Flexible Working Capital Based on Your Monthly Card Sales
A merchant cash advance allows Canadian small businesses to access funds by selling a portion of future credit and debit card sales. Remittances automatically adjust with your daily revenue, giving you flexible cash flow support when you need to purchase inventory, upgrade equipment, or manage operational expenses.
How a Merchant Cash Advance Works in 3 Simple Steps
Unlike traditional loans, a business cash advance directly aligns with your daily card sales. Here is what to expect during the process:
1. Share Your Card Processing History
Provide recent credit and debit card processing statements so funding partners can evaluate your average monthly card revenue.
2. Review & Receive Funding
Once approved by licensed Canadian funding partners through standard underwriting, approved funds are deposited directly into your business bank account.
3. Pay Back as You Generate Revenue
An agreed percentage is withheld from daily card sales until the advance is paid in full. When sales are higher, your balance clears faster; during slower periods, daily deductions scale down automatically.
Merchant Cash Advance vs Traditional Bank Loans
Flexible vs Fixed Monthly Obligations
Traditional bank loans require fixed monthly payments regardless of whether business is booming or slow. With a merchant cash advance, daily remittances fluctuate based on actual card sales, helping protect your cash flow during slower months.
Receivables-Based Evaluation
Eligibility for a business cash advance is evaluated primarily using your historical credit and debit card processing volume rather than strict commercial real estate or physical collateral requirements.
Our Commitment to Transparent Funding
Clear Terms: All factor rates, total repayment amounts, and percentage deductions are explained clearly upfront so you know exactly what to expect.
Responsible Underwriting: Final eligibility, funding amounts, and terms are determined through standard review by licensed Canadian funding partners.
Dedicated Guidance: Our funding specialists help you understand your options and choose a path aligned with your business goals.
Frequently Asked Questions
A merchant cash advance is the purchase of future credit and debit card receivables at an agreed rate, rather than a traditional debt product with fixed monthly dates and interest rates.
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