Merchant Cash Advances for Canadian Businesses

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

Get started
Talk to a Specialist
Truck available for lease in Canada

What is a Merchant Cash Advance (MCA)?

Turn future sales into fast working capital.
A Merchant Cash Advance (MCA) gives your business quick access to funding based on your daily debit and credit card sales. It’s not a traditional loan — instead, it’s a lump sum of working capital that’s repaid automatically through a small percentage of your future revenue. Perfect for Canadian businesses with strong daily sales but limited access to traditional financing.
  • Fast funding based on credit/debit card revenue
  • No fixed payment schedule — pay as you earn
  • Easier approval than traditional loans
  • Ideal for retail, food service, e-commerce, and service-based businesses

Merchant Cash Advance Benefits

Flexible. Fast. Revenue-based.
Unlike a term loan or line of credit, Merchant Cash Advance financing is built around your cash flow. It scales with your sales, giving you breathing room during slow periods and allowing for faster repayment when business is booming.
With Mehmi MCA Funding, You Can:
  • Access $5K–$500K within 24–72 hours
  • Qualify based on sales — not credit score alone
  • Avoid fixed monthly payments
  • Unlock growth without adding long-term debt
  • Get approved even if you've been declined by the bank
Ideal If You Want To:
  • Bridge a short-term cash flow gap
  • Invest in inventory, marketing, or staff
  • Cover emergency expenses or seasonal dips
  • 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

Flexible equipment loan options that help you own your gear — without draining your cash. Whether you're buying new, used, or private-sale equipment, we help you get approved fast and keep your business moving.
‍
Borrow up to $5,000,000

Used & private-sale gear approved

Terms up to 72 months

Funds within 48 hours
‍
Get StartedBrowse Equipment
Heavy equipment loan approval Canada

What You Can Use MCA Funding For

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
Because repayment is based on your future sales, MCAs scale with your revenue — helping you stay cash-flow positive even when timing is tight.

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

Who Qualifies for a Merchant Cash Advance?

You're likely a great fit for an MCA if:

  • Your business processes daily or weekly credit/debit card sales
  • You’ve been operating for 3+ months (even if you’re just getting started)
  • You generate at least $5,000/month in revenue

MCA is ideal for retail, food service, salons, trades, and other B2C businesses with steady sales volume. Even if your credit isn’t perfect, approval is based more on your business cash flow than your personal score.

Apply now

Documents Required

Check Icon
Articles of Incorporation
Check Icon
Last 3 Months of Business Bank Statements
Check Icon
Credit Application
Check Icon
Driver's License

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.
Get My Rate
Book a Call