About Us
Helping Canadian businesses grow.
We help small businesses access the capital, tools, and support they need to grow — with speed, flexibility, and a human approach.
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Why we started
Small businesses deserved a better way to access funding.
When we started Merchant Growth in 2009, getting financing as a small business in Canada was slow, rigid, and often out of reach.
We saw business owners doing everything right—serving customers, growing revenue—and still getting stuck waiting on decisions that didn’t reflect how their business actually worked.
So we built something different.
A faster, more flexible way to access capital—designed around real cash flow, real timelines, and real business needs.
Because growth shouldn’t depend on outdated systems.
We saw business owners doing everything right—serving customers, growing revenue—and still getting stuck waiting on decisions that didn’t reflect how their business actually worked.
So we built something different.
A faster, more flexible way to access capital—designed around real cash flow, real timelines, and real business needs.
Because growth shouldn’t depend on outdated systems.
Mission
Make growth more accessible for Canadian businesses.
Simpler decisions. Faster capital. Honest support. But financing is only part of the story — the rest is what we built around it.
15,000+
Canadian small businesses have been funded by Merchant Growth to help them grow
$1+ billion
Funds deployed, and growing every single day
4.9 ★
Customer rating
Merchant Growth Ecosystem
A complete system for the way you actually grow.
From funding to tools to insights — everything works together to support your next step.
“Merchant Growth wasn't just a lender, they were a partner. We secured $150k in less than 48 hours, allowing us to triple our inventory before the holiday season.”
Emma Marchetti
Founder · DTC apparel
Ready to unlock
your growth?
your growth?
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Our values
We fight for the underdog
Every day we work hard to level the playing field between small businesses and big corporations.
We do more with less
Through creativity and scrappiness, we overachieve what our resources would imply we are capable of doing.
We build for the future
We recognize the power of innovation in financial technology and we always think years ahead.
We strive for excellence
We take pride in our work and our goal is to be the best at what we do.
We are open and honest
We are an empathetic group that values & respects others and this is reflected in how we operate.
We act and adapt quickly
We embrace change with urgency and flexibility, making fast, thoughtful decisions so we can stay ahead in a rapidly evolving world.
Leadership
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.
