Merchant Cash Advance FAQ — Canada

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 sales instead of a rigid bank-loan schedule. Built for speed and flexibility: funding runs from $5,000 to $500,000 and can arrive in as little as 24 hours.

No. A loan is borrowed money repaid on a fixed schedule regardless of how business is going. With an MCA, Trade Wings Capital purchases a fixed amount of your future receivables at an agreed price — you deliver a share of sales as they happen, so payments move with your revenue. That structure is also why approval leans on your sales rather than just your credit score, and why many Canadian owners choose an MCA when speed and flexibility matter more than a multi-year term.

A Toronto-based Canadian funding company serving business owners across Canada in English, French, and Spanish. We fund working capital from $5,000 to $500,000 — reach us at 1-866-519-WINGS or offers@twcapital.ca.

Anything that moves your business: inventory purchases, equipment upgrades, payroll support, marketing campaigns, short-term cash flow management, or preparing for seasonal demand.

A wide range across Canada — retail, hospitality and restaurants, construction and trades, transportation and trucking, e-commerce, health and wellness, and more.

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.

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.

Approvals start around a 500 credit score — lower credit is often workable because your business's sales matter more than your score alone.

No — a past bankruptcy doesn't automatically disqualify you. The application asks about it (and whether it was discharged) so our team can look at the full picture.

The typical approval profile is 6+ months in business, but you can still submit — our team reviews every file. Call 1-866-519-WINGS to talk it through.

We work with Canadian business owners across structures. The application asks for your legal business name; during review you may be asked for Articles of Incorporation where applicable.

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 valid government-issued photo ID (driver's licence, PR card, or passport).

Three steps: fill out the application (a few minutes), get approved — often within hours — and receive funds in your business bank account. You can apply on the form, or complete the whole thing in chat with Jordan on this site.

The final step of approval is securely connecting your business bank account so our funding team can verify your business activity. Documents and financial data go only to our funding team.

Yes. Jordan, our assistant, can answer questions, take your full application, and accept your bank statements through a secure upload — right in the chat window.

Applications and financial documents go to our funding team only. We don't sell personal information — see our privacy policy for the details.

Between $5,000 and $500,000, depending on your business. Your exact offer is confirmed after your application is reviewed.

Approvals can come within hours, and funds can land in your business bank account in as little as 24 hours after approval.

No. Trade Wings Capital advances require no collateral.

Payment structures are flexible and based on your business's cash flow, with clear terms and no unnecessary complexity. Your specialist walks you through the exact payment schedule of your offer before you accept anything.

Every offer is specific to your business, so we don't quote generic rates. Before you accept, your Trade Wings specialist reviews the full terms of your offer with you — and there's no obligation at any point. Call 1-866-519-WINGS for specifics.

No obligation. Checking your funding fit and applying costs nothing, and you decide only after seeing your offer.

Yes — the website, the application, our chat assistant Jordan, and our team are available in English, French, and Spanish.

Call 1-866-519-WINGS (1-866-519-4647) or email offers@twcapital.ca. We're at 18 King Street East, Suite 1400, Toronto, Ontario.

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