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Funds for Renos, Staffing, Inventory, Marketing, Tech Upgrades, Whatever You Need…

Our Flex Financing Solution can be much better than a traditional business loan because it 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.
Merchant Growth’s Flex Financing is ideal for small businesses that are seasonal and require temporary extra cash to take advantage of inventory deals, seasonal staffing, ramping up for the busy season in general, or just paying off some higher interest debt they’ve accrued during slow times. If you use credit or debit transactions, this might be the perfect solution for you – we simply debit your repayment from your processed transactions. It’s pretty simple.


What is a Flex Solution?

Merchant Growth’s Flex financing is one of the most flexible small business financing products available in Canada. It’s super easy – we simply provide capital as an advance against 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, gearing up for high season by hiring additional staff, or putting some marketing dollars to work… having quick access to capital when you need it can be a competitive advantage for your business.

Is Flex Financing right for your small business?

We’re going to go with yes. This is great for any type of Canadian small business, and can often be better than a regular old business loan. With a Flex Solution, you’re able to access capital during your off season without feeling the usual squeeze. Repayment terms are 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. Then, when sales pick back up, that cash is paid back easily.

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