Fast Setup

Dedicated Support

Canadian Company

WORKING CAPITAL

$10K to $500K.Decision in 24 hours.Your bank can't say that.

Merchant cash advances based on your actual sales history — not your credit score. No collateral. No board approval. No waiting.

Apply Now See How It Works

No credit-score impact · No collateral · Decision in 24hr

THE PROCESS

Three steps. Four days. Done.

Built for merchants who don't have time to wait for the bank to call back.

Apply

5 minutes

Fill out our online form. We ask for your monthly volume, time in business, and basic ID — that's it.

Get Approved

24 hours

Our team reviews your processing profile. Decision within one business day. No credit committee, no branch back-and-forth.

Receive Funds

1–2 days

Once accepted, the advance lands in your business account within 24–48 hours. You're using the money the same day.

Day 1

Day 2

Day 3–4 · Funds received

ADVANCE CALCULATOR

See your numbers before you sign.

Slide the advance amount. Transparent math. No hidden language.

Advance amount

$75,000

$10K$500K

Total payback

$93,750

1.25 factor rate

Daily holdback

~8%

% of your card sales

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Real numbers depend on your volume and profile. No compounding interest, no hidden fees — what you see is what you pay.

WHO QUALIFIES

Who can get approved.

We keep the criteria clear. No fine print.

6+ months in business

$10K+ monthly card revenue

Registered Canadian business

Active business bank account

We approve even when your personal credit isn't perfect — we look at your business, not your score.

MERCHANT STORY

“We got $75K in 18 hours. Opened our second location six weeks later.”

Franchise owner, Toronto

Approved · January 2026

FAQ

Real questions, real answers.

Is this a loan?+

No. A merchant cash advance is the purchase of a portion of your future card sales at a discount. There's no compounding interest, no fixed monthly payment, and no early-repayment penalty.

How does repayment work?+

We retain a small percentage (typically 8%) of your daily card sales until the total amount is repaid. Slow days cost you less, busy days cost you more — repayment adapts to your actual revenue.

Does this affect my personal credit?+

No. We don't run a hard credit check. The evaluation is based on your card-processing history, not your personal credit score.

How much can I get?+

Between $10,000 and $500,000. The ceiling depends on your monthly card-processing volume — typically about 1–2× your average monthly revenue.

What happens if my volume drops?+

Repayment automatically adjusts. If you process less this month, we retain less. There's no fixed monthly payment to miss.

Can I get another advance before paying off the first?+

Often yes — typically after you've repaid about 50% of the current advance. Ask us for a re-evaluation any time.

Ready to unlock capital?

5 minutes to apply. 24 hours for a decision. No commitment.

Apply Now

All applications subject to review. Approval not guaranteed. SavPay works with authorized Canadian funding partners.