Azad Capital Review 2026Apply Now Check if I Qualify ↓
Written and analysed by Smarter Loans Editorial Team · Reviewed by Vlad Sherbatov
Each product is priced separately. Compare them below.
Three questions checked against Azad Capital's published criteria, per product. No application started.
Azad underwrites on your daily bank deposits and balance history: 6 months of operating history and $8,000 in monthly revenue, with credit as a secondary factor.
Issued by our editorial team from platform data and verified reviews. Lenders cannot buy them.
Quality Lender
Vetted lenders that are listed on Smarter Loans
Badges are issued by our editorial team from platform data and verified reviews. They are never sold, and featured placement has no bearing on them. Read the badge criteria ›
4 reviews from borrowers who used Azad Capital. Each is submitted by a verified borrower and moderated for authenticity; it renders as written, positive or not, and lenders cannot remove it.
We needed extra funding to upgrade our kitchen and keep up with growing demand. Azad Capital made the process simple and helped us get the working capital we needed to keep moving forward.
Getting funding through Azad Capital was straightforward and stress-free. We were able to invest in new equipment, expand our services, and focus on growing our spa.
We needed additional capital to purchase medical equipment and support our clinic's expansion. Azad Capital made the financing process easy to navigate and helped us move ahead with our plans.
Inventory is everything in our business, especially when demand picks up. Azad Capital helped us access the funding we needed to stock up on our best-selling products and take advantage of new opportunities.
Azad Capital Management Inc. is a privately held Toronto family office, established in 2019. Its specialty finance division, ACMI Merchant Cash Advance, funds Canadian small businesses directly from Azad's own balance sheet.
One product: the ACMI Merchant Cash Advance - $5,000 to $30,000 in revenue-based funding over 1-8 month structures. A merchant cash advance is a purchase of a portion of your future receivables, not a loan.
You get a quote within 24 hours of sending your bank statements. Once approved and signed, funds arrive in 1 to 3 business days.
Revenue-generating Ontario businesses with at least 6 months of operating history and $8,000 or more in monthly revenue, across a wide range of industries from healthcare and retail to trades, transportation and professional services.
Credit is a secondary factor. Underwriting focuses primarily on your business's cash flow, daily revenue and bank balance history.
Security is limited to the receivables Azad purchases - no lien on your equipment, real estate or other assets. No personal guarantee is required; Azad asks only for a performance guarantee.
Pricing uses upfront factor rates of 1.15 to 1.45, depending on risk, plus an origination fee of 3% to 10% depending on underwriting complexity - all set out in your quote. You know your total payback amount before accepting an offer.
Daily or weekly remittances of typically 15% to 20% of gross daily sales. Repayments are not automatically adjusted, but you can request an adjustment each month based on your sales.
Complete the short form at azadcapital.com/get-mca-funding or email sales@azadcapital.com, then send your 6 most recent months of corporate bank statements.
No. Azad is a direct funder - advances come from its own balance sheet, and you deal directly with the underwriting decision-makers.
