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Term Financing

Get up to $1M in as little as 6 hours.

Fast, flexible business financing built for Canadian small businesses — with approvals based on your cash flow, not just your credit score.
Funding Range
$5k - $1M
Approval
Same day
Term Length
6 - 24 mo
Featured in
When to use it

Is term financing right for you?

A simple gut check. Term financing works best when you have a specific plan and a clear return.
Best for
  • Opening new locations
  • Buying equipment or inventory
  • Hiring and scaling your team
  • Planned growth investments
Not ideal for
  • Start ups
  • Non-Canadian businesses
  • Sub-$10K/month revenue businesses
  • Highly irregular or lump-sum revenue
Use Cases

What you can do with upfront capital

Real moves from real Canadian businesses we've funded this year.

Term financing is for the specific thing — the new oven, the second location, the truck that finally died.

It’s not a safety net. It’s a plan.
Repayment

Estimate your repayment

Predictable, automatic payments designed around how your business earns. Adjust the amount and term to see what fits.

    • One fixed cost, disclosed upfront
    • No compounding interest, no surprise rates
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Repayment Calculator
Total repayment
$35,400.00
Number of payments
130
Payment amount starting at
$704
Get financing
Applying has no impact on your credit
Merchant Growth Ltd. is a registered Canadian financial services provider. Eligibility is not a guarantee of funding; final offers depend on business performance.
Process

Get funded in three simple steps.

Apply in minutes online or over the phone
A short application — about five minutes. No long forms or branch visits.
We'll help you find the right financing solution
A real person works with you to match the structure to your business goals.
Access funding in as little as 6 hours
Once approved, funds are deposited so you can move on what's next.
Why Merchant Growth?

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.
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.
Eligibility Calculator

Soft check only — 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?
Apply in 2 minutes

Ready to move your business forward?

Join thousands of merchants who chose smarter funding. Apply in minutes.
Get financing

FAQ

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.

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