CMCA review

Updated September 28, 2026 · BorrowCue Editorial Team · Facts checked September 26, 2026

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Our verdict

CMCA lends directly to Canadian businesses that need cash moving inside a day, with borrowings of CAD 5,000 to CAD 100,000 and funding on approval the same day. It suits established traders who can show recent banking statements, not shoppers after a small personal loan or a soft credit check.

Key facts

Best for
Canadian trading businesses that need same-day funding despite a blemished credit file.
Loan amount
CA$5,000 to CA$100,000 (Source, checked September 26, 2026)
Credit check
Hard (Source, checked September 26, 2026)
Funding time
Same day funding upon approval, within 24 hours (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Eligibility
1 year in business minimum, commercial business address required, 3 months of latest banking statements (Source, checked September 26, 2026)
Loan types
Business, Credit-line, Debt-consolidation (Source, checked September 26, 2026)
Credit needed
Poor (Source, checked September 26, 2026)
Legal entity
CMCA Canadian Merchant Cash Advance, LLC (Source, checked September 26, 2026)
Headquarters
Canada (Source, checked September 26, 2026)
Support channels
Email, Phone, Help-centre (Source, checked September 26, 2026)
Features
Same-day funding, Credit line
Official website
canadianmerchantcashadvance.ca

Apps and profiles

Elsewhere
facebook.com

Pros and cons

Pros

  • Money moves fast, with Same day funding upon approval, within 24 hours.
  • It works with poor credit on file.
  • The range in business, credit line and debt consolidation covers a lump-sum loan, a credit line and debt consolidation.
  • You deal with the funder itself, not a middleman: direct lender.

Cons

  • The credit check is hard, which lands on the business file.
  • Support runs on email, phone and help centre only, with no counter service listed.
  • Applicants need a minimum time trading, a commercial business address and recent banking statements.
CMCA

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Scored 9.3 / 10 by BorrowCue.

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Who it suits

  • Canadian trading businesses that can show a commercial address and recent statements.
  • Owners whose credit file is imperfect but whose cash flow is steady.
  • Businesses that want a credit line alongside a standard business loan.

Who should look elsewhere

  • Anyone after a small personal loan rather than business finance: Cashspace offers amounts of PHP 500 to PHP 25,000.
  • Borrowers in a euro market: Creduma ES offers amounts of from €12,000.
  • Larger facilities, where Sofkredit offers amounts of €12,000 to €300,000.

Who runs it

CMCA trades as CMCA Canadian Merchant Cash Advance, LLC and is based in Canada. Applications and the resulting loan sit with that same legal entity, so questions and paperwork go to one desk rather than a chain of introducers. Contact runs through email, phone and help centre instead of a branch counter.

How CMCA compares

Where CMCA is available

Available
Canada

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

How much can I borrow from CMCA?+

Business borrowings run CAD 5,000 to CAD 100,000, and the same range covers a single advance or a larger facility. Every product in business, credit line and debt consolidation, from a business loan to a credit line and debt consolidation, is sized inside that range.

How quickly does the money arrive?+

CMCA funds the same day an application is approved, and Same day funding upon approval, within 24 hours describes the timing for approved deals. Same-day funding also appears among the same day funding and credit line the company lists, so speed is central to how it pitches.

What credit check does CMCA run?+

It runs a hard credit check, the more thorough kind, and that result sits on the business file. The level of credit required is poor, which means an imperfect history is workable rather than an automatic refusal.

Who can apply?+

You need a business that has been trading for a minimum period, a commercial business address and your latest banking statements. The lending is aimed at companies, not individuals, and everything in business, credit line and debt consolidation is built around trading activity.

Who holds the money and how is the loan made?+

The lender is CMCA Canadian Merchant Cash Advance, LLC, based in Canada, so the company you apply to is the company that funds the account. Read the terms of use for that entity to see the repayment terms before signing anything.

How do I get help with the account?+

Support runs on email, phone and help centre, which covers email, phone and a help centre. No counter service is listed, so the account is handled remotely, which suits owners who would rather deal with paperwork and questions online or by phone.

Can I have a credit line rather than a loan?+

A credit line is one of the same day funding and credit line CMCA lists, and it also appears in business, credit line and debt consolidation next to business lending and debt consolidation. That combination suits businesses whose monthly revenue rises and falls and who want a facility rather than a fixed advance.

Can I use CMCA to consolidate business debt?+

Debt consolidation is listed among business, credit line and debt consolidation, so several existing balances can be replaced with one facility. The hard credit check still applies, and the facility stays within CAD 5,000 to CAD 100,000.

Sources

  • canadianmerchantcashadvance.ca checked September 26, 2026

    Backs: Funding time, Support channels

    “Same day funding upon Approval”

  • canadianmerchantcashadvance.ca/about-us checked September 26, 2026

    Backs: Headquarters, Lender type

    “Headquartered in Montreal, CMCA has been recognized by customers and the industry as one of the most reliable and respected names in small business financing”

  • canadianmerchantcashadvance.ca/apply-now checked September 26, 2026

    Backs: Eligibility

    “1 year in business minimum; Commercial business address required ... Provide 3 months latest banking statements”

  • canadianmerchantcashadvance.ca/faq checked September 26, 2026

    Backs: Credit needed

    “What if I have bad credit? Our approval process takes into account various factors.”

  • canadianmerchantcashadvance.ca/our-services checked September 26, 2026

    Backs: Loan amount, Features, Loan types

    “From $5,000 to $100,000 Cash Advance”

  • canadianmerchantcashadvance.ca/terms-of-use checked September 26, 2026

    Backs: Credit check, Legal entity

    “Information CMCA receives from third party credit and background reporting agencies whom it contacts to verify merchants' credit history”

Compiled from 6 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: APR, Term, Arrangement fee, Representative example.

CMCA

CMCA

Canadian trading businesses that need same-day funding despite a blemished credit file.

9.3/10See alternatives

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