Use case
Switching suppliers or markets after tariffs often costs money before it saves money.
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Short answer: Use funding for the transition, not the permanent cost. Moving to a new supplier, building stock ahead of a tariff change or bridging delayed orders are timing problems funding can solve. A tariff that permanently raises costs needs a price change or a new supplier; financing it month after month only adds cost.
Key facts
Related: What Canadian Businesses Use Funding For · Working Capital Funding in Canada · Business Funding Affordability Calculator (CAD) · Business Funding Requirements in Canada · Funding Readiness Score Canada: Free 30-Second Check
Switching suppliers or markets after tariffs often costs money before it saves money.
A business hit by tariffs may need to buy from a new supplier with different terms, carry extra inventory during the switch or redesign products. Those costs arrive before the benefits.
Size the request to the transition costs: the first orders with a new supplier, extra freight and any retooling. Avoid funding ongoing losses.
A furniture importer depositing about $90,000 a month asks for $30,000 for first orders from a new supplier. 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 7% 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.
A short advance suits a defined transition. Government and Crown corporation programs may offer support for affected businesses; check current programs.
Use funding for the cost of changing course, not to keep absorbing a cost that will not go away. If the switch restores margin, the funding pays for itself.
Before funding a tariff transition, write down what the business looks like once the transition is complete: new supplier costs, new prices and the expected margin. If that end state is profitable, funding the bridge is a sound decision. If it is not, the problem is the business model, and borrowing will only delay the decision.
Merchant Fund Express reviews Canadian businesses in every province and territory. If you would like a specific answer for your business rather than general guidance, send a signed application and your last four months of business bank statements, or call (305) 384-8391 first to ask a question.
Reviewed by the Merchant Fund Express team on October 12, 2026. Official pages checked as of that date.
Ask for the amount you can name in dollars and tie to a quote, invoice or schedule. A smaller, specific request is easier to approve and cheaper to repay.
It depends on whether the need is a one-time purchase or a recurring gap. See the comparison pages for the trade-offs.
Decisions are often the same day on a complete file, and funding can follow the next business day.
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.
