Business Funding With Bad Credit in Canada
The most expensive myth in Canadian small business: "my credit score means no one will fund me." If your business has real sales, that's simply not true.
Why your score isn't the whole story
Banks underwrite you — your credit file, your assets, your history. Merchant cash advance funders underwrite your business — its monthly sales, its consistency, its momentum. That's why at Trade Wings Capital, approvals start at credit scores around 500, a range most banks won't touch.
What actually matters
- Monthly revenue: $10,000+ on average is the typical bar.
- Time in business: 6+ months shows the sales aren't a fluke.
- Ownership: Canadian citizen or permanent resident.
- Recent bank statements: your last 3 months tell the real story.
What about bankruptcy?
A past bankruptcy — especially a discharged one — doesn't automatically disqualify you. The application asks about it so a human can look at the whole picture, not so a computer can reject you.
What to expect
The process is the same as for anyone else: apply in minutes (form or chat), statements reviewed quickly, approval possible within hours, and $5,000–$500,000 in your account in as little as 24 hours — with no collateral. Rebuilding credit while running a business is hard enough; your funding shouldn't punish you twice.
Check your fit in 30 seconds on the homepage — no credit check, no commitment — or start the conversation with Jordan right now. More questions? The FAQ covers bankruptcy, documents, and timing.
Related guides: The requirements checklist · MCA vs. bank loan