Pricing Dec 2, 2025
Are there origination, underwriting, or platform fees I should expect?
There may be, and they should be disclosed clearly.
INSTANT.CREDIT
2 min read
FAQs
Frequently Asked Questions
Straight answers about how we work, who qualifies, and what financing actually costs.
Pricing Dec 2, 2025
Can you show me an APR-equivalent calculation for comparison across products?
Yes, this is a good question to ask.
INSTANT.CREDIT
2 min read
Pricing Dec 2, 2025
Do you charge any fees that are deducted from the advance at funding?
Often, yes.
INSTANT.CREDIT
2 min read
Pricing Dec 2, 2025
Do you charge any non-sufficient funds (NSF) or late fees?
If your remittance is collected via PAD and a debit bounces, most providers will charge:
INSTANT.CREDIT
2 min read
Eligibility Dec 2, 2025
Do you fund sole proprietors, or only corporations/partnerships?
Many MCA providers fund:
INSTANT.CREDIT
2 min read
Eligibility Dec 2, 2025
Do you offer MCAs for my industry, and are there any excluded sectors?
Most MCA providers in Canada work with a wide range of small and mid-sized businesses: restaurants, retail, salons, trades, auto services, e-commerce, and…
INSTANT.CREDIT
2 min read
Eligibility Dec 2, 2025
Do you require exclusive processing with a specific payment processor?
Not usually. Common setups are:
INSTANT.CREDIT
2 min read
Process Dec 2, 2025
How quickly can you deliver funds after approval?
Speed is one of the main reasons people choose an MCA.
INSTANT.CREDIT
2 min read
Pricing Dec 2, 2025
Is the remittance a percentage of sales, a fixed PAD, or a hybrid?
You’ll usually see one of these:
INSTANT.CREDIT
2 min read
Eligibility Dec 2, 2025
What are your minimum time-in-business and monthly revenue requirements?
Underwriters care most about stability of deposits, not just credit scores.
INSTANT.CREDIT
2 min read
Pricing Dec 2, 2025
What factor rate will apply to my advance, and how is it determined?
MCAs use a factor rate instead of an interest rate.
INSTANT.CREDIT
2 min read
Pricing Dec 2, 2025
What is the holdback percentage from card sales, and can it be adjusted seasonally?
The holdback is the percentage taken from your card batches (for split-funding).
INSTANT.CREDIT
2 min read
Process Dec 2, 2025
What is the maximum advance size you’ll consider for a first-time client?
For a first facility, the maximum advance is usually tied to your recent average monthly deposits and the consistency of your sales.
INSTANT.CREDIT
2 min read
Pricing Dec 2, 2025
What is the total payback amount and the expected duration based on my sales profile?
Your total payback is simple:
INSTANT.CREDIT
2 min read
Newsletter
Stay in the Loop
Still have a question? Get in touch and we will walk you through your options.