Trusted by More than 2,000,000 Canadians since 2016

Marketing Business Loans in Canada – Get Funding to Grow Your Customers and Sales

  • chBusiness Loans up to $500K
  • chRates from 7% APR
  • chGet approved for a Marketing Business Loan
up Last updated

October 15, 2025

up Written by:

Amy Orr

up Reviewed by:

Jenna West

Every growing business reaches a point where marketing spend becomes essential. Whether you’re launching ads, hiring a marketing agency, investing in SEO, or running a national campaign, funding those efforts can be the key to faster growth. Marketing business loans in Canada allow you to access capital specifically to increase brand awareness, attract new customers, and boost sales.

This guide answers the top questions Canadian business owners ask when financing their marketing. Use the business loan calculator, margin calculator, and business valuation calculator to plan your campaign funding smartly. When ready, apply for a marketing business loan to get matched with lenders across Canada.

business loans

Compare Lenders

AMOUNT
$5K - $500k
INTEREST RATE
Varies
TERMS
5 -9 Months
AMOUNT
$5K - $1M
INTEREST RATE
5 to 25%
TERMS
6 to 48 months
AMOUNT
$10K - $1.5M
INTEREST RATE
From 7.99%
TERMS
3 - 24 Months
AMOUNT
$5K - $500K
INTEREST RATE
Varies
TERMS
4 - 12 Months
AMOUNT
$10,000 - $300K
INTEREST RATE
From 8.39%
TERMS
3 - 24 Months
AMOUNT
$5K - $300K
INTEREST RATE
From 7.99%
TERMS
Fixed, 4 - 18 Months
AMOUNT
$5K - $800K
INTEREST RATE
From 7.99%
TERMS
6 - 24 Months
AMOUNT
$15K - $1M
INTEREST RATE
From 8%
TERMS
3 - 24 Months
AMOUNT
$5K - $500K
INTEREST RATE
From 9.99%
TERMS
2 - 24 Months
AMOUNT
$5K - $500K
INTEREST RATE
From 7.99%
TERMS
6 - 24 Months
AMOUNT
$5,000 - $5 Million
INTEREST RATE
Varies
TERMS
12 months
AMOUNT
$5K - $50M
INTEREST RATE
From 7%
TERMS
5 - 96 Months
AMOUNT
$2.5K - $1M
INTEREST RATE
From 7.5%
TERMS
3 - 72 Months
AMOUNT
$5K - $2M
INTEREST RATE
From 7.99%
TERMS
2 - 36 Months
AMOUNT
$1,000 - $1.5M
INTEREST RATE
From 2% per Month
TERMS
1 - 12 Months
AMOUNT
$5K - $300K
INTEREST RATE
From 7.99%
TERMS
3 - 12 Months
AMOUNT
$250 - $1M
INTEREST RATE
From 10%
TERMS
3 - 60 Months
View More Lenders

Common Questions About Business Loans for Marketing and Advertising in Canada

What is a marketing business loan?

A marketing business loan is funding used specifically to pay for advertising, promotions, website updates, or digital marketing. Businesses use it to grow faster through paid channels or brand expansion. It can be structured as a term loan, line of credit, or short-term working capital loan depending on your needs.


Why would a business take a loan just for marketing?

Marketing spend often generates a measurable return. A loan allows you to invest in ads, SEO, or rebranding without draining daily cash flow. If a campaign produces higher sales than its cost, borrowing can be a smart move that multiplies your ROI.


What can I use a marketing business loan for?

Businesses typically use marketing loans to fund:

  • Google Ads, Meta, or TikTok advertising

  • Website redesigns and SEO campaigns

  • Branding, packaging, or signage upgrades

  • Hiring marketing professionals or agencies

  • Event marketing, sponsorships, or influencer partnerships

The key is connecting your funding to measurable growth.


What types of lenders offer marketing business loans in Canada?

You can choose between:

  • Banks and credit unions offering general business term loans

  • Online lenders and fintech platforms providing fast working capital

  • Merchant cash advance (MCA) providers that fund based on card sales

  • Equipment or invoice financing if tied to marketing tools or contracts

Online lenders are often preferred for speed and flexibility.


How quickly can I get funded for marketing?

Online lenders can approve and fund within 24 to 72 hours, making them ideal for time-sensitive campaigns or product launches. Traditional lenders may take one to three weeks due to documentation and approval processes.

Estimate your monthly payment first with the business loan calculator.


What interest rates should I expect for a marketing loan?

Marketing loans are usually unsecured, so expect rates between 7% and 20%+, depending on your credit score, business revenue, and lender type.

Online lenders may charge higher rates in exchange for faster funding and flexibility.


How do lenders decide eligibility for a marketing loan?

They typically evaluate:

  • Business revenue and consistency

  • Profit margins

  • Credit score and repayment history

  • Purpose of the marketing campaign

  • Projected ROI and growth plan

Showing data-driven marketing goals improves your approval odds.


Can startups or newer businesses get marketing funding?

Yes, many fintech lenders work with startups that have at least a few months of revenue.

New businesses can strengthen their case by showing sales traction or early ad performance. Using the business valuation calculator helps demonstrate business value growth potential.


How do I calculate how much marketing funding I need?

Base your loan amount on:

  • Planned ad spend

  • Expected campaign ROI

  • Cash flow available for repayment

Run projections in the margin calculator to ensure your marketing ROI comfortably exceeds loan costs.


