Merchant Cash Advance

Ideal for businesses that process debit and credit payments

A Merchant Cash Advance (MCA) is an innovative alternative to a traditional small business loan. Capify utilises your current credit and debit card sales to provide you with working capital that can put your business plans into action.


Flexible Repayment

Repayment options are completely flexible and work alongside your natural cash flow, with automatic percentage deductions from your credit and debit card sales until the advance is repaid in full. This allows businesses the flexibility to make lower payments during periods when cash flow slows down

An MCA Funding Example

A business has monthly sales of $40,000. Of those sales, $27,000 per month are through their credit and debit card terminal. Capify can advance up to 100% of the business’ monthly credit/ debit card sales. The business received $27,000 to spend on their business projects and Capify collects the repayment by taking a percentage, usually between 5-15%, of each credit and debit card sale until it is repaid.

TOP UP – once you have paid up to 50% of your cash advance you may be eligible to top up your cash advance for additional funds.

Why are businesses switching to MCAs?

> 90% Acceptance rate

> Online application with a 60 second decision

> Fast Approval – Funds within Days

> Unsecured – No risk to your assets

> Tax benefits that are not offered with loans

MCAs are a new but growing financial solution in the Canadian market. You can educate yourself on the many aspects and benefits of our program by speaking to one of our knowledgeable advisors who can provide you with a tailored solution that fits with your business needs.

Whether you need to ask questions or start a quick quote, your first step towards a business financing solution is a simple click or call.

Raise finance with a Merchant Cash Advance

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Get business funding today call us at 1 866 408 8552