Guide
Funding solves timing problems. It does not fix prices that are too low.
✓ Checking what you qualify for does not affect your credit score.
Short answer: Often, yes. Calculate gross margin by product or service, compare current costs with current prices line by line and test modest increases. If margins are healthy and the issue is timing, funding can bridge it; if margins are thin, funding adds cost to a business that cannot carry it, and fixing price first reduces how much you need.
Key facts
Related: Practical Business Funding Guides for Canadian Owners · Business Funding Requirements in Canada · Documents Needed for Business Funding in Canada · Business Funding Affordability Calculator (CAD) · Funding Readiness Score Canada: Free 30-Second Check
Funding solves timing problems. It does not fix prices that are too low.
Calculate gross margin by product or service. Some may be far lower than you think, especially after rising input costs.
Low-margin work can keep you busy and still drain cash.
Supplier, labour and energy costs have changed. Prices set years ago may no longer cover them.
Compare current costs with current prices line by line.
Raise prices on a few items or services and watch the effect. Many customers accept modest increases, especially for quality and reliability.
Communicate changes clearly.
If margins are healthy and the issue is timing, funding can bridge it. If margins are thin, funding adds cost to a business that cannot carry it.
Fixing pricing first often reduces how much you need.
Set a calendar reminder to review prices every six months. Small, regular adjustments are easier than large, sudden ones.
Healthy margins make every funding decision safer.
Take your ten best-selling items or services. For each, write the price, the direct cost today and the margin in dollars and percentage. Compare with a year ago. Any item whose margin has fallen by several points is a candidate for a price change. Often a small adjustment on a few lines restores more cash than any funding would, and it keeps working every month.
A price review costs nothing and keeps working every month. Do it before deciding how much to borrow, because healthier margins often shrink the request.
Communicate changes simply and early. A short notice explaining that costs have risen is usually accepted, and loyal customers rarely leave over a modest, explained increase.
Reviewed by the Merchant Fund Express team on October 12, 2026. Official pages checked as of that date.
It is general education. Your file and agreements are specific, so read them and ask questions.
Gather four months of statements and write what the money is for in one sentence.
Yes. Apply once and the file is matched to the structure that fits.
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.