Are marketing loans short-term or long-term?

Most marketing loans are short-term (6 to 24 months) because campaigns produce quick results. However, established businesses may qualify for longer-term loans if the investment supports sustained brand or market growth.


How does a merchant cash advance (MCA) help with marketing?

An MCA provides quick access to cash based on your daily credit card sales, perfect for urgent ad launches or seasonal promotions.

However, repayment happens daily, so it's best for businesses with steady revenue. Compare total costs via the business loan calculator before accepting.


Can I use a business line of credit for marketing?

Yes. A revolving line of credit is one of the most flexible ways to finance marketing because you can draw funds as needed for campaigns, pay them down, and reuse the credit for future promotions.


What documentation will I need?

Most lenders ask for:

  • Business financial statements

  • Bank statements (3-6 months)

  • Marketing plan or campaign overview

  • Credit score and ID verification

  • Use-of-funds outline

Online lenders may require less documentation if you link your business bank account.


What is the best way to prove ROI on marketing funding?

Track KPIs such as:

  • Cost per acquisition (CPA)

  • Return on ad spend (ROAS)

  • Customer lifetime value (CLV)

  • Increased monthly revenue

Lenders love seeing measurable growth tied to borrowed funds.


Can I refinance a previous loan with new marketing funding?

Yes, refinancing older high-interest debt into a new marketing loan can free up cash flow for advertising.

Compare payment savings and total cost using the business loan calculator before proceeding.


Are there government or grant programs to help with marketing?

Some Canadian provinces offer marketing or export promotion grants for small businesses. Examples include federal CanExport and provincial digital adoption programs. These can supplement your loan or reduce your overall financing need.


What risks should I consider before taking a marketing loan?

  • Overestimating marketing ROI

  • Spending on the wrong channels

  • Not monitoring campaign performance

  • Borrowing more than cash flow allows

Always ensure your projected sales increases exceed the cost of borrowing.


How do online lenders differ from traditional banks?

Online lenders specialize in speed and simplicity - minimal paperwork, digital applications, and quick approvals. Banks may offer better rates but take longer and require stronger collateral. Many businesses use both for balance.


How can I tell if a marketing loan makes sense for my business?

If you have a proven sales funnel, stable product, and trackable marketing performance, a loan can amplify growth safely. Use business loan calculator and margin calculator to verify that additional marketing spend produces profit after interest costs.


What's the first step to getting funded for marketing?

  1. Define your campaign goals and expected ROI.

  2. Calculate your funding needs with the business loan calculator.

  3. Gather your recent revenue and credit information.

  4. Apply for a marketing business loan to compare lenders who can fund your campaign fast.

av
writtenWritten by:

Amy Orr

Amy Orr is a professional writer and editor with over 10 years of experience in the Canadian, U.S. and U.K. financial markets. She has written for numerous publications on topics as diverse as economic literacy, corporate finance, and technical analysis of numerical data. Prior to transitioning to full-time writing, she worked in the hedge fund sector. Her academic background is astrophysics, and she has a Masters in Finance from the University of Edinburgh Business School.

av
writtenReviewed by:

Jenna West

Jenna West is Smarter Loans' in-house financial writer and content director. She has been covering the Canadian FinTech and finance industry since 2017, including financial trends analysis, industry surveys, regulatory updates and changes in Canadian consumer behaviour when it comes to finance.

Awesome G.
04:46 26 Feb 25
I’m very honoured to shear my experience with this illustrious platform. To be able to systematically choose from a list optional to one’s profile without doing much leg work is truly rewarding. This platform allowed to expand my options and chose which lenders fit my profile, thank you and continue doing what you do best,, connecting people to available wealth opportunities.
Pat M.
03:10 26 Feb 25
Good place to get a loan
Chris “Stufphr” H.
02:07 26 Feb 25
When you feel in need of a loan do it smart and make it a Smarter Loans.
Dan Bott (.
01:41 26 Feb 25
Very Helpful, was assisted in a timely fashion and was ultimately able to receive assistance; I highly recommend!!!
joel K.
22:59 25 Feb 25
I have recommended this place to many friends I feel that this company goes out of their way to help people that they can and they are very easy to work with
Nate C.
13:22 27 Oct 24
This company is reliable, quick, and just has the best customer service and rates it is a easy process with quick results. Would definitely recommend to anyone that needs the help.
Vincent J.
07:08 23 Oct 24
Good place for borrowing a bit of money 😁
Kels H.
06:41 23 Oct 24
Personally love this opportunity and app. Super convenient and easy to use and super awesome variety of great loans. Thanks so much guys for making such an awesome site and app and being there for me over the years. :)
Tara H.
16:23 16 Oct 24
From beginning to end, my experience was great! Very professional and personable agents. They only asked questions that were needed for the loan and payments were extremely reasonable. Would recommend to anyone who needs emergency funds.
A S.
19:43 11 Oct 24
“ Thank you SO very much! My situation was tricky and you guys made the whole process so effortless. The way you guys handle the whole process so discreetly. That truly speaks to how well your office is run and the caliber of specialists who handled the processing of my entire loan!”

Why Choose Smarter Loans?

smart

Access to Over 50 Lenders in One Place

smart

Transparency in Rates & Terms

smart

100% Free to Use

smart

Apply Once & Get Multiple Offers

smart

Save Time & Money

smart

Expert Tips and Advice

As seen on
  • logo
  • logo
  • logo
  • logo
  • logo
  • logo