What Is A Merchant Cash Advance?

A Merchant Cash Advance (MCA) is capital provided to a business in exchange for a business’ agreed future revenue based on a factor rate.

To describe it simply, if you were a pizza store owner and we told you that we are willing to purchase all the pizzas you would sell in the next 6 months today, at a 20% discount, would you say yes? Most business owners would. This is exactly how a Merchant Cash Advance works.

In addition, we will structure your payments according to your business’ cash flow. This way you will not have to worry at all about missing a payment because it will be just a small fraction of your daily sales revenue.


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Taking your business to the next level always requires additional funding. Following the latest technology trends, purchasing new software, hiring new knowledgeable specialists, or implementing new marketing ideas is the only way to succeed and grow your business. For those who are looking forward to getting a smart flexible financial solution to improve, grow, market, and invest, a merchant cash advance is the right fit.


Why People Choose EFSA?

Here at EFSA,

we believe time is money icon

That is why our merchant cash advances are specifically designed for business owners who need capital quickly. After you fill our short contact form out, EFSA professional credit specialists will get in touch with you, so you can apply on the phone from the comfort of your home or business office.


Do you need more money to support another important business activity?

No problem!


Start Growing Your Business, Not Debt!

Being a proud Canadian business owner requires a lot of work. The key to success is to stay afloat during hard times and accept new challenges. Here at EFSA, we are ready to accept these challenges with you and stay by your side. Our team will help you apply, qualify, and receive the funds for your business you deserve.


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Do you need more money to support another important business activity? No problem! Making on-time payments according to the schedule, you will be able to qualify for more capital in the future. Our live agents will review your request and contact you to get more information if needed.

Whatever financial situation you are in right now, we promise to find the best merchant cash advance solution for you!


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Ennio Lori

Italian Restaurant Owner | Toronto, ON
All restaurant owners should know how hard it can be to keep up with those crazy bills. It was a super slow season for us when EFSA came in handy. My family and I would like to say thank you for believing and helping us out in hard times

Abel Abara

Convenience Store Owner | Brampton, ON
With EFSA help I could increase my convenience store’s capacity and add more items to the shelves. It is so nice to see more and more local customers coming to my store and hear that they enjoy the variety of new products. Now my store offers fresh coffee and hot breakfast too.

Anish Khatri

Flower Shop Owner | Vancouver, BC.
After my regular flowers’ supplier closed down, I managed to find another one, but at a higher cost. EFSA came right on time. They were able to lend me some money so I could continue running my business without interruptions. Much appreciated!

Jane Mendoza

Nail Salon Owner | Winnipeg, MB
Great customer service. Their agents were very helpful. I asked for 13,000 CAD to buy new equipment for my nail salon. I got my money the next day after sending some necessary business documents. I can finally provide my customers with the best nail services in Winnipeg!

David Beck

Sports Bar Owner | Markham, ON
Big thanks to EFSA for providing me the capital I needed. I was able to renovate my sports bar and improve my website. Customers love the new design and vibe my place delivers now. You rock!

Do not hesitate to ask us a question

We will be happy to talk about our flexible payment schedules, special rates, and much more!