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THE IDEAL ALTERNATIVE TO SMALL BUSINESS LOANS IN CANADA

Small business loans stink

There's a better way to fund your business
discover the 2m7 wayapply for business funding now
5,000+
small businesses funded
$650M+
in funding issued to date
16+
years in business
75%
approval rate
highest in Canada

Banks are in the
business of protecting
their own backsides

Banks are in the
business of protecting
their own backsides

That means they will ONLY lend you money if you
Have a personal credit score of 680+
Have been in business at least 3+ YEARS
Can submit 7+ financial records proving that your business is financially stable
Can offer collateral (like property, equipment, inventory or vehicles) at least equal in value to the loan amount you're seeking.
In short, banks only want to lend money to those businesses who need funds the LEAST.
apply for alternative funding with 2m7
What's the alternative to the small business loan?

A merchant cash advance from 2M7

Like a small business loan, a merchant cash advance injects needed funds into your business. UNLIKE a loan, you won't pay any interest or get screwed by hidden fees.
How it works
1
1. Qualifying businesses apply to us for funding. We're an independent funder, not a broker. It's our money we're sending. You're welcome.
2
We'll show you upfront what your cost of capital will be. This is ALL you pay for your funds, and you pay it out over time. Unlike a line of credit, NO collateral is required.
3
We'll show you upfront what your cost of capital will be. This is ALL you pay for your funds, and you pay it out over time. NO collateral is required.
4
If you need additional funding, you can contact your rep any time. You don't need to submit any more paperwork — we just look at your existing account. If you're approved, you can have the funds within 30 minutes of your call.
Get the small business Loan alternative
As featured in:
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.

Compare:
Bank loan vs 2M7

HOW LONG IT TAKES
WHAT THEY WANT FROM YOU
HOW BAD CREDIT IS TREATED
How long banks take
7+ weeks
(54 Days)
How long 2M7 takes
1 day
(If you're approved, funds hit your account within 24 hours)
What banks want from you
P & L statements from the last 3 fiscal years
Business tax returns for the last 3 fiscal years
Personal tax returns for the last 3 fiscal years
Personal financial statements for the last 3 fiscal years
Ownership and affiliations disclosures
Loan application forms
Collateral worth at least the loan amount you're seeking
Your firstborn child 😈
What 2M7 wants from you
Bank statements from the last 3 months
Photo ID
Void cheque
How banks treat bad credit
100% chance of rejection
How 2M7 treats bad credit
How bad? You could still get approved. We look at the full picture, including monthly revenue. If you have bad credit but great revenue, reach out. We may be able to fund you.
apply for funding

We've kicked the devil out of the details

Term loans can be structured deceptively with many hidden fees. We offer funding with ONE simple cost, NO surprises.
Bad terms from Big Hairy Term Loans
Decode your fees on a term loan by cracking open 25+ phrases in financial gibberish
Good terms from 2M7
Understand your merchant cash advance from 2M7 with 4 simple terms
apply for funding
Mitch Heft
Open and honest

As a first time user of the service Neil was fantastic, open and honest and easy to deal with . Highly recommend this company.

apply for funding

How to qualify

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

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 nowCompare 2M7 to others funders who shall not be named
NO COLLATERAL REQUIRED
NO COLLATERAL REQUIRED
NO COLLATERAL REQUIRED
NO COLLATERAL REQUIRED
NO COLLATERAL REQUIRED
NO COLLATERAL REQUIRED
NO COLLATERAL REQUIRED
NO COLLATERAL REQUIRED
NO COLLATERAL REQUIRED
NO COLLATERAL REQUIRED
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The truth about small business loans
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