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E-commerce

Financing built for how E-commerce businesses grow

Access fast, flexible funding to invest in inventory, advertising, and growth — without slowing down your business.
Funding up to
$1M
Application time
5 min
Funding as fast as
6 hrs
Businesses Supported
15,000+
Featured in
Operational growth

Financing for small businesses in the E-commerce industry

As we continue to move to a technology first world, e-commerce platforms have never been more important. Merchant Growth has seen the growth in demand in this market and have developed products that fit the needs of e-commerce businesses providing. Just like how you provide an optimized and convenient experience to your customers, we do the same with our Term Financing solution and Line of Credit.

With no collateral needed and no hidden fees, we’ll get you your funds in 24 hours! You can then choose to repay on a daily or weekly basis.

Common needs

How Can a E-commerce Business Use the Funding?

You can use your financing to take advantage of inventory deals, ramp up your ad spend, do some social media marketing, pay for e-commerce enhancements, and more.

E-commerce sites typically rely on credit card processing as their main form of payment which means there may be slower times for your business. An additional injection of capital from Merchant Growth allows you to make sure you have the necessary cash flow to continue to run and grow your business during those times. We have seen a number of our clients in the e-commerce industry use our funds for a number of reasons such as the following:

  • Inventory
  • Website refresh
  • Advertising
  • Promotions
  • New product launches
How it works

Funding made simple

Apply in minutes online or over the phone
A short application — about five minutes. No long forms or branch visits.
We'll help you find the right financing solution
A real person works with you to match the structure to your business goals.
Access funding in as little as 6 hours
Once approved, funds are deposited so you can move on what's next.
Trusted by operators

Trusted by Canadian businesses moving fast

2.1×
Inventory ahead of Black Friday
"Merchant Growth has provided us with an opportunity to expand our business more rapidly than we otherwise might have been able to and allowed us to keep our personal funds freed up for other purposes."


Jim Southam
President & CEO – Prairie Cannabis Ltd.
+47%
Q4 revenue vs. previous year
"We approached Merchant Growth and very quickly we were able to establish our financial health and they agreed to provide us the necessary capital to grow our business. They were able to see the opportunity that we were seeing that traditional banks would not fund"
Samim Aminzadah
Owner - Blowers Grafton
6 hrs
From approval to deposit
"On behalf of all of us at Urban Concierge Services I want to extend my thanks for the loans you have provided us. Having access to these funds provided us a financial platform to grow our clientele, refine our operations, and adapt to our rapidly changing industry."
Christopher Gunn
Founder of Urban Concierge Services
Eligibility Check

See your business funding options

Answer a few quick questions to check your eligibility. No impact on your credit score.
Eligibility Calculator

Soft check only — no impact on your credit score.

Secure application
No obligation
Fast review process
Trusted by Canadian businesses
Merchant Growth Ltd. is a registered Canadian financial services provider. Eligibility is not a guarantee of funding; final offers depend on business performance.
Merchant Growth Ecosystem

A complete system for the way you actually grow.

From funding to tools to insights — everything works together to support your next step.
“Merchant Growth wasn't just a lender, they were a partner. We secured $150k in less than 48 hours, allowing us to triple our inventory before the holiday season.”
Emma Marchetti
Founder · DTC apparel
Ready to unlock
your growth?
Apply in 2 minutes

Ready to unlock
your growth?

Join thousands of merchants who chose smarter funding. Apply in minutes.
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FAQ

How do I apply?

Applying is quick and easy. The application takes less than 5 minutes to complete. Click the “Apply Now” button on our homepage to get started. We’ll ask for some basic information about you and your business, and securely connect to your business bank account to review your revenue.

Is there a fee to apply?

No. Applying is completely free, with no obligation. You’ll see all available options before making any commitments.

Do you do a credit check?

Yes. We conduct a soft credit inquiry on the business owner, which does not affect your credit score. We only perform a hard credit check if you decide to move forward with funding.

How do I know if I’m eligible for business financing?

To qualify, your business must:

  • Be located in Canada
  • Have been operating for more than 6 months
  • Generate at least $10,000 in monthly revenue
How long does it take to process my application?

On average, applications are processed within 6–24 hours.

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