CanadaUnited KingdomUnited StatesAustralia
Apply Now
Revenue-Based Repayment

Merchant Cash Advance (MCA)

Get an advance against your future revenue and repay through a small percentage of your daily sales. Your repayment flexes with your cash flow—when sales are up, you pay more; when they're down, you pay less. No fixed monthly payments. Funding from $25,000 to $750,000.

Step 1 of 3

How much funding do you need?

$25,000$1,000,000

Applying is free and won't impact your credit score

4hrs
Fastest approval time
$1m
Maximum funding amount
Same Day
Funding available
0
Hard credit checks
Common Use Cases
How Business Owners Use This Funding
Covering inventory costs before a busy season
Stock up ahead of peak demand without draining your reserves. An MCA lets you invest in inventory now and repay naturally as sales come in.
Investing in equipment upgrades
Upgrade machinery, point-of-sale systems, or essential tools. Repay from daily revenue so the investment pays for itself as you use it.
Bridging gaps between slow periods
Smooth out seasonal dips or unexpected lulls. Repayments automatically adjust when revenue is lower, so you're not stretched during tough months.
How It Works
Three Simple Steps to Get Funded
No branch visits. No weeks of waiting. Just a fast, transparent process built for business owners who value their time.
1. Apply in 2 Minutes
Complete a short online form. No paperwork, no branch appointments, and zero hard credit pull. We will never affect your credit score during the initial application.
APPROVED
2. Same-Day Decision
We evaluate your business revenue and trading history, not just a credit score. Apply before 2pm and receive an offer the same business day.
$
24,500
274,500
3. Funds in Your Account
Accept your offer, and capital arrives in your business account, often within hours. No waiting weeks for bank approvals.
At a Glance
How Elect Capital Compares
We built our funding process around what business owners actually need. Here is how it measures up against traditional lending.
Traditional Lenders
Elect Capital
Approval speed
2 to 6 weeks
Same business day
Collateral required
Typically yes
Never
Hard credit check
Yes, during application
No hard credit pull
Documentation needed
Business plans, projections, years of accounts
Basic details and recent bank statements
Personal guarantee
Usually required
Not required
Funding range
Varies widely
$25,000 to $1,000,000
Your point of contact
Call centres and rotating staff
Dedicated funding advisor
Eligibility
Who Can Apply?

You don't need perfect credit or property as collateral. If your business is generating consistent revenue and has been trading for at least a year, you're likely eligible.

12+
Months in business
$25k+
Monthly revenue
$1m
Funding available
Funded
$165,000
Restaurant & Hospitality
TorontoOct 2025
Funded
$115,000
E-commerce & Retail
VancouverNov 2025
Funded
$290,000
Manufacturing
CalgaryDec 2025
Funded
$80,000
Healthcare
MontrealJan 2026
Industries
Industries We Work With
We fund established businesses across a wide range of sectors. If your business generates consistent monthly revenue and has been trading for at least 12 months, we want to hear from you.
FAQ
Common Questions
An MCA is an advance on your future revenue. You receive a lump sum upfront and repay it through a percentage of your daily credit card and debit card sales. Repayments are tied directly to your cash flow.
A small percentage of your daily sales is automatically applied toward repayment. When sales are higher, you pay more; when they're lower, you pay less. There are no fixed monthly payments—repayment scales with your revenue.
Elect Capital offers MCA funding from $25,000 to $750,000. The amount you qualify for depends on your business revenue, sales volume, and trading history.
If you apply before our cutoff time, you can receive an offer the same day. Once you accept, funds are typically transferred within hours. Many businesses are funded within 24–48 hours.
We focus on your business performance—revenue, sales trends, and cash flow—rather than personal credit scores alone. Many businesses with imperfect credit qualify for an MCA.
Businesses that process a meaningful volume of card sales are typically eligible. You generally need at least 12 months of trading history and consistent revenue. Retail, restaurants, and service businesses often fit well.
Unlike a traditional loan, an MCA has no fixed monthly payment. Repayment is a percentage of daily sales, so it automatically adjusts with your revenue. There's no collateral required, and approval is typically faster.
Yes. Many Elect Capital clients return for additional funding as their business grows. Once you have an established relationship with us, subsequent applications are typically even faster.
The Elect Difference
Why Business Owners Trust Elect
We're not a bank. We're not a broker. We're a dedicated funding platform built from the ground up to serve businesses with speed, transparency, and a human touch.
Transparency
Clear terms, no hidden fees, and open communication at every step. You'll always know exactly what you're signing up for before you commit.
Innovation
We use revenue data and cash flow analysis, not outdated credit models, to make funding decisions. Smarter underwriting means faster approvals.
Empowerment
Our team works directly with you. No call centres, no being passed between departments. One advisor, one relationship, one goal: getting you funded.
Work directly with Elect Capital. No matter your goal, our in-house funding advisors can help you find the right financing solution. No middleman, no delays.
Get Started
Choose Elect.
Choose Growth.
Capital that moves as fast as you do. One click away from the next opportunity.
Apply NowPartner With Us
Elect Capital
hello@electcapital.com+1 (437) 837-2406

Canada Head Office:
30 Adelaide St. East, 12th Floor
Toronto, ON
M5C 3G8, Canada

Navigate
HomepageWhy ElectPartnershipsBlogGuidesPress Kit
Funding Solutions
Fast Business FundingUnsecured Business LoansShort-Term Business LoansWorking Capital Loans
Business Type
RestaurantsRetail & E-commerceManufacturing & DistributionHealthcare & MedicalHospitality & ServicesConstructionAccounting & Business SupportInformation TechnologyLaw Firms

Elect Capital provides business funding solutions for Canadian businesses. Product availability, underwriting criteria, and terms vary by province and applicant profile. We may pay commission to introducers or referral partners where permitted by applicable law.

Elect Capital provides financing solutions to Canada SMEs, operating transparently in accordance with applicable laws and regulations.

2026 Elect Capital. All rights reserved.
Terms and ConditionsPrivacy PolicyCookie Policy
Website by Paragon Digital