Merchant cash advance
- Amount and entry criteria
- Advertises $5,000 to $300,000 for Canadian businesses operating at least three months with $15,000 monthly revenue and no open bankruptcy.
- Cost
- A disclosed one-time cost of capital replaces an interest rate. No universal price is published; zero interest does not mean free funding.
- Payments
- Fixed automatic withdrawals can be reviewed on request during hardship. Flex payments collect a percentage of sales and are available only to businesses processing daily debit and credit payments.
- Withholding
- Provider describes daily withholding of 4% to 30% of sales. This is the collection percentage, not the financing cost or APR.
Provider sources: Eligibility and direct funding · Payment structures and cost


