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The 35 percent federal cap applies to commercial loans of $10,000 or less. Between $10,000 and $500,000 an exemption applies where the rate does not exceed 48 percent APR, and above $500,000 there is no rate cap. That is why business financing prices above consumer lending, in every province.
Ontario businesses register through ServiceOntario. Provincial small business support programs operate alongside the federal set, including the Ontario Together Fund where intake is open.
The lenders on this page fund Ontario businesses from small working-capital advances to seven-figure term loans, with merchant cash advances, lines of credit, and equipment financing in between. Approval usually rests on monthly revenue and time in business rather than credit score alone, and funding commonly lands within 24 to 48 hours.
Because commercial lending has its own federal rules. Loans of $10,000 or less are held to the 35% APR criminal rate like consumer credit, loans between $10,000 and $500,000 are exempt if they stay at or below 48% APR, and loans above $500,000 have no rate cap. That is what makes merchant cash advance factor rates lawful.
