$85K funded
"We needed inventory funding before peak season and our bank wanted six weeks of paperwork. CanLend had us approved the same day and funded by Thursday. We didn't miss a single sale."
Delgado Home & Garden
Toronto, ON
MD
Maria DelgadoAlternative Lending · Canada & USA
Liquidity, in as fast as 24 hours.
Merchant cash advances and working capital for North American merchants. Upload three months of bank statements and get matched to funding today.
Start Application
Funding as fast as 24 hrs No hard credit pull 3 months of statements
Quick Start · 60 seconds
Trusted & Secure
256-bit SSL Encryption
Bank-grade security
PIPEDA & CCPA Compliant
Data privacy protected
PCI DSS Compliant
Secure payment handling
BBB Accredited
Trusted business
CFA & AFCC Members
Industry associations
24 hrs
Typical time to funding
3
Months of bank statements required
40+
Lending partners in our network
0
Hard credit pulls to apply
Industries we fund across Canada & the USA
Retail
Restaurants
Logistics & Transport
Healthcare
Construction
E-commerce
Manufacturing
Hospitality
Automotive & Trades
Agriculture
Retail
Restaurants
Logistics & Transport
Healthcare
Construction
E-commerce
Manufacturing
Hospitality
Automotive & Trades
Agriculture
Funding Calculator
See what you could qualify for.
Move the slider to your average monthly revenue. We estimate your eligible funding range based on typical merchant cash advance and working capital offers.
Estimates only. Actual offers depend on bank statements, time in business, and industry.
Monthly RevenueDrag to adjust
$30,000/mo
$5,000$500,000+
Estimated funding range
$24,000–$45,000
Typical offer near $35,000
02 — Compare Options
Find the right funding for your business.
Every merchant is different. Compare our core alternative funding products side by side — available to merchants across Canada and the United States.
Product
Most popular
Merchant Cash Advance
Working Capital Loan
Equipment Financing
Invoice Factoring
Best for
Daily card sales
Short-term operations
Buying equipment
Slow-paying invoices
Funding range
$10K – $500K
$10K – $250K
$25K – $750K
$5K – $1M
Funded in
24 hours
24 – 48 hours
48 hours
24 hours
Term
3 – 18 months
6 – 24 months
12 – 60 months
Until invoice paid
Credit check
No hard pull
No hard pull
No hard pull
No hard pull
Repayment
Daily/weekly % of card sales
Fixed weekly payments
Monthly, equipment-secured
Advance against invoices
04 — Loan Finder
Not sure which product fits?
Answer three quick questions about your business and revenue. We'll match you with the funding product that best fits your needs — no obligation, no credit check.
Takes under a minute
Step 1 of 30%
What's your business type?
This helps us match products to your cash-flow pattern.
02 — Services
Capital, engineered for momentum.
Six funding products, one application. We match your profile to the right structure across our lender network.
Most Popular
Merchant Cash Advance
Upfront capital in exchange for a portion of future card sales. Approvals in hours, not weeks — repay as you get paid.
- Up to $500K upfront
- Repayment follows your sales
- Approval in hours
1–24 months
Working Capital
Flexible term funding for inventory, payroll, expansion, or any operational need.
Equipment Financing
Finance trucks, ovens, machinery, and tech — the equipment itself secures the deal.
Invoice Factoring
Turn unpaid B2B invoices into same-day cash. We advance up to 95% of invoice value.
Line of Credit
Draw what you need, only pay for what you use. Revolving access for cash-flow gaps.
Bridge Funding
Short-term gap financing to keep momentum between larger rounds or contracts.
03 — Process
Four steps. Twenty-four hours.
From application to funded in a single business day. No paperwork piles, no weeks of waiting.
Apply Now — 60 seconds- 01
Apply in 60 seconds
Enter your business name and desired amount. No hard credit pull — your score stays untouched.
- 02
Upload 3 months of statements
Drop your last three months of bank statements into our encrypted vault. That's the core underwriting file.
- 03
Get offers in hours
A funding specialist returns within 4 business hours with matched offers across our 40+ lender network.
- 04
Funded in 24 hours
Sign digitally. Capital hits your account the next business day.
04 — Why CanLend
Built for merchants banks leave behind.
Traditional lenders move in weeks and demand perfect credit. We move in hours and look at your actual cash flow — the statements you already have.
Speed as a feature
From application to funding in a single business day for approved merchants.
Encrypted vault
Bank statements are encrypted in transit and at rest. Access is need-to-know only.
Cash-flow underwriting
We read your statements, not just your credit score. Strong cash flow wins.
No hard credit pull
Submitting an application never touches your credit file. Soft review only.
06 — Client Success Stories
Real merchants. Real funding.
Representative client experiences
$140K funded
"The process was shockingly fast. I uploaded three months of statements and had three offers before lunch. The cash advance paid itself back through our card sales without me thinking about it."
Whitfield Logistics
Dallas, TX
JW
James Whitfield$62K funded
"After two bank rejections, I assumed nobody would fund a restaurant. CanLend looked at our actual cash flow, not just a credit score, and we had working capital in 24 hours."
Saffron Kitchen
Vancouver, BC
PN
Priya NairRepresentative experiences shared by merchants funded through our lending partner network. Names, business details, and funding amounts have been modified to protect client privacy. Individual results vary based on business cash flow and product terms.
05 — FAQ
Questions, answered.
$
Ready for capital that keeps pace?
Sixty seconds to apply. Funding in as fast as 24 hours for approved merchants.