offers@twcapital.ca
Merchant Cash Advances for Canadian Businesses
Apply in minutes | Qualify for $5,000 - $500,000 in working capital | Get funds in your business account in as little as 24 hours
- Toronto-based Canadian funder
- Service in English, French & Spanish
- Clear terms — no obligation to apply
- Applications go only to our funding team
Fast Business FundingThat Keeps You Moving
When timing matters, access to capital can make all the difference. Trade Wings Capital offers Canadian business owners cash advances with flexible payments to support day-to-day operations, growth opportunities, or unexpected business expenses.
Funds disbursed in as little as 24 hours
No collateral required
Flexible payment structures based on business cash flow
Clear terms with no unnecessary complexity
See If Your Business Qualifies for MCA
If your business has steady revenue and an operating history, there’s a good chance you qualify for a merchant cash advance.
Canadian citizen or permanent resident business owner
6+ months in business
At least $10,000 in average monthly revenue
Credit score starting around 500
Check your funding fit
30 seconds · 3 questions · No credit check, no commitment
From Application to Funding in 24 Hours
The application takes only a few minutes, and our team works quickly to get the funding you need for your business.
Fill out the application form.
Get approved.
Receive funds in your business bank account.
It’s Not Just Money. It’s Momentum.
The right capital helps you stay operational, respond to challenges, and move on growth opportunities without waiting. Merchant cash advances are often used to bridge short-term needs and keep businesses moving forward.
Industries We Serve
We work with a wide range of industries across Canada, including but not limited to:
Retail
Inventory, seasonal stock, new locations.
Hospitality & Restaurants
Cover slow weeks, renovate, staff up.
Construction & Trades
Bridge progress payments, buy materials.
Transportation & Trucking
Fuel, payroll, repairs — keep moving.
E-commerce
Stock up and market ahead of demand.
Health & Wellness
Growth for clinics, gyms and spas.
Professional Services
Cash flow for agencies, IT and firms.
Manufacturing & Wholesale
Buy materials, fill purchase orders.
Business Funding Across Canada
We fund businesses in all ten provinces — everything happens online, in English, French, and Spanish.
Ontario
Toronto & the GTA, Mississauga, Brampton, Ottawa, Hamilton, London, Kitchener–Waterloo.
Québec
Montréal, Laval, Québec City, Gatineau, Longueuil — service en français.
Western Canada
Vancouver, Surrey, Calgary, Edmonton, Winnipeg, Saskatoon, Regina.
Atlantic Canada
Halifax, Moncton, Saint John, St. John's, Charlottetown.
Not in a big city? No problem — if your business banks in Canada, we can fund it. See every province and city we fund →
Frequently Asked Questions
What is a merchant cash advance?
A merchant cash advance (MCA) gives your business a lump sum of working capital. It isn't a loan: Trade Wings Capital purchases a portion of your future sales (receivables) at a fixed, agreed price, and payments flex with your revenue instead of following a fixed bank-loan schedule. Funding runs from $5,000 to $500,000 and can arrive in as little as 24 hours.
How much funding can I get?
Between $5,000 and $500,000, depending on your business. Your exact offer is confirmed by our funding team after you apply — there's no obligation.
How fast can I get funded?
The application takes a few minutes, approvals can come within hours, and funds can be in your business bank account in as little as 24 hours.
Do I qualify?
You likely qualify if you're a Canadian citizen or permanent resident business owner, have 6+ months in business, and average at least $10,000 in monthly revenue. Credit scores from around 500 are workable.
What if my credit isn't perfect?
Lower credit is often OK — approvals start around a 500 credit score, and a past bankruptcy doesn't automatically disqualify you. The application asks about it so our team can look at the full picture.
Is collateral required?
No. Trade Wings Capital advances are unsecured — no collateral is required.
What documents do I need?
To get started: your business bank statements from the past 3 months. During review you may be asked for Articles of Incorporation, a void cheque, and a government-issued photo ID. The final step is securely connecting your business bank account.
What can I use the funding for?
Anything that moves your business: inventory, equipment upgrades, payroll, marketing, short-term cash flow, or preparing for a busy season.
What happens after I apply?
Three steps: submit the application, get approved — often within hours — and receive funds in your business bank account. A member of our team reaches out to walk you through your offer.
Can I get service in French or Spanish?
Yes — the site, the application, and our team are available in English, French, and Spanish. Jordan, our chat assistant, speaks all three too.
Which provinces and cities do you fund?
All ten provinces, coast to coast — Ontario, Quebec, British Columbia, Alberta, Manitoba, Saskatchewan, Nova Scotia, New Brunswick, Newfoundland and Labrador, and PEI. Because everything happens online, a business in Toronto, Montréal, Vancouver, Calgary or a small town moves at the same speed. Service is available in English, French, and Spanish.
See all questions in the full FAQ → · Funding guides on the blog
Hear From Our Clients
As a restaurant owner, I know how fast things change. Trade Wings gave me the flexibility and speed I needed to stay on top of my operations.
The payment structure made sense for my business. I didn’t feel boxed in, and the team was helpful from day one.
Trade Wings treated me like a partner, not just a number. Everything was explained clearly, and I had funding the next morning.
Stocking up ahead of a busy season has always been stressful. This time, I had support I could count on. The process was simple and professional.
I needed funding to keep my trucks running. Trade Wings approved me within hours and had the money in my account the next day.
We were coming off a slow month and needed quick access to capital. Trade Wings came through exactly when we needed it.
Ready to Move Your Business Forward?
Apply today to see how much funding your business may qualify for. Fast decisions, personalized funding, and support every step of the way. No obligation to apply. No collateral required.
Apply Now
