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
Featured in
Use Cases
How businesses use a line of credit to stay flexible
Cash flow isn’t always predictable.
Inventory needs to be reordered before invoices are paid. Payroll doesn’t wait for slower months. Opportunities show up unexpectedly.
How it works
Flexible financing that works more like a safety net
Your available credit adjusts as you repay — giving you reusable access to capital whenever needed.
Approved for $100,000
Total credit limit
Use $20,000
Draw funds whenever needed
Repay $10,000
Flexible repayment
$90,000 Available again
Reusable credit
How it works
Built for how your business operates
Since 2009, Merchant Growth has helped thousands of businesses access capital faster — without the friction of traditional lenders.
We believe businesses deserve financing that moves as quickly as they do.
We believe businesses deserve financing that moves as quickly as they do.
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
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.
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?
Apply in 2 minutes
Stay flexible. Stay ready.
Access capital when your business needs it — without slowing down operations.
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.
