Published merchant cash advance terms, side by side. Rates reviewed November 2026.
Best for: Ontario small businesses with steady sales that need $5,000-$30,000 quickly and want to deal directly with the underwriting decision-makers - with repayments that flex as a share of sales
Apply Now Full profileBest for: Businesses six months old that need a large term raise and want a line and an advance available too
Apply Now Full profile| Azad Capital | Breeze Capital | |
|---|---|---|
| Amount range | $5,000 – $30,000 | $5,000 – $500,000 |
| Rate | Factor 1.15 - 1.45 | Factor 1.1 - 1.5 |
| Term | 1 – 8 months | 3 – 12 months |
| Funding speed | 3 days | 1 day |
| Income types | Not published | 3 income types accepted |
| Revenue minimum | $8,000/month revenue minimum | $10,000/month revenue minimum |
| Time in business | 6 months trading minimum | 6 months trading minimum |
| Minimum credit band | any | poor |
| Provinces | 1 provinces | All provinces and territories |
