Transparent Rates
Compare merchant cash advance, line of credit and revenue-based financing side-by-side and pick the structure that fits your business.
Transparent Rates
Compare structures side-by-side and pick the one that fits your business.
Merchant Cash Advance
- 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
- 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
- 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.
Not sure which structure fits?
Apply in about 5 minutes. Secure bank connection. No impact to your credit score for the initial check.