Merchant Cash Advance & Small Business Funding Across Canada

Q: How does the 2M7 funding process work?

The process is simple: submit a short application, and we review your business performance. Decisions are often made within 24 hours, and once approved, funds are deposited into your account within 24 hours.

Q: What makes 2M7 different from a traditional bank loan?

Unlike banks, 2M7 requires no collateral and charges zero interest. Approvals are based on revenue rather than personal credit alone, and repayments adjust with your business performance instead of following rigid monthly schedules.

Q: What can I actually use the 2M7 funding for?

Funding can be used for a wide range of expenses including managing cash flow gaps, purchasing inventory or equipment, covering payroll, marketing, or addressing unexpected operating costs.

These entrepreneurs reached out to 2M7

Here's what happened next

Shante Carpenter

Shante steered the family business through a shaky financial period

I think you guys are an amazing team. 2M7 has helped my family business in a much-needed time. Even though we were in a questionable situation, you guys helped us out and provided the financial support. Thank you so much, I would highly recommend you to everyone.

Ella Olsson

Ella eliminated the stress of dealing with multiple creditors

I found that using 2M7 Financial Solutions to be quite easy and less stressful than dealing with my creditors on an individual basis. I would recommend that if you have any financial issues to use 2M7.

Raul Íñiguez

Raul got priority treatment — and funding in no time

We had an excellent experience with 2M7. Feels like our case was treated as a priority — documents were collected, processed and we received the merchant cash advance in no time. When we need help, the 2M7 team is always available, takes our call promptly, and answers our queries.

‍

Mia Amella

Mia got the startup funding she needed — plus some helpful business advice

Jodi provided some great advice and provided a good deal for my startup. Couldn't recommend more. Clearly knows what she is doing and is great at getting her point across.

‍

Chris Clay

Chris got the funds he needed to keep up with cannabis sales

2M7 has been a key part of my cannabis retail company's success and our account representative, Neil, has gone above and beyond a number of times. The financing is relatively expensive but if your company is experiencing rapid growth and funding options are limited, then you may find it to be a great fit, as we have. Highly recommended.

‍

Isabella Alice

Isabella got multiple offers from other companies — and the BEST offer from 2M7

I was approached by numerous companies and after speaking with 2M7 they more than earned my business! Very professional team! They negotiated a much more affordable and convenient payment plan! I recommend them highly!"

‍

Steven Conville

Steven got a "yes" — when everyone else was saying "no"

They are not cheap!!! But as a lender of last resort, they are pretty damn amazing! I strongly recommend this company!!!!! For entrepreneurs, 2M7 can be a real asset to your business!!! They are fast, friendly, and helpful!!

Kotryna Žis

Kotryna got through a period of financial difficulty — with perfect clarity

2M7 greatly guided us through the entire process of funding for our small business. We’re extremely pleased with their clear explanations of what to expect and their steady commitment to helping us. I would, and have, recommended 2M7 to anyone who finds themselves in our previous position of overwhelming financial difficulties.

Brady Douglas

Brady got funds for his 6-month-old startup — within 24 hours of approval

Had the pleasure of dealing with 2M7 and Yakov, who helped our business get approved with funds in my account the next day. Greatly appreciate their help. Everything that we talked about was provided. Highly recommend for smaller Canadian businesses that might be in a pinch."

‍

How it works

The 2M7 system: no secrets, no surprises

Apply and get a call from a 2M7 representative. Get approved within 1 business day.

We show you the cost of capital upfront, before you sign. This is the ONLY cost to you, and you'll pay it off over time.

Funds hit your account within 24 hours

Pay it off with fixed or flex payments. NO surprises. NO hidden fees and NO interest.

Request a reload of funds, whenever. You can call your funding rep directly on their cell. If you're approved for more funds, we'll top you off within 30 minutes of your call.

Illustrated portrait of a 2M7 customer used alongside client testimonials

need construction funding? Decorative icon

80% of our customers ask for another round of funding — and get it

what customers love

Friendly payment plans

Cash flow can vary, even in a strong business. Choose to pay your balance flexibly as a percentage of sales — so when sales are down, payments are too.

get funded payment options

Text-a-rep for more funds

Once you're in, it's easy to get more funds. No hacking through a corporate phone tree. Text or call your funding rep, get the money 30 minutes later.

get funded customer stories

Early payoff rewards

Other companies penalize you for paying early — and keep right on charging interest. We reward good performance — with 10% off your balance.*

get funded compare to loans

Restrictions apply

Early payments must come directly from you, not from other funders.

Your account must be in good standing.

What is a 2M7 merchant cash advance?

