Nexus Finance logoNexus Finance Review 2026

QUALITY LENDER What these mean ›
★★★★★ 4.8 · 3 borrower reviews
Nexus Finance is a Canadian business lender offering term loans and equipment financing from $2,500 to $1 million, and merchant cash advances priced as factor rates. 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 wanting a low rate with a long repayment runway
Not for
Businesses under a year old
What we like
  • + 7.5% APR floor, second lowest in the pool
  • + $2,500 minimum makes small facilities viable
  • + Terms to 72 months
Where it could improve
  • − 12 months trading and $10,000 monthly revenue required
  • − Advance product is factor-priced and quoted per deal

Products offered

Each product is priced separately. Compare them below.

Term Loan
Unsecured · All of Canada
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Amount
$2.5K - $1M
Rate
From 7.5% APR
Terms
3 - 72 months
Min revenue
$10,000/mo
Time in business
12+ months
Merchant Cash Advance
Repaid as a share of sales · All of Canada
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Amount
$5K - $500K
Rate
Factor 1.1 - 1.5See true cost ›
Terms
3 - 12 months
Min revenue
$10,000/mo
Time in business
12+ months
Good to know: Priced as a factor rate, never converted to APR. The MCA true-cost calculator converts it to dollars.
Equipment Financing
Secured on the asset · All of Canada
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Amount
$2.5K - $1M
Rate
From 7.5% APR
Terms
3 - 72 months
Min revenue
$10,000/mo
Time in business
12+ months

See if you qualify

Three questions checked against Nexus Finance's published criteria, per product. No application started.

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

Awards earned by Nexus Finance

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

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Borrower reviews

3 reviews from borrowers who used Nexus Finance. Reviews are moderated; lenders cannot remove them.

★★★★★ Funding for my cafe

These guys helped me get approved for a 40K loan for my cafe. Appreciate the help, great experience.

Mani
★★★★★ Funded!!!

Discover Capital got me a great deal on a MCA. I was able to get extra inventory for my store.

Thomas
★★★★★ good service

good service got funds same day

jogpreet pundeep

Common questions about Nexus Finance

Who is Nexus Finance?

Nexus Finance is a Canadian business financing company that helps small and medium-sized businesses access fast and flexible funding solutions.

What does Nexus Finance do?

Nexus Finance connects businesses with financing options such as merchant cash advances, lines of credit, unsecured term loans, point of sale financing, and invoice factoring.

Who can apply for funding through Nexus Finance?

Any Canadian business that meets the minimum criteria of 6 months in operation, $10,000 in monthly revenue, and a 550+ credit score is eligible to apply.

How much can a business borrow?

Loan amounts range from $2,500 to $1,000,000 depending on the business profile and financing type.

What is the interest rate?

Interest rates start at 7.5%, with the final rate depending on the financial profile of the business.

How long are the repayment terms?

Terms range from 3 to 72 months, depending on the type of financing selected.

Nexus Finance · $2,500 - $1 million · 3 products · funding in 48 hours Apply Now