What is a Merchant Cash Advance?
A merchant cash advance (MCA) is a financing solution where your business receives a lump sum of capital in exchange for a percentage of future credit card or debit card sales. Unlike a traditional loan, there are no fixed monthly payments — your repayment adjusts automatically based on your sales volume.
This makes MCAs ideal for Canadian businesses with fluctuating revenue, seasonal sales patterns, or those who need fast access to capital without the lengthy approval process of traditional banks.
MCA Benefits
- No collateral or personal guarantee required
- Approval in as little as 2–4 business hours
- Funding deposited within 1 business day
- Flexible repayment tied to your daily sales
- Bad credit accepted — FICO 400+
- No hidden fees or prepayment penalties
- Early payoff discounts available
- Dedicated funding advisor assigned to you
How a Merchant Cash Advance Works
A simple, transparent process from application to funding.
Apply Online
Complete our simple application with basic business information.
Quick Review
Our team reviews your application within 2–4 business hours.
Get Funded
Approved funds deposited to your account within 1 business day.
Repay Flexibly
A small percentage of daily card sales is automatically deducted.
MCA Qualification Requirements
Meeting these basic requirements? You could be approved today.
$10,000+
Monthly Revenue
5+ Months
Time in Business
FICO 400+
Credit Score
51%+
Business Ownership