Merchant Cash Advance in Montréal, QC

Merchant Cash Advance in Montréal, QC — Voxen Capital

Voxen Capital arranges merchant cash advance for businesses in Montréal, Québec. Typical amounts $10K–$1M, funded in 24–72 hours. Working capital based on future revenue. Approved on cash-flow strength, not credit score.

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About Montréal

Bilingual financial hub with strong manufacturing, transportation, life sciences, and creative-industry SMB activity.

What is local to Montréal

Since May 20, 2026, the City's "Secteurs en chantier" program has supported retail and consumer-service businesses beside public works that last three months or more and block car traffic: $5,000 per location, then up to $40,000 per fiscal year based on lost gross profit when it drops by more than 5%, claimable up to 24 months after the work ends. Sales fall during the work and the aid comes later; an advance sized on the card sales the business still has can bridge that gap.

The Port of Montréal, the largest container port in Eastern Canada, connects to more than 140 countries and handled 17.7 million tonnes in the first half of 2026, including 790,000 TEU of containers. Montréal International says Greater Montréal holds 60% of Canada's aerospace workforce, with 230+ businesses and 43,000+ jobs.

Commonly used for

Seasonal cash-flow gaps
Inventory or marketing pushes
Businesses with credit challenges but strong deposits

Eligibility in Québec

Business operating in Canada for 4+ months (some lenders 6+ months)
Minimum $10,000–$15,000/month in business bank deposits
A business bank account in the company name
Owner is a Canadian resident with valid government ID
No active bankruptcy or active consumer proposal

Documents required

3–6 months of business bank statements
Government-issued photo ID for the owner
Void cheque or pre-authorized debit form
Business registration / articles (if requested)

Public help for Montréal businesses

PME MTL: local project funds for Montréal businesses, Fonds PME MTL and FLS Montréal.
Secteurs en chantier, Ville de Montréal: aid for businesses beside major public works, in force since May 20, 2026. Contact Affaires Montréal at 514 394-1793.
ESSOR Volet 2, Investissement Québec, Montréal office at 1001, boulevard Robert-Bourassa: productivity and expansion projects of $100,000 or more. Intake can be suspended without notice when funds run out.
Regional Tariff Response Initiative, Canada Economic Development for Quebec Regions (CED): accepting applications. Non-repayable liquidity aid of up to $2 million, roughly 50% of average monthly payroll for up to 12 months, for businesses with at least $1 million in annual revenue.

At a glance

Typical range	$10K–$1M
Speed to funding	24–72 hours
Market	Montréal, Québec

Sources, checked October 25, 2026

Frequently asked questions

Who qualifies for merchant cash advance in Montréal?

Merchant Cash Advance in Montréal is typically available to incorporated or registered businesses operating in Québec with consistent business banking activity. Working capital based on future revenue. Approved on cash-flow strength, not credit score.

What is the typical funding amount and speed?

Typical range is $10K–$1M, funded in 24–72 hours after a complete file. Final amount depends on revenue, time in business, and use of funds.

Is merchant cash advance regulated differently in Québec?

Since June 1, 2023, a standard-form contract offered to a business in Québec must first be given in French. The parties can be bound by another language version only after that, if they expressly choose it, and no fee can be charged for the French version.

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