Merchant Cash Advances for Canadian Businesses

Unlock fast funding based on your daily debit or credit card sales — no fixed payments, no collateral required.

Commencer
Parlez aux ventes
Camion disponible à la location au Canada

Options de location flexibles pour faire croître votre entreprise

Gardez votre argent. Obtenez votre équipement. Gardez le contrôle.
Le crédit-bail vous permet
  • Paiements mensuels moins élevés
  • Pas de coûts initiaux massifs
  • Option de mise à niveau, de retour ou d'achat à la fin du bail
  • Disponible pour les camions et l'équipement neufs ou usagés

Prêts d'équipement simples pour la propriété immédiate

Possèdent la propriété. Renforcer l'équité. Développez votre entreprise.
Les prêts vous donnent
With Mehmi MCA Funding, You Can:
  • Possèdent votre camion ou votre équipement dès le premier jour
  • Modalités de prêt fixes ou flexibles
  • Des tarifs concurrentiels, même pour les petites entreprises
  • Créez des actifs précieux pour votre bilan
  • Get approved even if you've been declined by the bank
Parfait si vous voulez :
  • Investir dans la croissance à long terme
  • Pour posséder et contrôler votre équipement
  • Pour constituer des capitaux propres, vous pourrez utiliser plus tard pour obtenir plus de financement
  • Fund growth without giving up equity

Why Choose Mehmi for Merchant Cash Advance (MCA) Funding?

At Mehmi Financial Group, we provide fast, flexible MCA financing to Canadian businesses who need working capital but can’t wait on bank approvals. If your business processes daily debit or credit card sales — in retail, restaurants, e-commerce, or services — we can help you turn future revenue into immediate funding.

Unlike traditional loans, MCA repayment adjusts with your sales volume, giving you breathing room during slower weeks and quicker payoff when business is booming.

Our team specializes in helping businesses with limited credit, seasonal cash flow swings, or urgent short-term needs get approved — often within 1–2 business days.

We’re trusted by small business owners across Canada because our MCAs are fast, transparent, and tailored to your cash flow.
  • Approval based on sales, not credit score alone
  • Transparent daily or weekly repayment terms
  • Funding in 24–72 hours — no lengthy paperwork
  • Flexible options for restaurants, salons, online stores, and service businesses
  • Available even if you've been turned down by banks or lenders
Finance Smarter — Equipment Loans Made Easy

Des options de prêt flexibles qui vous permettent de prendre la propriété entre vos mains, sans le stress initial. Nous vous aidons à financer des camions, des remorques ou de l'équipement grâce à des approbations rapides et des paiements adaptés à votre flux de trésorerie.
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Emprunter jusqu'à 500 000$

Used & private-sale gear approved

Dénalités jusqu'à 72 mois

Fonds dans les 48 heures
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Approbation de prêts d'équipement lourd Canada

Ce que vous pouvez louer ou financer avec Mehmi Financial Group

Merchant Cash Advances (MCAs) are ideal for businesses with steady credit/debit card sales that need fast, flexible access to working capital. Whether you're a storefront, restaurant, salon, e‑commerce business, or seasonal vendor, we help you turn future revenue into immediate cash flow — no lengthy bank process required.
  • Cover payroll or rent during slower months
  • Buy inventory or supplies to prepare for peak seasons
  • Invest in marketing or advertising to grow revenue
  • Upgrade equipment or POS systems without waiting on loans
  • Handle unexpected repairs or vendor costs without missing a beat
  • Expand or renovate your location with upfront capital
Nouveaux ou usagés — nous vous aidons à trouver les meilleures offres.

Not sure if MCA fits your business model? We’ll walk you through it.

Who Qualifies for a Merchant Cash Advance?

Voici ce dont vous avez besoin :

  • Revenu mensuel de 2 000$ ou plus
  • Preuve de pièce d'identité, de revenu et d'adresse
  • Mauvais crédit ? Pas de problème — nous nous spécialisons dans le bon fonctionnement des approbations

Appliquer en moins de 5 minutes.

