ACMI MERCHANT CASH ADVANCE
Fast, Cash-Flow Based Working Capital for Canadian Small Businesses
Access $5,000 to $30,000 CAD in revenue-based funding without the delays, complex paperwork, or rigid collateral requirements of traditional bank financing.
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Funding in as little as 1 to 3 business days
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Quote within 24 hours of your bank statements
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100% direct funder: no brokers, no middlemen
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Only 6 months in business required, no asset collateral
Prefer to talk? Call us
1–3 days
To funds, once approved and signed
24 hours
To your quote
6 months
Minimum time in business
1–8 months
Short-term structure
Why Choose Azad Capital?
100% Direct Funder
Deal directly with the balance sheet holder—no brokers, no middlemen, and no added syndication fees. You get direct access to our underwriting decision-makers.
Accessible Eligibility
Only 6 months of operational history required to qualify—no years of financial statements needed.
Flexible Short-Term Structure
Terms ranging from 1 to 8 months tailored to your cash flow cycle.
Transparent Pricing
Clear, upfront factor rates. You know your total payback amount before accepting an offer.
Bad Credit? No Problem
Personal credit scores are secondary—our underwriting focuses primarily on your business’s cash flow, daily revenue, and bank balance history rather than traditional credit checks.
Fast Approval & Funding
Simple email intake with funding in as little as 1 to 3 business days.
Sales-Proportional Repayments
Daily or weekly remittances automatically scale with your sales volume—typically capped at 15% of gross daily sales.
No Asset Collateral Required
Qualification is based on your daily bank deposits and revenue history, not fixed collateral assets.
Who We Serve
Our funding programs are built for revenue-generating Canadian businesses with at least 6 months of operating history across a wide range of industries:
Healthcare, Medical & Wellness: Medical clinics, dental practices, pharmacies, optometry practices, therapy centers, and eldercare providers needing funds for specialized equipment, inventory, or billing cycle bridges.
Retail Stores & E-Commerce: Stock purchasing, seasonal inventory expansion, and supplier advance payments.
Restaurants, Bars & Hospitality: Kitchen equipment upgrades, dining room renovations, and food distribution costs.
Trades & Specialty Contractors: Tool purchases, upfront material deposits, and working capital between client billing cycles.
Auto Repair & Transportation: Fleet maintenance, machinery upgrades, and shop expansion.
Professional & B2B Services: Marketing campaigns, temporary staffing, and operational buffers.
How It Works
STEP 1
Request Prequalification
Complete the short form above, or email sales@azadcapital.com, to request prequalification and a customized quote.
STEP 2
Submit Statements
Send over your 6 most recent months of corporate bank statements so our underwriting team can evaluate your daily cash flow.
STEP 3
Receive & Review Your Quote
We issue a transparent funding offer outlining your total repayment amount, factor rate, and payment schedule within 24 hours.
STEP 4
Get Funded
Once approved and signed, funds are transferred directly into your business account in 1 to 3 business days.
Common questions
Ready to Access Capital?
Or email sales@azadcapital.com · +1 (647) 547-2241 · ACMI MCA Team
Subject to underwriting approval. Amounts, terms and pricing vary by business and are set out in your agreement.