Why does 2M7 emphasize being "fiercely independent"?

Independence means we answer to our clients, not to bank shareholders or outside investors with rigid rules. This freedom allows us to provide a Small business loan alternative that actually works for the unique reality of Canadian entrepreneurs.

What is the core mission of 2M7?

Our mission is to eliminate the "red tape" that prevents healthy businesses from growing. We believe that speed and transparency are the most important factors in funding.

Small Business Funding Canada: Our Mission & Manifesto

In retail, timing is your most valuable asset.

Retail Inventory and Growth Funding

Scale Your Shop Without the Cash Flow Stress

Whether you need to secure a massive shipment for the holiday rush, refresh your floor for a new season, or jump on a bulk discount from a supplier, you need access to capital exactly when the opportunity arises.

Traditional banks often fail to account for the cyclical nature of retail. At 2M7, we understand that your cash is often tied up in the products sitting on your shelves.

2M7 provides fast, revenue based funding for Canadian retailers who need to turn inventory into growth without the long wait times of a traditional loan.

What Retailers use 2M7 Funding For

Stocking up on inventory ahead of peak seasons like Black Friday or the holidays
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Taking advantage of bulk purchase discounts or limited time supplier offers
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Investing in store renovations, signage, or improved window displays
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Launching targeted digital marketing campaigns to drive foot traffic
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Managing seasonal payroll during your busiest sales cycles
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Upgrading e-commerce platforms or in store POS hardware
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Why Revenue Based Funding Works for Retail

Retail businesses live and breathe by seasonal trends. A fixed monthly payment can be a heavy burden during your slower months when you are preparing for the next big rush.

Revenue based funding is built for the retail cycle. Instead of a rigid monthly bill, your repayment is tied directly to your daily sales volume.

When your store is busy and sales are high, you pay more; when the floor is quiet between seasons, your payments naturally decrease. This ensures your debt never outpaces your actual income.

Vincent Pinzone

Great product with the opportunity to get additional capital

2M7 is a very strong lender. They are able to get my clients approved on a regular basis. They have a great product that allows merchants the peace of mind of knowing that they will be given the opportunity to get additional capital at different intervals throughout the loan duration.

Can I use an advance to pivot my inventory for the holiday season?

Inventory is the lifeblood of retail. Use the funds to stock up early. Many retailers find this easier to manage than a Small business loan alternative because the repayment scales with their peak sales months.

How does retail funding help with opening a second location?

Opening a new store requires significant upfront capital for rent and fixtures. You can learn about our mission to help businesses scale by reading our Manifesto.

Is the application process going to take me away from my store?

We know you are busy on the floor. Our Get Funded process is streamlined and digital, so you can apply in minutes without leaving your shop.

What is the main advantage of an MCA over a retail bank loan?

Speed and flexibility. Most banks are hesitant to fund retail due to "high risk," but we explain why those myths exist in The truth about small business loans.

Can I use the money for a digital marketing campaign for my boutique?

Marketing is a great use of capital. To see how our team has helped other retailers grow their brand presence, visit our Meet the team page.

How to qualify for funding

Your business is located

IN CANADA

You’ve been operating at least

3 MONTHS

Your revenue is at least

$15,000/MONTH

And you have no open bankruptcies

YES, YES, AND YES - approve me for funding

Your payments adjust with your daily card sales. Strong days pay more, slower days pay less. No fixed due dates during seasonal dips. 2M7 is designed to move with your business.

Fast Decisions for Fast Moving Markets

In the world of retail, a delay of two weeks can mean missing an entire seasonal window.

We offer approvals frequently within 24 hours, prioritizing your actual sales performance over a traditional credit score. Once approved, the funds are delivered quickly so you can secure your inventory and get it onto the floor immediately.

No hidden fees

Transparency is vital when you are calculating your margins. You will see the total cost of your funding upfront, with no hidden surprises.

There is no interest, no administrative fees, no early repayment penalties, and no collateral required. The amount you see at the start is exactly what you pay, making it easy to track your ROI on every inventory purchase.

2M7 helps You Grow Your Brand

If you need to fill your shelves, expand your reach, or bridge the gap between seasons, 2M7 is here to provide the fuel for your retail growth.

meet our team apply for funding