Postulez maintenant

Documents requis

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Preuve d'identité
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Preuve de revenu
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Preuve d'adresse
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Détails du compte bancaire

3 Steps. No Surprises.

The Merchant Cash Advance process at Mehmi Financial Group is fast, transparent, and tailored to how your business actually earns.
1

Apply in Minutes

Fill out a quick form with your business details and recent sales history. No collateral or personal assets required.
Talk to a Specialist
2

Review Your Offer

We assess your daily debit/credit card revenue and send you a custom funding offer — often same day.
3

Get Funded Fast

Accept your offer and receive the cash in as little as 24–48 hours. Repay automatically through a small percentage of your future sales.

Merchant Cash Advance vs Term Loan vs Line of Credit: What’s Best for Cash Flow?

Feature Merchant Cash Advance Term Loan Business Line of Credit
Funding Speed Same-day to 48 hours 2–5 business days 1–3 days (after setup)
Repayment Method % of daily sales (automated) Fixed monthly payments Only when you draw funds
Best For Retail, food, and service-based businesses Larger, one-time business expenses Ongoing working capital needs
Upfront Costs None — no collateral required May require down payment or collateral None until funds are drawn
Credit Requirements Flexible — based on cash flow, not score Moderate to strong credit Stronger credit preferred
Loan Amount Range $5,000 – $500,000 $25,000 – $1M+ $10,000 – $250,000 revolving
Repayment Flexibility Tied to sales — slower days = lower payments Fixed terms (typically 6–24 months) Use and repay as needed

*Repayment amounts and terms vary by provider. MCA is not a loan — it’s a sale of future receivables.

FAQ: Got Questions? We’re Straightforward.

Can I qualify for a Merchant Cash Advance with bad credit or no collateral?

Yes. MCAs are based primarily on your business’s daily debit and credit card sales — not your credit score. If your business has strong daily revenue and consistent cash flow, we can likely approve your advance, even if you have limited credit history or no assets to pledge.

How fast can I get funded through an MCA?

Most merchant cash advances are approved and funded in 24–48 hours. We only need basic business documents (like bank statements and card processing history) to get started — no lengthy application process or collateral required.

How does repayment work for a Merchant Cash Advance?

Repayment is automatic and tied to your daily or weekly sales. A small percentage of each debit/credit card transaction is used to pay down your advance. That means repayment adjusts with your business — lower on slow days, higher on busy ones.

What industries use MCAs the most?

Merchant cash advances are especially popular with restaurants, retail stores, salons, auto shops, service-based businesses, and seasonal operators — basically any business with steady card sales and variable cash flow.

What’s the difference between an MCA and a business loan?

Unlike a traditional business loan with fixed monthly payments, an MCA is not technically a loan — it's an advance on your future revenue. There’s no fixed term or interest rate. Repayment happens gradually through a percentage of sales, making it more flexible for fluctuating businesses.

Is there a personal guarantee or collateral involved?

No, most merchant cash advances are unsecured. That means no personal guarantee, no hard collateral, and no risk of losing equipment or property — just consistent sales to support repayment.

How much can I get approved for?

Advance amounts typically range from $5,000 to $5,000,000, depending on your average monthly revenue and processing volume. The more consistent your sales, the higher your eligible funding amount.

Do I need to switch payment processors?

Not necessarily. Many MCA providers can integrate with your existing payment processor. If not, we’ll recommend trusted partners that make the transition seamless and quick.

Will an MCA hurt my credit score?

No. Because MCAs are not loans, they do not show up on your business or personal credit reports — unless you default. In fact, they’re a great alternative for businesses that want to avoid hard credit inquiries or preserve credit for other financing.

Can I get another MCA after I repay the first one?

Yes. If you’re in good standing and your business revenue supports it, we can offer renewal MCAs — often with higher funding amounts or better terms.

Trusted by Businesses
Across Canada

24–48 hr approval
All credit types welcome
Serving Canada nationwide

Let’s Get You Funded

Need fast working capital to keep your business moving? Whether you're managing cash flow, covering payroll, or stocking up for busy season — a Merchant Cash Advance can help you access flexible funding based on your daily sales.
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