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Software as a Service (SaaS)

Financing built for how Software as a Service (SaaS) businesses grow

Use our flexible SaaS financing solutions to reach your cloud business development goals
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 Software as a Service (SaaS) industry

Across economic sectors, more and more companies are embracing the flexibility, accessibility and affordability of the SaaS business model. To help your SaaS company capitalize on this trend, Merchant Growth provides a variety of financing options that offer convenient access to the growth capital that you need in order to reach new customers and improve your services.

Merchant Growth has developed products that fit the needs of SaaS businesses, including our Term Financing solution and Line of Credit. With fast access to working capital, business can repay daily or weekly. There are no collateral requirements, no hidden fees, just straightforward Saas finance solutions.

Common needs

How Can a Software as a Service (SaaS) Business Use the Funding?

Many small and medium-sized SaaS companies don’t have access to equity financing, but it’s important to have reliable access to capital in order to seize opportunities as they present themselves.

Our SaaS financing solutions offer convenience and reliability with funds when your business needs them. We have helped SaaS companies across Canada bolster their businesses with financing to invest in:

  • Sales and marketing campaigns
  • Social media advertising
  • Hardware upgrades
  • Hiring new staff
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.
Get financing

FAQ

How do I apply?

Applying is quick and easy. The application takes less than 5 minutes to complete. Click the “Get Financing” 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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