Merchant Growth logoMerchant Growth Review 2026

QUALITY LENDER ENDURING EXCELLENCE VIDEO VERIFIED CUSTOMER FAVOURITE What these mean ›
★★★★★ 4.8 · 10 borrower reviews
Merchant Growth is a Canadian business lender offering term loans and lines of credit from $5,000 to $800,000. Funding in as little as 48 hours.

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Rates checked August 5, 2026

Our verdict

Written and analysed by Smarter Loans Editorial Team · Reviewed by Rafael Rositsan

Best for
Established businesses with $5,000 a month in sales that want a term loan and a line of credit together
Not for
Businesses under a year old
What we like
  • + $5,000 monthly revenue requirement is half the category norm, the lowest in the pool
  • + 7.99% APR floor is among the lowest available
  • + Lends to $800,000 across both a term loan and a revolving line
Where it could improve
  • − 12 months trading required, where Driven and Breeze accept 6
  • − The APR floor is a best case and depends on the credit profile

Products offered

Each product is priced separately. Compare them below.

Term Loan
Unsecured · All of Canada
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Amount
$5K - $800K
Rate
From 7.99% APR
Terms
6 - 24 months
Min revenue
$5,000/mo
Time in business
12+ months
Line of Credit
Revolving · All of Canada
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Amount
$5K - $800K
Rate
From 7.99% APR
Terms
Revolving
Min revenue
$5,000/mo
Time in business
12+ months

See if you qualify

Three questions checked against Merchant Growth's published criteria, per product. No application started.

Answer the questions to check Merchant Growth's published criteria
Educational check against published criteria. Not an approval or offer.

Awards earned by Merchant Growth

Issued by our editorial team from platform data and verified reviews. Lenders cannot buy them.

QUALITY LENDER badge Quality Lender

Vetted lenders that are listed on Smarter Loans

ENDURING EXCELLENCE badge Enduring Excellence

Listed on Smarter Loans for 7 or more years

VIDEO VERIFIED badge Video Verified

Completed a video interview with a Smarter Loans journalist, or has a video review on their profile

CUSTOMER FAVOURITE badge Customer Favourite

High click-through and engagement rates from Smarter Loans visitors

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 ›

Borrower reviews

10 reviews from borrowers who used Merchant Growth. Reviews are moderated; lenders cannot remove them.

★★★★★ Waiting for my loan now

I got a quick approval for the amount that I asked. I was expecting crazy high interest but it was not bad considering I don't have the best credit now. I'll receive my loan in a day hopefully. Thanks Merchant Advance Capital!

Amir Farhan
★★★★★ Customer Service

Honestly the reason I want to give Merchant Advance Capital five stars is their great customer service.I got the funds, and while the application was similar to other loan providers, the customer service here was amazing.

Johny
★★★★★ Helped with upgrades

I was looking to upgrade some machinery for my auto shop. Merchant Growth was able to give me a loan for $50,000. The entire process too just a few days.

Noah
★★★★★ Fast Funds, No Hassle

Our business needed a quick cash injection and Merchant Advance delivered. Easy process and helpful team.

George K
★★★★☆ Fair Rates and Small Business Friendly

Good rates and transparent terms. They really understand small business needs. The setup took a few days but worth it.

Jenny M.
★★★★★ Tailored Financing for My Restaurant

Super professional. They worked with my restaurant’s cash flow to find the right financing option. Highly recommend!

Marco D.
★★★★★ Smooth and Fast Experience

Smooth experience from start to finish. The online application was quick and the funds were in our account in 48 hours.

Teresa L.
★★★★★ Helpful Team, Tough Repayment Terms

Helpful team, but the repayment frequency felt a bit aggressive for our cash flow. Still, they came through when we needed it.

Kyle J.
★★★★★ Flexible Financing When Needed

Merchant Advance Capital gave us the flexibility we needed to manage operations during a slow season.

Nicole F.
★★★★☆ Clear and Trustworthy Service

Clear communication and reasonable rates. Not the fastest, but definitely trustworthy.

Ravi B.

Common questions about Merchant Growth

What is Merchant Growth?

Merchant Growth is one of Canada’s fastest business lenders. Their latest technology helps provide fast accessible financing to small businesses in Canada.

Is Merchant Growth Safe?

Merchant Growth has been helping businesses grow since 2009. Merchant Growth is a part of the Canadian Lenders Association and has been seen on CTV, CBC News and was in Growth 500 as one of Canada’s Fastest Growing Companies. They have nearly 2,000 customers and have funded over 150 million dollars. They also have offices in Toronto and Vancouver.

What Products and Services Does Merchant Growth Offer?

Merchant Growth offers small business financing, and their products include business loans and a line of credit.

How Much Can I Borrow from Merchant Growth?

You can borrow $5000 - $500,000 from Merchant Growth.

What Is the Interest Rate on a Merchant Growth Loan?

Interest rates on Merchant Growth loans range between 7.99% and 39.99%.

What Is the Term Length for a Merchant Growth Loan?

Terms on a Merchant Growth's business loan are between 6 and 24 months.

Merchant Growth · $5,000 - $800,000 · 2 products · funding in 48 hours Apply Now