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Frequently Asked Questions

How do I apply?

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.


Is there a fee to apply?

No. Applying is completely free, with no obligation. You’ll see all available options before making any commitments.

Do you do a credit check?

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.

How do I know if I’m eligible for business financing?

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
How long does it take to process my application?

On average, applications are processed within 6–24 hours.

Once approved, when will I receive my funds?

Funds are typically deposited within 24 hours or less after approval.

Who can I speak to about my application?

An account manager will be happy to answer your questions:

I have multiple businesses. Can I apply for all of them?

Yes! If you own more than one business, you can submit a separate application for each one. Each business needs its own application—you cannot apply for multiple businesses through a single application.

I have a loan with another lender. Can you help?

Yes! In many cases, we can simplify things by paying out your existing loan and replacing it with financing from Merchant Growth. This can make managing your payments easier and give you access to the working capital you need. Contact us to see what options are available.

Who is Merchant Growth?

We are Canada’s fastest and friendliest alternative financier. Our innovative approach combines thoughtful customer care, complete transparency, and advanced technology to provide fast, accessible financing to Canadian small businesses.

What makes Merchant Growth different from other lenders?

Our core philosophy is to maximize efficiency while delivering an exceptional customer experience. Partnering with us means benefiting from the seamless integration of advanced technology with the personal touch of our dedicated team.

Where are you located?

Our corporate office is in Vancouver, BC, but our team members are located across Canada.

Are you a direct lender or a broker?

We are a direct lender.

What are your terms?

Terms range from 6 to 24 months, with payments made either daily or weekly.

What are your support hours?

Our customer support team is available:

  • Monday–Friday, 7am–5pm PST
Who do I contact with questions regarding my account?

You can contact your account manager directly or reach out to our customer support team:

Where can I view my account?

You can log in to the client portal at any time to view account details and download statements. If you haven’t set up your account yet, please contact our support team to request a new initial login link.

I’m having trouble logging into my client portal.

Your login link may have expired. Please request a new one from our customer support team.

How can I get more funding?

If you’re an existing customer, visit our self-serve application portal at app.merchantgrowth.com and follow the prompts for returning customers. If you’d prefer to speak with someone first, contact our support team and a representative will reach out.

Do you have a referral program?

Yes! You can refer business-owning peers to Merchant Growth for financing and receive $500 once their funding is completed. Click here to make a referral.

How can I become a partner?

Click the “Partner with Us” link on our website and complete the application form. If you’re a good fit, we’ll reach out to schedule a quick call and provide access to our partner portal.

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