The product distinction
Its website includes several funding structures; confirm the current contract rather than assuming every offer is an MCA.
Ask about the actual offer
Is my offer a loan, revolving line or receivables-based agreement, and what is the full cost?
- Who is the legal provider and who makes the credit decision?
- What amount reaches the business after every deduction?
- What is the total obligation and actual collection schedule?
- Which guarantees, security and early-settlement provisions apply?
What to watch
Check new net cash after payouts, collection frequency and any early-settlement discount in writing.
Ask how existing bank security, personal guarantees and provincial requirements affect the proposed facility. If revenue and repayments use different currencies, show the cash effect of an exchange-rate change.
Compare beyond the headline
Use the written-offer checklist and calculators to test the proposal against the same cash need as other options. Advertised products can change; only the final written agreement establishes the terms offered to your business.
Sources and further reading
Official background and product information checked on October 26, 2026. Planning examples and decision questions are editorial analysis, not provider quotes. Confirm current terms before acting.
- Merchant Growth official product information (opens a new tab)
Source of the published product description; no confidential lender criteria used.
Your next step
Discuss your business financing need with Mehmi
Share your business and funding purpose with Mehmi Financial Group. Availability is checked before options are discussed; an enquiry is not an approval.
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