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Stacking Merchant Cash Advances: Why a Second Advance Is Usually the Wrong Answer

Stacking means taking a second merchant cash advance while a first one is still being repaid. Sometimes a third. It is one of the most common ways a business that was merely short of cash ends...
Small business owner using a laptop to explore government loan programs in Canada.

Merchant Cash Advance in Quebec: A Provincial Funding Guide for Montreal, Quebec City and Beyond

Quebec has more small businesses than any province except Ontario, and a funding market that behaves differently from the rest of the country. If you run a business in Montreal, Quebec City, Laval, Gatineau or anywhere...

Business Line of Credit in Canada: How It Works, What It Costs, and How to Qualify

A landscaping company in Barrie came to us last spring with a problem that had nothing to do with sales. Their order book was full. Their bank account was empty. Every March they burned cash on...
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Best Business Bank Accounts for Small Businesses in Canada (2026)

We read business bank statements for a living. Every funding application that crosses our desk comes with six to twelve months of them, and after ten years we can tell you something no bank comparison site...
MCA

Merchant Cash Advance Ontario: A Provincial Funding Guide for Toronto, Ottawa, and Beyond

Ontario has the largest small-business economy in the country. The federal government's Key Small Business Statistics counted 410,154 small-employer businesses here as of December 2024. Not to mention the province holds close to 40 percent of...
Merchant Cash Advance

Merchant Cash Advance British Columbia: A Provincial Funding Guide for Vancouver, Victoria, and Beyond

British Columbia has one of the highest numbers of small businesses per person in Canada, according to the provincial Small Business Profile. And these businesses are not alike.  For example, the coast leans on tech and...