Guide
A slow stretch while repaying can feel urgent. The right response depends on the structure and on acting early.
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Short answer: Check whether your payment is a fixed debit or a share of sales and whether the agreement includes reconciliation. Call the funder before a payment bounces, with recent statements showing the drop and its cause, and ask for a reconciliation or temporary adjustment in writing. Protect payroll, taxes and critical suppliers meanwhile.
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
A slow stretch while repaying can feel urgent. The right response depends on the structure and on acting early.
Find out whether payments are a fixed debit or a share of sales. Share-of-sales payments fall automatically. Fixed debits do not.
Look for a reconciliation clause, which may allow the payment to be adjusted to actual sales.
Call before a payment bounces. A funder that hears about a problem early has options; one that sees returned debits has fewer.
Have recent statements ready to show the drop and its cause.
If your agreement allows reconciliation, request it with the evidence. If it does not, ask whether a temporary adjustment is possible.
Get any change in writing.
Avoid letting other payments bounce. Prioritize payroll, taxes and critical suppliers, and keep the funder informed.
Do not stack a new advance to cover the old one unless the numbers clearly work.
Identify what will bring sales back and when. A short, specific plan helps any conversation with the funder.
Once sales recover, keep payments current and note the experience for future decisions about structure.
Expect questions about the cause of the drop, how long it is likely to last, what you are doing to recover and what payment you can manage in the meantime. Have recent statements and a short written plan ready. A specific, realistic proposal, such as a reduced payment for six weeks, is easier to agree than an open-ended request.
Call early, bring statements and propose something specific. Funders have more options before a payment bounces than after.
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.
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