Fees we refuse to charge

Brokerage fee

Renewal fee

Discharge fee

Upfront legal fee

Application fee

Origination fee

Interest expense

Monthly maintenance fee

Annual maintenance fee

Overdraft fee

Early repayment penalty

Collateral fee

Modification fee

Servicing fee

Underwriting fee

Closing costs

Documentation fee

Brokerage fee

Renewal fee

Discharge fee

Upfront legal fee

Application fee

Origination fee

Interest expense

Monthly maintenance fee

get funding without these fees Vector decorative icon

Use 2M7 funding for any business purpose

What have entrepreneurs done with 2M7 funding?

check out restaurant funding in canada >

A restaurant upgraded its kitchen equipment

Highly recommend 2M7 if you are planning any big purchases. They helped us get funding for the new kitchen equipment and we continue to upgrade our facility.

‍

A restaurant

An inventor kept his product on the shelf

Neil has been great to work with. Always responsive and helpful. We are a small business and maintaining inventory can be a challenge. These types of loans help keep product on the shelf.

‍

Visionary Hydroponics

A business rebounded from COVID

2M7 has been so wonderful to work with. Every employee I speak with is incredibly helpful and kind, they always answer my questions proficiently. I would never have been able to get back on my feet after COVID-19 if not for them and I am so grateful.

‍

Jenny Watson

A boutique retailer expanded her store

I am a small business owner that just recently expanded and was struggling to find funding. 2M7 came through and has been wonderful to deal with.

‍

Morgan Lowe

A manager executed a quick demolition project

We need funds for a demolition project for our office. These guys got it done in less than 24 hrs.”

‍

Sean Morales

A fashionista produced her very own line

I was able to bring my designs into production and my business is now a success. The application process was simple and straightforward and approval time was outstanding!

Nicole

A talent agency filled last-minute gaps

These guys are great to work with. We have been working with them for 2 years . They have helped us out in many last minute projects. The funds come within 24 hours! There is no headaches!

‍

M Models and Talent Agency Toronto

3 reasons it makes sense to apply right away

Bad credit doesn't kill it

We take your credit score into account, but also look at other factors, like monthly revenue. So even if you have bad credit, you still have a chance.

You never pay interest

Pay a fixed cost for your funding no matter how long it takes to pay off. It's a more straightforward way to pay for your funds, just like you pay for any other product or service.

Never wait more than a day

We don't require heavy-duty documentation to process your application. We only ask for 3 things, and we review them immediately so you get a "yes" or "no" quickly.

apply now Compare 2M7 to other merchant cash advance funders

What is 2M7 and how do you help Canadian businesses?

2M7 is a Canadian alternative small business funding provider that helps businesses access fast working capital without relying on traditional bank loans. We offer flexible funding solutions designed for real-world cash flow needs, not rigid lending criteria.

Unlike traditional brokers, we fund businesses directly from our own account, offering a Merchant Cash Advance with 24-hour approval and no hidden fees. Our approval decisions focus on business performance rather than personal credit scores, allowing many businesses to qualify even when banks say no.

Our goal is simple: provide Canadian business owners with a practical, transparent loan alternative that supports growth, cash flow stability, and operational flexibility.

Who is eligible for funding with 2M7?

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 believe your future potential is more important than your past, so we offer a high approval rate even for those with less-than-perfect credit.

Funding is designed specifically for established businesses seeking flexible working capital solutions. Check your eligibility and Get Funded today.

How does the 2M7 funding process work?

The 2M7 funding process is designed to be significantly faster and simpler than traditional bank financing.

After submitting a short application, our team reviews your business performance rather than relying solely on personal credit scores or collateral. In many cases, approval decisions are made within 24 hours.

Once approved, funding can be accessed quickly, allowing businesses to address cash flow needs without long delays or complex paperwork. Unlike bank loans, the process does not involve lengthy underwriting or rigid lending requirements.

What makes 2M7 different from a traditional bank loan?

2M7 differs from traditional bank loans in how funding is approved, structured, and repaid. Banks typically require strong personal credit, collateral, extensive documentation, and long approval timelines. Repayments are fixed and must be made regardless of how your business is performing.

2M7 offers a Small Business Loan Alternative that requires no collateral and charges zero interest. Approvals are often completed within 24 hours, requirements are minimal, and funding is based on your business’s revenue rather than personal credit alone. Repayment adjusts with business performance instead of following rigid monthly loan schedules.

This structure allows business owners to access capital faster and manage cash flow more effectively compared to traditional bank financing.

What can I actually use the 2M7 funding for?

2M7 funding can be used for a wide range of legitimate business expenses.

Many business owners use the funds to manage cash flow gaps, purchase inventory or equipment, cover payroll, or handle seasonal fluctuations. For example, some clients utilize retail funding to stock up for peak seasons, while others secure construction funding to cover materials and labor before a project payout.

There are no narrow spending restrictions tied to specific categories, allowing businesses to allocate capital where it is needed most.

Small business funding with a faster track to YES

We inject cash into small business

2M7 makes it easier to get funded

We are a (fiercely) independent funder, NOT a broker