Published merchant cash advance terms, side by side. Rates reviewed August 2026.
Best for: Businesses six months old that want a term loan without a full year of history
Apply Now Full profileBest for: Businesses that want revenue-based funding priced as an APR rather than a factor rate
Apply Now Full profile| CanaCap | KM Capital | |
|---|---|---|
| Amount range | $5,000 – $500,000 | $5,000 – $500,000 |
| Rate | Factor 1.1 - 1.5 | Factor 1.1 - 1.5 |
| Term | 3 – 12 months | 2 – 24 months |
| Funding speed | 3 hours | 1 day |
| Income types | 3 income types accepted | 3 income types accepted |
| Revenue minimum | $10,000/month revenue minimum | $10,000/month revenue minimum |
| Time in business | 6 months trading minimum | 6 months trading minimum |
| Minimum credit band | poor | poor |
| Provinces | All provinces and territories | All provinces and territories |
