In this interview, we sit down with David Gens, Founder and CEO of Merchant Growth, to discuss how his company is transforming small business financing in Canada through innovation, technology, and customer care.
Who is Merchant Growth?
Founded in 2009, Merchant Growth is one of Canada’s most recognized fintech lenders, specializing in providing fast and flexible funding to small and medium-sized businesses.
Headquartered in Vancouver, Merchant Growth offers business loans and merchant cash advances to help entrepreneurs access the capital they need to grow — without the red tape of traditional banking. Over the years, the company has funded tens of thousands of businesses nationwide, becoming a trusted partner for Canadian entrepreneurs.
What Does Merchant Growth Offer?
Merchant Growth provides a range of business financing options designed to meet the unique needs of modern business owners, including:
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Term Loans – for established businesses looking for predictable payments.
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Merchant Cash Advances (MCAs) – flexible funding based on daily sales performance.
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E-commerce Funding – tailored for online sellers who need inventory or marketing capital.
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Lines of Credit – ongoing access to capital for recurring expenses or new opportunities.
With quick online applications, approvals within 24 hours, and transparent repayment options, Merchant Growth ensures businesses can focus on growth rather than paperwork.
Insights from David Gens
In this interview, David Gens shares his perspective on what drives Merchant Growth’s success and how the company remains committed to empowering entrepreneurs. He explains how technology enables smarter lending decisions, helping business owners access capital that truly fits their operations.
David also discusses the importance of building strong relationships with customers — treating each loan as a partnership rather than a transaction. This philosophy has allowed Merchant Growth to stand out in the competitive fintech landscape and maintain one of the highest satisfaction rates among Canadian small business lenders.
Why Merchant Growth Stands Out
Merchant Growth has built a reputation for speed, transparency, and innovation. Their proprietary technology streamlines underwriting, making approvals faster and fairer for business owners. They’re also one of the few lenders in Canada offering specialized e-commerce funding, reflecting the evolving needs of digital-first entrepreneurs.
By focusing on customer success, Merchant Growth has become a cornerstone of Canada’s small business funding ecosystem — enabling growth across industries from retail to restaurants to construction.
Our Take
Merchant Growth exemplifies how fintech can drive real-world impact for Canadian businesses. Under David Gens’ leadership, the company continues to deliver accessible, data-driven financing that helps entrepreneurs succeed on their terms.
Watch the full interview above to learn how Merchant Growth is redefining business lending in Canada.
Visit Merchant Growth’s profile on Smarter Loans to learn more or apply for business financing.
Video Contents:
00:00 – Intro
01:25 – David’s Entrepreneurial Journey & Inspiration for Merchant Growth
03:27 – Merchant Growth’s Mission
05:04 – How Do Financing Options Work?
06:12 – Merchant Opportunities Fund
07:45 – Reasons to Take On A Business Loan
09:39 – Things to Keep In Mind when Getting A Loan
10:57 – Things to Keep In Mind For Getting Qualified
12:06 – Things to Avoid
13:51 – Changes In The Industry In The Last 5 Years
16:11 – Did Demand For Capital Go Up?
16:49 – Challenges Business Owners Experience & How to Overcome Them
17:59 – Can The Borrower Experience Be Improved?
19:24 – Trends in U.S. & Canada
20:40 – Advice For New Entrepreneurs
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To learn more about Merchant Growth, please visit the Merchant Growth profile on Smarter Loans.
Looking to learn more about business loans? If so, visit the Business Loans section.
Video by:
Amy Orr is a professional writer and editor with over 10 years of experience in the Canadian, U.S. and U.K. financial markets. She has written for numerous publications on topics as diverse as economic literacy, corporate finance, and technical analysis of numerical data. Prior to transitioning to full-time writing, she worked in the hedge fund sector. Her academic background is astrophysics, and she has a Masters in Finance from the University of Edinburgh Business School.
