Flexible Financing Solutions for Canadian Businesses
At Flex Funding, we help businesses access the capital they need to thrive. We connect you with the right funding options, ensuring you get fast, flexible financing tailored to your needs. Whether you’re looking to cover an immediate expense or expand your operations, we offer a fast, hassle-free solution
Flex Funding is here to help Canadian businesses get the capital they need, quickly and efficiently. As a business capital provider, we connect businesses with reputable lenders who offer financing solutions based on your future credit card sales—giving you fast access to cash when you need it most. We take pride in simplifying the funding process, ensuring your business gets the right solution without the lengthy approval process of traditional loans.
At Flex Funding, we work with a wide network of trusted lenders to help you find the best financing option. Whether you’re managing cash flow or need funding for growth, we’re committed to helping you secure the capital you need to move forward
How We Do It
The application process couldn’t be simpler. If you have been in business for a few months and have sales to show, we want to see your application.
Step 1: Apply
Send us documents showing cash flow for the last few months.
Step 2: Review Your Offer
Our underwriters review the docs and open the piggy bank.
Step 3: Get Funded
Funds get deposited in your account and BOOM — you’re off to the race
Note: A Merchant Cash Advance (MCA) is based on your future sales, not a traditional loan. Repayments fluctuate with your daily credit card sales, providing flexibility in times of lower sales
Getting Started with Flex Funding
Our process is designed to make accessing capital quick and easy. Here’s how it works:
Merchant Cash Advance (MCA) Explained
A Merchant Cash Advance is an alternative financing option that gives your business immediate access to capital. Unlike traditional loans, an MCA isn’t based on debt repayment with fixed monthly payments. Instead, you receive a lump sum of cash upfront in exchange for a percentage of your future credit card sales.
Your repayment is tied to the sales your business makes, so if your sales dip, your repayment amounts will automatically adjust, offering a flexible solution compared to fixed loans.
How It Works
- Receive Funds: You get a lump sum of cash to help with business expenses.
- Repayment Based on Sales: Repayments are made as a percentage of your future credit/debit card sales.
- Flexible and Easy: As your sales increase or decrease, your repayments adjust accordingly.
Benefits of an MCA
- No Fixed Payments: Unlike loans with fixed monthly payments, MCAs adjust based on your sales.
- Quick and Easy Approval: Typically, an MCA can be approved and funded within 48 hours.
- No Collateral Required: You don’t need to risk personal assets to secure funding.
- Flexible Repayment: Your repayment is tied to sales, so it’s easier to manage if your cash flow fluctuates.

Frequently Asked Questions
A Merchant Cash Advance (MCA) is not a loan. Instead, it’s an advance on your future sales. Rather than paying fixed monthly payments, repayment is based on a percentage of your future credit card sales, making it a more flexible alternative to traditional loans.
We connect businesses with trusted funders who offer Merchant Cash Advances (MCAs). The MCA is based on future sales, so it’s ideal for businesses looking for quick access to capital without the need for collateral or fixed monthly payments.
Yes! Since the MCA is based on your business’s sales history rather than your personal credit score, your credit doesn’t have to be perfect to qualify. Funders will assess your sales volume to determine your eligibility.
Yes! Since the MCA is based on your business’s sales history rather than your personal credit score, your credit doesn’t have to be perfect to qualify, funders will assess your sales volume to determine your eligibility.
The approval process is quick—usually within 1-2 business days. Once approved, you could have access to your funds within 48 hours.
One of the main benefits of an MCA is that repayment is tied directly to your sales. If your sales dip, the amount you repay will automatically adjust to reflect that, giving you more flexibility during slow periods.
Flex Funding does not charge upfront fees, and we ensure all terms are clearly outlined. Some fees may apply depending on the lender you’re connected with, and these will be fully explained before you commit to an MCA.
Yes! You can use the funds from your MCA for any business-related expenses such as inventory, payroll, marketing, or equipment purchases