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: Very new Ontario businesses that cannot yet meet a six-month trading requirement
Apply Now Full profile| Azad Capital | Magical Business | |
|---|---|---|
| Amount range | $5,000 – $30,000 | $5,000 – $300,000 |
| Rate | Factor 1.15 - 1.45 | Factor 1.1 - 1.5 |
| Term | 1 – 8 months | 3 – 24 months |
| Funding speed | 3 days | 2 days |
| Income types | Not published | 3 income types accepted |
| Revenue minimum | $8,000/month revenue minimum | $5,000/month revenue minimum |
| Time in business | 6 months trading minimum | 3 months trading minimum |
| Minimum credit band | any | poor |
| Provinces | 1 provinces | 1 provinces |
