E-Commerce Financing

Merchant Growth’s eCommerce Funding Program provides fast, flexible financing solutions tailored to the needs of Canadian eCommerce businesses to help them grow, scale, and manage cash flow effectively.
  • Merchant Growth
Overview of the E-Commerce Financing program:

The Merchant Growth eCommerce Funding Program is specifically designed to support online businesses across Canada by offering accessible and streamlined financing options. Recognizing the unique cash flow cycles and rapid growth potential of eCommerce businesses, the program offers funding solutions that are customized and hassle-free, ensuring that merchants can focus on business expansion rather than worrying about working capital. The process is entirely online, featuring a simple application process with minimal paperwork and fast turnaround times. Approved businesses can receive funds as quickly as within 24 hours. The funding can be used for a variety of business needs, including inventory purchases, marketing campaigns, hiring, or any other working capital expenses. The program provides a more inclusive approach to lending, evaluating the business’s overall performance rather than solely relying on traditional credit metrics. Merchant Growth offers personalized repayment structures that match the pace of online business operations, including fixed or flexible daily repayments based on sales volume. Designed with Canadian small businesses in mind, the program supports both startup and established businesses that sell goods online, whether through their own website or major eCommerce platforms. No collateral is required, making it a more accessible option for growing digital-first businesses.

Benefits of the E-Commerce Financing program:
  • Fast access to capital, often within 24 hours
  • Flexible repayment structures tailored to sales cycles
  • No collateral required
  • Simple online application with minimal documentation
  • Funding available up to $500,000
  • Ideal for digital and eCommerce businesses
  • Custom lending approach, not solely based on credit score
  • Support for various business needs, such as inventory, marketing, or operations
Eligibility criteria of the E-Commerce Financing program:
  • Must be a Canadian-based eCommerce business
  • Business should have regular sales activity, preferably through an online platform (e.g., Shopify, Amazon, WooCommerce)
  • Must demonstrate the ability to repay via revenue or cash flow patterns
  • Startups may be considered if they show consistent transactions
  • No specific age, revenue, or time-in-business minimums are publicly disclosed, but healthy transaction history is advantageous
  • Personal credit score is not the only deciding factor
  • Open to both incorporated businesses and sole proprietors
Request Funding Information

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