INSTANT.CREDIT
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Instant Financing. Same-Day
Funding, Anywhere In Canada

Instant Credit helps Canadian SMEs access working capital quickly — term loans, lines of credit, and revenue-based financing. Apply online in minutes; funding can be as fast as 24 hours after approval.

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Simple 3-step online application

Apply in about 5 minutes from your phone or desktop. Secure bank connections — no heavy paperwork.

Multiple funding options in one place

Choose a term loan, line of credit, or revenue-based financing — pick what fits your cash flow.

Transparent pricing & no hidden fees

See your total cost before you agree. No application fees, no prepayment penalties on term loans.

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Get Working Capital
When You Need It

Funding via direct deposit once approved. Track application status in your portal.

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Flexible Repayments That
Fit Your Cash Flow

Match payments to your pay cycle; revenue-based options flex with daily card sales.

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Resources For You

Connect the dots between customer needs and your product delivery workflows.

65K+

Applications completed

$250M

Processed

12K

Customers

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Funding From $10K
To $800K

Amounts depend on product and approval criteria—larger limits available for well-qualified businesses.

See loan amounts

Clarity Before You
Commit

View total repayment and schedule up front—no surprises or hidden fees.

See a sample quote
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High-Impact To Improve Your
Business

Join hundreds of all sizes and industries who have saved with us.

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97.5%

Customer satisfaction

65K+

Applications completed

10M

Interest savings

Transparent Rates &
Examples

Compare structures side-by-side and pick the one that fits your business.

Merchant Cash Advance

Pay as you earn

  • ✓Lump sum funded fast (often 24h)
  • ✓Repaid as a % of daily card sales
  • ✓Typical terms: 4–18 months
  • ✓No collateral required
  • ✕No revolving credit
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Popular

Line of Credit

Draw what you need

  • ✓Up to ~$125K limit
  • ✓Pay interest only on what you draw
  • ✓Redraw as you repay
  • ✓Ideal for managing working capital
  • ✓Quick top-ups once approved
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Revenue-Based

Scale with sales

  • ✓Payments scale with monthly revenue
  • ✓No fixed PAD on slow months
  • ✓Great fit for seasonal businesses
  • ✓Term loans available alongside
  • ✕Not a revolving facility
Check eligibility

Ready to see what you qualify for?

Apply in about 5 minutes. Secure bank connection. No impact to your credit score for the initial check.

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