Financing your growth is just the start.
Get fast, flexible financing up to $1 Million — plus the tools, technology, and partners to grow your business.
Featured in
15,000+
Canadian small business have been funded by Merchant Growth to grow their business
$1+ billion
Funds deployed, and growing every single day
4.9 ★
Customer Rating
Merchant Growth Platform
Everything you need to grow your business.
Financing
Get flexible financing in hours.
Fast access to capital through term financing or lines of credit — so you can cover payroll, buy inventory, or take on new opportunities.
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Buy Now Pay Later for B2B
Boost your sales with flexible payments.
Offer your customers pay-over-time options at checkout — and get paid upfront while increasing conversion.
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Marketplace
Tools and partners with exclusive offers
Access trusted tools, partners, and services — all curated to help you operate smarter and grow faster.
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Merchant Growth Financing
Get flexible financing in hours.
Term Financing
Capital in hours, not weeks.
Get the funding you need to move fast — whether it’s inventory, equipment, or your next growth step. No drawn-out approvals, no unnecessary friction.
Funding Range
$5k - $1M
Approval
Same day
Term Length
6 - 24 mo
Line of Credit
Flexible access to capital when you need it.
Access up to $125K through a revolving business line of credit designed to help you manage cash flow, handle uncertainty, and stay ready for what’s next.
Available
$7.5 - $125K
Application
5 min
Approval
Same day
Buy Now Pay Later for B2B
Boost your sales with flexible payments.
Offer flexible B2B payment options that increase conversion, grow order value, and help your business get paid upfront.
Partner marketplace
Access curated tools and partners with exclusive offers.
Explore a curated marketplace of small business partners and tools to help you scale faster, with promotions only available through Merchant Growth.
Explore Merchants’ Market
Find trusted solutions
Access a curated marketplace of vetted partners, tools, and solutions in one spot, offering everything you need to grow
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Exclusive deals and promotions
Curated recommendations designed for how Canadian small businesses actually operate and scale, not the masses
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Built for businesses like yours
Every deal is selected with Canadian small business owners in mind — relevant, practical, and worth your time
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Eligibility Check
See your business funding options
Answer a few quick questions to check your eligibility. No impact on your credit score.
Secure application
No obligation
Fast review process
Trusted by Canadian businesses
Merchant Growth Ltd. is a registered Canadian financial services provider. Eligibility is not a guarantee of funding; final offers depend on business performance.
Trusted by operators
Trusted by Canadian businesses moving fast
2.1×
Inventory ahead of Black Friday
"Merchant Growth has provided us with an opportunity to expand our business more rapidly than we otherwise might have been able to and allowed us to keep our personal funds freed up for other purposes."
Jim Southam
President & CEO – Prairie Cannabis Ltd.
+47%
Q4 revenue vs. previous year
"We approached Merchant Growth and very quickly we were able to establish our financial health and they agreed to provide us the necessary capital to grow our business. They were able to see the opportunity that we were seeing that traditional banks would not fund"
Samim Aminzadah
Owner - Blowers Grafton
6 hrs
From approval to deposit
"On behalf of all of us at Urban Concierge Services I want to extend my thanks for the loans you have provided us. Having access to these funds provided us a financial platform to grow our clientele, refine our operations, and adapt to our rapidly changing industry."
Christopher Gunn
Founder of Urban Concierge Services
Ready to unlock
your growth?
Join thousands of merchants who chose smarter funding. Apply in minutes.
Get financing
FAQ
Applying is quick and easy. The application takes less than 5 minutes to complete. Click the “Apply Now” button on our homepage to get started. We’ll ask for some basic information about you and your business, and securely connect to your business bank account to review your revenue.
No. Applying is completely free, with no obligation. You’ll see all available options before making any commitments.
Yes. We conduct a soft credit inquiry on the business owner, which does not affect your credit score. We only perform a hard credit check if you decide to move forward with funding.
To qualify, your business must:
- Be located in Canada
- Have been operating for more than 6 months
- Generate at least $10,000 in monthly revenue
On average, applications are processed within 6–24 hours.
