Who Are We?

Filling A Growing Gap in the Financial Markets

Merchant Advance Capital (MAC) is here to help small and mid-sized business owners by providing innovative funding solutions. There are many strong Canadian businesses that deserve funding but are unable to get it today. Canada’s large financial institutions employ a conservative underwriting model based heavily on collateral. Additionally, banks are often unwilling to lend to a business for many other reasons, such as the industry the business is in or the length of time the business has been around. The result is that many businesses may not qualify for traditional bank loans even though they exhibit steady sales and profitability.

Merchant Advance Capital is closing this gap by banking on the most important asset of any business: its customers. Even if a business qualifies for a traditional loan, a merchant cash advance can provide greater flexibility and is preferable in many ways to traditional sources of capital.

Merchant Advance Capital is a Canadian owned and operated company, and it is headquartered in Vancouver, British Columbia. The founders of the company have significant financial and business experience, including owning and operating a variety of businesses themselves. So we understand the challenges of growing and investing in a business.

We employ a consultative approach by discussing the pros and cons of financing options with our clients. We develop long-lasting client relationships that bring down the cost of a merchant cash advance relative to our competitors (see the MAC Advantage).

Additionally, most of the other companies offering merchant cash advances in Canada are brokers, which result in extra fees and delays for business owners. By working with Merchant Advance Capital you are cutting out the middle man and working directly with the funding source! Apply now for a merchant cash advance to see how much you qualify for and we will get back to you within 24 hours!

The MAC Advantage

We are taking a one-of-a-kind approach in the Canadian merchant cash advance industry. We employ a consultative approach and focus on developing long-term client relationships, which allows us to minimize our risks and make our services cheaper than our competitors.

We believe that from the moment we give you your first cash advance, we are starting a meaningful and long-lasting working relationship as it relates to funding the ongoing capital requirements of your business. Our competitors do not offer preferential pricing based on long-standing relationships – even if you’re a returning client they continue to price aggressively to make large profits and cover the losses in other parts of their portfolio. Surely it makes sense to give a good client with whom you’ve built a trusting relationship a better deal!

We minimize the losses in our portfolio by using our gradual relationship-building approach to ensure that we are dealing with the right clients. We offer better terms (smaller fees and larger advances) to trusted clients that have demonstrated a track record of successful payback. By using this approach we can offer greater savings to our trusted customers and be a source of flexible financing on attractive terms for you!

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