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2M7 is a Canadian alternative small business funding provider that helps businesses access fast working capital without relying on traditional bank loans. We fund businesses directly from our own account and offer a Merchant Cash Advance with 24-hour approval and no hidden fees.
We support Canadian small businesses that have been operating for at least 3 months and generate a minimum of $15,000 in monthly revenue. We focus on business performance rather than personal credit.
After submitting a short application, our team reviews your business performance. Approvals are often made within 24 hours, and funding can be accessed quickly without lengthy underwriting.
We offer a small business loan alternative with no collateral, zero interest, and flexible repayment that adjusts with business performance.
Funding can be used for inventory, payroll, equipment, seasonal cash flow gaps, construction materials, and more. There are no narrow spending restrictions.
A Merchant Cash Advance is an alternative to traditional financing where we provide a lump sum of capital in exchange for a portion of your future sales.
It is not a loan, so there is no interest rate. Instead, you pay a fixed cost of capital, making it a flexible way to secure fast working capital.
Repayments are designed to stay in sync with your business’s cash flow.
You can choose a “Pay as You Grow” model where repayments are a small percentage of your daily sales. When sales are slower, payments decrease, and when business is strong, repayment happens faster.
No. Unlike most bank products, our merchant cash advance requires no collateral.
You are not asked to put your property, equipment, or personal assets at risk. We evaluate your business based on revenue and performance.
Yes. We often provide top-ups to merchants who need additional capital before their current advance is fully repaid.
This flexibility makes a merchant cash advance a strong line-of-credit alternative for businesses with fluctuating needs.
“Pay as You Grow” means repayments are collected as a small percentage of daily sales.
A fixed schedule involves a set daily or weekly amount. We help you choose the best fit during the Get Funded process to ensure your cash flow remains healthy.
Traditional loans often require years of financial records and weeks of waiting. Our Small Business Loan Alternative is designed for speed and accessibility, offering a 97% approval rate and funding in as little as 24 hours.
Yes. While banks may reject you based solely on a credit score, 2M7 looks at the full picture of your business. We believe The Truth About Small Business Loans is that your current performance matters more.
Never. One of the core pillars of our Manifesto is 100% transparency. You will never pay interest or hidden fees.
Unlike most banks, our Merchant Cash Advance is based primarily on your business’s future sales performance.
Once you are approved, funds are sent immediately. Most clients see the capital in their account by the next business day, as explained in The truth about small business loans.
A traditional line of credit often requires collateral and monthly interest payments on the balance. Our Line of Credit Alternative provides the same liquidity benefits without the interest or the need to pledge assets. It is a faster, easier way to keep your business moving.
Once you are an established 2M7 customer, getting more funds is as simple as a phone call or text. We can often "top off" your account within 30 minutes of your request, without any new paperwork. This provides the flexibility of a line of credit with the funding through 2M7 designed to be fast.
In many cases, approval decisions are completed within 24 hours of submitting a complete application. Once approved, funds are made available shortly thereafter, allowing business owners to respond quickly to cash flow needs or time-sensitive opportunities.
Timelines can vary based on business details, but the process is substantially faster than traditional bank financing. Apply Now.
No. Unlike banks that may charge annual or maintenance fees just to keep a line of credit open, we only charge a one-time cost of capital when you actually receive funds. You can read more about our transparent fee structure on our Merchant Cash Advance page.
Absolutely. Because our process is built for speed, it is the perfect solution for urgent needs like a broken delivery truck or a malfunctioning HVAC unit. Many contractors use us as their primary Construction and trade business funding source for this very reason.
We skip the weeks of paperwork and financial audits. By focusing on your recent bank statements and revenue, the experts you will meet on our Meet the team page can provide an answer in hours, not weeks.
When you apply with 2M7, you are not just a number in a queue. You will be paired with a dedicated account executive who understands the unique challenges of your business. Our Meet the team page introduces you to the experts who will be handling your file from start to finish.
Yes. Our team has experience across hundreds of sectors, from Construction company funding to retail and logistics. We pride ourselves on having a team that understands the "boots on the ground" reality of running a business in Canada.
Absolutely. We believe in building long term relationships. Once you are part of the 2M7 family, your dedicated rep is your point of contact for any future needs. This level of personalized service is a core part of our Manifesto.
Transparency is our top priority. Our team is trained to provide clear, upfront information about costs and terms. We are committed to providing The truth about small business loans so you can make the best decision for your company’s future.
Our team moves at the speed of your business. We aim to provide a response within hours of receiving your application. This efficiency allows you to Get Funded and get back to what you do best without the long wait times of a traditional bank.
