Direct lending plus our national partner network and federal grant desk—approving businesses on real monthly sales across all 10 provinces.
We look at your real monthly bank deposits and POS card sales—not rigid bank covenants. Sole proprietors, partnerships, and corporations with 3–6+ months in business are welcome.
Approve with 3–6+ months in business and $10K+/mo sales—even with bruised credit or bank declines.
Working capital & merchant loans require no personal home collateral. Sole proprietors & partnerships welcome.
Repay merchant loans as a small % of daily/weekly sales, or choose 1–5 yr term loans and 25-yr mortgages.
Term loans start from 6.99%–12.99% APR and merchant advances at 1.12–1.35 factor—only paid upon funding.
Use funds for cash flow, payroll, equipment, vehicles, inventory, renovations, property, or CRA tax arrears.
Work directly with a dedicated lending specialist 7 days a week across all 10 provinces.
Claim up to $3,000,000 in non-repayable RTRI grants (50% of payroll, rent & machinery, or 75% on $1M+ projects) paired with MiiBanc co-share financing.
Filter by funding type below—from $5,000 Merchant Advances to $25M+ Commercial Mortgages & $3M Grants.
Fast funding based on your monthly credit/debit card (POS) sales or total bank deposits—repaid automatically as sales come in.
Flexible working capital and revolving credit lines for payroll, inventory, renovations, or paying off high-interest debt and CRA balances.
Finance new or used commercial trucks, trailers, construction gear, restaurant/medical equipment, or plant machinery.
1st and 2nd commercial mortgages for retail plazas, warehouses, offices, industrial plants, and multi-unit properties.
Unlock cash tied up in 30–90 day customer invoices or pay suppliers upfront to fulfill large purchase orders and inventory runs.
Custom capital to buy an existing business, buy out a partner, or renovate and launch a new location.
Secure non-repayable federal RTRI grants covering up to 50% of payroll, rent, utilities, and property tax for tariff-impacted firms.
Buy machinery and automation at 50% off (up to $1M non-repayable) or access up to 75% government funding on $1M+ projects.
Estimate your Merchant Advance, Working Capital, Equipment, or Commercial Mortgage payment—or calculate your 50% Non-Repayable Government Grant.
| Year | Annual Payment | Principal Paid | Interest Paid | Ending Balance |
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6 to 12 months of business bank statements (not 3 months) to maximize your limit and lowest rate.
Owner’s Driver’s License / Photo ID and a Void Business Cheque.
For $500K–$25M+ commercial mortgages, complete our Net Worth Form (/application).
Tap your answers below and optionally upload your 6–12 months bank statements for priority underwriting.
Every type of small and mid-sized Canadian business—from Main Street merchants to industrial manufacturers.
Merchant advances repaid from daily POS card sales, clinic/kitchen equipment loans, inventory funding, and renovations.
Finance commercial trucks, trailers, and heavy machinery, bridge 30–90 day invoices/POs, or clear CRA tax balances.
1–3 week closings on commercial real estate purchases & refinances (up to 25-yr amortization), plus inventory & buyout loans.
Pair commercial loans with Ottawa’s $400M+ Steel, Aluminum, Auto, and Food Security non-repayable RTRI tariff relief grants.
Fast cash-flow underwriting across all 10 provinces with $0 upfront application fee.
Tell us how much you need ($5K–$25M+), your monthly sales ($10K+), and time in business (3–6+ mos).
Attach 6–12 months business bank statements, Driver’s License / Photo ID, and Void Cheque right away or after your call.
Your specialist locks in your best direct loan, partner offer, or federal grant—with 7-days-a-week support.
Real funding outcomes across retail, restaurants, construction, commercial property, and manufacturing.
“Our bank turned us down for our second restaurant renovation. We uploaded 6 months of bank statements to MiiBanc and got $85,000 based on our monthly POS card sales with automatic daily % payments.”
“MiiBanc structured a $420,000 working capital & commercial truck facility with zero home collateral—letting us bridge 60-day construction invoices and clear a CRA balance.”
“When our bank stalled in credit committee, MiiBanc closed our $2.8M commercial mortgage & partner buyout in 16 days with a 25-year amortization and $0 upfront fee.”
“MiiBanc unlocked $1.3M in non-repayable RTRI payroll & rent relief plus $800K for welding automation—and financed our 50% matching co-share in one place.”
Quick answers on documents, rates, qualification, and government grants.