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Typically $10,000 or more in average monthly sales and at least a year in business, though several lenders fund earlier-stage operations at smaller amounts. Edmonton's mix of construction, trades, and services means revenue is often uneven month to month, and lenders serving Alberta weigh recent bank statements more heavily than a flat annual figure.
Commonly 24 to 48 hours from application for working capital and merchant cash advances, longer for larger term facilities requiring more documentation. Applications run online, and lenders verify revenue through bank statements or payment processor data rather than full financial statements in most cases.
