Published merchant cash advance terms, side by side. Rates reviewed August 2026.
Best for: Businesses wanting term, revolving and revenue-based options under one roof from 6 months trading
Apply Now Full profileBest for: Very new Ontario businesses that cannot yet meet a six-month trading requirement
Apply Now Full profile| Journey Capital | Magical Business | |
|---|---|---|
| Amount range | $5,000 – $500,000 | $5,000 – $300,000 |
| Rate | Factor 1.1 - 1.5 | Factor 1.1 - 1.5 |
| Term | 3 – 12 months | 3 – 24 months |
| Funding speed | 1 day | 2 days |
| Income types | 3 income types accepted | 3 income types accepted |
| Revenue minimum | $8,333/month revenue minimum | $5,000/month revenue minimum |
| Time in business | 6 months trading minimum | 3 months trading minimum |
| Minimum credit band | fair | poor |
| Provinces | All provinces and territories | 1 provinces |
