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.
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 working capital when you need it
Funding via direct deposit once approved. Track application status in your portal.
Flexible repayments that fit your cash flow
Match payments to your pay cycle; revenue‑based options flex with daily card sales.
Resources for you
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Funding from $10K to $800K
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.
High-impact to improve your business
Join hundreds of all sizes and industries who have saved with us.
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Loan options
Transparent rates & examples
Rates and costs vary by lender and province. We’ll show your full cost in dollars before you agree.
MERCHANT CASH ADVANCE
- Amounts up to $800K (subject to approval)
- 6–24 month terms with fixed payments
- No prepayment penalties
- Use for inventory, equipment, renovations, marketing
- Clear disclosures; support 7 days a week
- Funding as fast as 24 hours after approval
LINE OF CREDIT
- Up to $3M Draw when you need it
- Only pay interest on what you use
- Flexible limits reviewed over time
- View balance and draws in your portal
- No application fee
- Early repayment without penalties
REVENUE-BASED
- Up to $400K (typical)
- Funding speed varies by bank
- Repay as a small % of daily card sales
- Fast access for POS‑heavy businesses
- Clear cost shown up front
- Great for seasonality and short gaps