is often invite-only. Deposit-based funding reads every deposit to your business account. A business that sells almost entirely on one platform may prefer the platform offer; a multi-channel business usually gets a better-sized deposit-based offer.
Key facts
Related: Business Funding Comparisons for Canadian Owners · What Business Funding Costs in Canada, Compared · MCA vs Loan Calculator: Total Cost Compared (CAD) · Merchant Cash Advance Canada: How It Works and Costs · Revenue-Based Financing in Canada: How It Works
Platform funding is offered by a payment processor or marketplace using its own data; deposit-based funding reads your bank statements across every channel.
A retailer selling online and in store depositing about $70,000 a month asks for $30,000 for inventory. At a 1.22 factor the payback is $36,600, a cost of $6,600. Over roughly 6 months that is about $290 per business day, or close to 9% of monthly deposits.
Every figure on this page is illustrative arithmetic in Canadian dollars. It is not an offer, a quote or a promise of approval.
See the alternatives pages for factual summaries of what Canadian processor and platform programs publish. If your business sells through several channels, a review of the bank account captures all of them in one file.
A useful habit is to look at your deposits by source for the last four months. If one platform accounts for most of them, its offer may reflect your business well. If no single source dominates, a review of the full account is likely to see more of your revenue and size the offer accordingly.
If one platform is your business, its offer may fit. If your revenue comes from many places, a review that reads all of it usually sees more.
Reviewed by the Merchant Fund Express team on October 12, 2026. Official pages checked as of that date.
Possibly, but each provider reads the other obligation.
It can be, if you have an offer.
They are often sized on that platform's sales alone.
Educational information only. It is not legal, tax or accounting advice.
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