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; get funded instantly
*where available on approved applicants
Estimate your advance
See your total cost before you apply
Illustration from your figures — not an offer, quote or approval.
Resources For You
Connect the dots between customer needs and your product delivery workflows.
Get Working Capital When You Need It
Join hundreds of all sizes and industries who have saved with us.
Flexible Repayments That Fit Your Cash Flow
Match payments to your pay cycle; revenue-based options flex with daily card sales.
Funding From $10K To $3M
Amounts depend on product and approval criteria—larger limits available for well-qualified businesses.
Clarity Before You Commit
View total repayment and schedule up front—no surprises or hidden fees.
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.
Get funded in 3 steps
Apply online in minutes; get funded instantly
Apply in about 5 minutes
Complete a short online application from your phone or desktop. Secure bank connections — no heavy paperwork.
Connect your bank data
Connect bank data or upload statements so your business can be reviewed.
Review options and get funded
Review your options, then get funded once approved — funding is instant.*
Transparent Rates
Compare structures side-by-side and pick the one that fits your business.
Merchant Cash Advance
Pay as you earn
- Lump sum funded instantly*
- Repaid as a % of daily card sales
- Typical terms: 4–24 months
- No collateral required
- No revolving credit
Line of Credit
Draw what you need
- Up to ~$3M limit
- Pay interest only on what you draw
- Redraw as you repay
- Ideal for managing working capital
- Quick top-ups once approved
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
*Instant funding where available on approved applicants. Structures shown are indicative and depend on product and approval criteria. Nothing here is an offer of credit.
Frequently Asked Questions
Straight answers about how we work, who qualifies, and what financing actually costs.
INSTANT.CREDIT is a Canadian business lender. We fund term loans, lines of credit and revenue-based financing directly—quickly and transparently.
Complete a short online application, connect bank data or upload statements, review your options, then get funded once approved.
Amounts typically range from $10K to $3M across products and lenders; lines of credit commonly go up to ~$3M.
Common requirements include 6+ months in business, monthly revenue thresholds, and a Canadian business bank account (exact criteria vary by lender).
Funding is instant once approved, where available on approved applicants. Approval decisions are typically made within 24–72 hours.
Get Your Free Quote
Tell us what you need and one of our funding advisors will be in touch within one business day.
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.