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• How fast can I get a business loan in Canada? — Funding speeds in Canada range from 24 hours (merchant cash advance, short-term working capital) to 2–4 weeks (term loans, acquisition financing). Voxen Capital funds most…
• Can I get a business loan with bad credit in Canada? — Yes. Canadian alternative lenders approve businesses with credit scores as low as 500 when cash flow and revenue support the request. Personal credit is one input, not the…
• What is the minimum monthly revenue to qualify for a business loan in Canada? — Most Canadian alternative lenders require $10,000–$15,000 in average monthly deposits. Bank financing typically requires $250,000+ in annual revenue and 2 years of operating…
• Do I need collateral to get a business loan in Canada? — Not always. Working-capital products (MCA, short-term loans, lines of credit under ~$250K) are typically unsecured. Equipment financing is secured by the equipment. Larger term…
• What does a merchant cash advance actually cost in Canada? — MCAs are priced using a factor rate, typically between 1.15 and 1.45. A $100,000 advance at a 1.25 factor means total repayment of $125,000. Effective APR varies with the term but…
• What is the difference between a factor rate and an APR? — A factor rate is a multiplier showing total repayment (e.g. 1.25 = repay 125% of the advance). APR annualizes the cost of borrowing. The same factor rate can imply very different…
• How much can my business borrow in Canada? — A common rule of thumb is 1.0×–1.75× monthly revenue for working-capital products. A business doing $80K/month in deposits can typically access $80K–$140K. Term loans and…
• What documents do I need to apply for a business loan in Canada? — For most working-capital products: 6 months of business bank statements, government ID, void cheque, and basic business info. Larger or longer-term financing also requires…
• Can a brand-new business get financing in Canada? — Yes, but options are narrower. Startups under 6 months typically access equipment financing, secured lines of credit, government-backed programs (CSBFP), or financing tied to a…
• How do I finance a business acquisition in Canada? — Most Canadian SMB acquisitions are funded with a stack: senior bank debt or alternative term debt (50–70%), seller financing (10–25%), buyer equity (10–25%), and sometimes…
• MCA or business line of credit — which is right for my business? — A line of credit is cheaper and more flexible if you qualify. An MCA is faster, easier to qualify for, and useful for short-term capital with clear ROI. Many businesses use both…
• What is Voxen Capital? — Voxen Capital is a Canadian alternative financing advisory firm that structures and places business financing — MCA, lines of credit, factoring, equipment, bridge, term, and…

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