Business financing, clearly explained

Compare the product. Then the provider.

Start with the country, then distinguish merchant cash advances from loans and credit lines. Do not compare a factor rate with an annual interest rate as though they were the same.

Published by a broker that may earn commissions. Alphabetical educational listings, not a whole-market ranking. Listing does not imply a lending relationship, endorsement or availability through Mehmi.

CAD

Canadian MCA and loan providers

Five published provider routes, with product distinctions and questions to ask before accepting an offer.

USD

U.S. MCA and loan providers

Five published provider routes, with actual-provider and state-availability cautions.

Looking for UK guidance?

Read the UK structure comparison and country guide. This directory does not currently rank or list UK MCA providers.

Choose by cash pattern, not by the biggest advertised amount
Structure	A question it can help answer	What to check
Business term loan	Is there a defined, one-time cash requirement?	Total payments, term, fees, guarantees and early settlement.
Business line of credit	Does the balance rise and fall with repeated gaps?	Draw charges, repayment rules, reviews and usable availability.
Merchant cash advance	Can collections against receipts fit the operating margin?	Net proceeds, purchased amount, collection base and reconciliation.

Your next step

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