Canadian Business Funding — All Provinces, Fast Approvals
Merchant cash advances, working capital loans, and equipment financing for Canadian operators. CAD-denominated products. Apply online in 5 minutes — no branch visit required.
Available in all 13 provinces and territories. $10K CAD minimum monthly revenue.
Business Funding Available Across Canada
Canada's alternative lending market has expanded significantly over the past decade. Where Canadian businesses once had to accept a bank's decision or go without, a robust private lending ecosystem now serves operators from Vancouver to St. John's — including remote and northern businesses in territories that traditional lenders historically ignored.
ClearSide connects Canadian operators to lenders that underwrite on cash flow rather than relationships with local bank managers. If your Canadian business generates consistent revenue and has a business bank account, you likely qualify for at least one product in our network.
All Canadian products are denominated in CAD, compliant with applicable provincial lending regulations, and repayable via EFT from your Canadian business bank account.
Coverage: All Provinces & Territories
Business Funding Products Available to Canadian Operators
All amounts in Canadian dollars. Approval criteria and timelines are similar to US products.
Merchant Cash Advance (MCA)
Requirements
3+ months in business, $10K CAD/month revenue
Notes
Most accessible product for new or lower-revenue businesses. Repayment tied to daily card sales or revenue.
Short-Term Business Loan
Requirements
6+ months in business, $15K CAD/month revenue
Notes
Fixed daily or weekly ACH repayment. No collateral required in most cases.
Equipment Financing
Requirements
12+ months in business, 600+ credit score
Notes
For trucks, machinery, commercial kitchen equipment, and other business assets.
Business Line of Credit
Requirements
12+ months in business, $20K CAD/month revenue, 620+ credit score
Notes
Revolving access. Available through select Canadian alternative lenders.
Invoice Financing
Requirements
B2B invoices, creditworthy clients
Notes
Advance against outstanding B2B invoices. Common in construction and professional services.
Canadian vs. US Business Funding: Key Differences
The products are similar, but there are important differences in how Canadian funding works.
| Factor | Canada | United States |
|---|---|---|
| Currency | CAD (all products) | USD |
| Lending regulations | Provincial and federal; varies by province | State and federal; varies by state |
| Credit bureaus | Equifax CA, TransUnion CA, Dun & Bradstreet | Equifax, Experian, TransUnion, D&B |
| Bank transfer speed | Interac e-Transfer (instant), EFT (1–2 days) | ACH (1 day), wire (same-day) |
| Same-day funding | Next-morning in most cases | True same-day via wire |
| Tax considerations | CRA compliance; CCA depreciation rules | IRS compliance; Section 179 deductions |
Canadian Business Funding — Apply in 5 Minutes
All provinces and territories covered. CAD-denominated products. Approvals in 24–48 hours.
Explore Canadian Funding Options
Working Capital Loans
Short-term operating capital for Canadian businesses.
Equipment Financing
Finance trucks, machinery, and commercial equipment in CAD.
Bad Credit Business Loans
Canadian lenders that work with lower credit scores.
Back to Funding Overview
All funding products available through ClearSide.
Canadian Business Funding FAQs
Canadian Business? You Qualify to Apply.
All provinces covered. CAD products. Approvals in 24 hours.