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Funds for ad spend, inventory, social media, development, and more!

Our e-commerce financing turns your future cash flows into immediate working capital that you can use right away. It’s super simple – your payment automatically adjusts to match your business cycle. You can pay more when you’re busy, and less when you’re not… with no collateral needed, no hidden fees, and we’ll get you your funds in 24 hours.
You can use your financing to take advantage of inventory deals, ramp up your ad spend, do some social media marketing, pay for e-commerce enhancements, and more. Because e-comm sites typically rely on credit card processing as their main form of payment, this might be the perfect solution for you – we simply debit your repayment from your processed transactions from Stripe or whatever credit card processor you’re using. It’s pretty simple.


What is E-Commerce Financing

It’s super easy – we simply provide funds as an advance against your future credit and debit card sales.

How does it work?

Step 1: You apply (it literally takes 5 minutes tops)
Step 2: We would take a look at your application, your credit/debit card transactions for your business, as well as your business as a whole.
Step 3: If you qualify, you get your funds in 24 hours
Step 4: Repayment is scheduled on a daily basis based on a (very manageable) percentage of each day’s sales. If you’re busy, the payment is more, if it’s your slow season, the payment is less.
Whether it’s taking advantage of a supplier’s volume discount, buying some ads, or doing some social media marketing… having quick access to capital when you need it can be a competitive advantage for your business.

Is Merchant right for your small business?

We’re going to go with yes. We’re a great choice for any Canadian small business, and have the ability to offer more flexibility than a traditional business loan from a bank. With Merchant Growth, you’re able to access capital during your off season without feeling the usual squeeze. Repayment terms can be customized to be the same amount every month, or very responsive – on slower days less is repaid, on busy days more is repaid – so when sales are lower during slow season, your payments are lower.

What do you need to qualify?

  • Canadian-based Business

  • At least $5,000 in average monthly sales

  • In business for at least 6 months

Get Started Today

Complete our online application and we’ll contact you right away and present small business financing options tailored to your business needs, based on the information you’ve provided. You choose what works best for you… there’s never any fees or obligation to continue, plus it takes seconds to get started.
Remember: No hidden fees. Funds in 24 hours. Stellar customer service.
Apply Now