What kinds of Ontario businesses do you fund?

We fund construction and trades, trucking and logistics, manufacturers, healthcare and dental practices, restaurants, retailers, and auto shops across Ontario doing $25,000 or more in monthly revenue. Not all applicants qualify.

Why use revenue-based funding instead of a bank in Ontario?

Banks underwrite slowly and weigh personal credit and time in business heavily. We approve on revenue and deposit strength, so a business with steady collections can be funded in days regardless of credit blemishes.

How fast can I get funded?

Eligible applications with complete documentation typically receive a same-business-day decision, with funding commonly within 24 to 72 hours of a signed agreement. Not all applications result in offers.

How does repayment work?

Remittance is typically a set daily or weekly debit or a percentage of deposits, so it scales with revenue rather than holding at a fixed monthly payment while receivables are outstanding.

Do you offer anything besides a cash advance?

Yes. We offer business lines of credit and equipment financing in addition to revenue-based funding, both directly and through our referral network, depending on what fits your situation.

Can an Ontario business with prior credit issues qualify?

Credit is not the primary factor. Underwriting weights revenue and deposit patterns. Bankruptcies, judgments, prior funding defaults, and active tax liens remain material.

Can I get a small business loan in Ontario?

You can pursue a bank or BDC small business loan in Ontario, but those are slow and credit-driven. Y Millennial Funding is a faster alternative: revenue-based business funding — a merchant cash advance, not a loan — for Ontario businesses doing $25,000+ per month, with same-day decisions and approval weighted on revenue rather than credit score alone. Not all applicants qualify.

Is Y Millennial Funding a small business loan?

No. It is a merchant cash advance — a purchase of your future revenue at a discount, not a loan. There is no fixed monthly payment; remittance scales with your deposits. It is a common financing alternative for Ontario businesses that want speed or have been turned down for a bank loan.

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Business Funding & Small Business Loan Alternatives in Ontario

Business Funding for Ontario Companies

Revenue-based funding for Ontario businesses doing $25,000 or more in monthly revenue — underwritten on deposits, not collateral.

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Get Funded in Ontario

No obligation. No credit impact.

Ontario is Canada's largest provincial economy, anchored by the Greater Toronto Area and a deep small business base across manufacturing, construction, logistics, and services — and a banking system that still declines a lot of it. Y Millennial Funding provides Ontario business funding built for how the province actually earns: revenue-based capital underwritten on your business bank deposits rather than collateral, with a merchant cash advance structure that flexes remittance as a percentage of revenue. Whether you run a manufacturer near Toronto, a contractor on a GTA build, a restaurant in Ottawa, or an auto shop in Hamilton, if the business has six or more months of history and $25,000 or more in monthly revenue, you can get a same-day decision and funding commonly within 24 to 72 hours. It is not a loan — it is a small business loan alternative for businesses that want speed or have been turned down by a bank. Not all applicants qualify.

The Ontario Economy

Ontario runs a diversified economy: advanced manufacturing and auto supply across the Toronto-Windsor corridor, a major logistics and freight network, finance and technology in the GTA, healthcare, and construction riding strong population growth. Businesses front materials and labor and wait on customer net terms, which keeps working capital perpetually in demand — exactly the gap revenue-based funding bridges.

Why Ontario Businesses Choose Revenue-Based Funding

Ontario businesses get declined by banks for the same reasons strong businesses everywhere do: they grew faster than their financials look, their value sits in equipment and receivables rather than real estate, or net-term billing made cash flow uneven. Banks underwrite slowly and weigh personal credit heavily. Revenue-based funding weighs deposits instead, so a business with steady collections can be funded in days regardless of credit blemishes.

The Ontario Funding Landscape

For Ontario owners weighing options, the realistic comparison is speed and structure: a bank or BDC small business loan is cheaper but slow and credit-driven, while revenue-based funding is faster, approves on revenue, and repays as a share of deposits. It is a small business loan alternative, not a loan — no fixed monthly payment, and remittance scales with what you collect.

Key Industries We Fund in Ontario

The Ontario businesses we fund most often are construction and trades, trucking and logistics, manufacturing, healthcare and dental practices, restaurants, and retail — the deposit- and receivable-heavy operations banks underwrite poorly.

Metros We Fund Across Ontario

We fund businesses across every major Ontario market — Toronto, Ottawa, Mississauga, Hamilton, London, Kitchener-Waterloo, and the smaller markets between them.

Ontario Cities We Serve

Local business funding across Ontario's major markets.

Barrie, ON

Revenue-based business funding for Barrie, Ontario companies doing $25,000 or more a month. Approved on deposits, not credit. A merchant cash advance is not a loan.

Brampton, ON

Revenue-based business funding for Brampton, Ontario companies doing $25,000 or more a month. Approved on deposits, not credit. A merchant cash advance is not a loan.

Burlington, ON

Revenue-based business funding for Burlington, Ontario companies doing $25,000 or more a month. Approved on deposits, not credit. A merchant cash advance is not a loan.

Guelph, ON

Revenue-based business funding for Guelph, Ontario companies doing $25,000 or more a month. Approved on deposits, not credit. A merchant cash advance is not a loan.

Hamilton, ON

Revenue-based business funding for Hamilton, Ontario companies doing $25,000 or more a month. Approved on deposits, not credit. A merchant cash advance is not a loan.

Kitchener, ON

Revenue-based business funding for Kitchener, Ontario companies doing $25,000 or more a month. Approved on deposits, not credit. A merchant cash advance is not a loan.

London, ON

Revenue-based business funding for London, Ontario companies doing $25,000 or more a month. Approved on deposits, not credit. A merchant cash advance is not a loan.

Markham, ON

Revenue-based business funding for Markham, Ontario companies doing $25,000 or more a month. Approved on deposits, not credit. A merchant cash advance is not a loan.

Mississauga, ON

Direct MCA funder for Mississauga businesses doing $25K+ CAD monthly. Trucking, logistics, warehousing, manufacturing, trades. Funding in Canadian dollars. Same-day decisions for eligible applications.

Oshawa, ON

Revenue-based business funding for Oshawa, Ontario companies doing $25,000 or more a month. Approved on deposits, not credit. A merchant cash advance is not a loan.

Ottawa, ON

Revenue-based business funding and small business loan alternatives for Ottawa businesses doing $25K+/mo. Not a loan — funding that repays as you get paid. Same-day decisions for eligible applicants.

Richmond Hill, ON

Revenue-based business funding for Richmond Hill, Ontario companies doing $25,000 or more a month. Approved on deposits, not credit. A merchant cash advance is not a loan.

Toronto, ON

Direct MCA funder for Toronto businesses doing $25K+ CAD monthly revenue. Funding in Canadian dollars for construction, restaurants, trucking, staffing, retail. Same-day decisions for eligible applications.

Vaughan, ON

Revenue-based business funding for Vaughan, Ontario companies doing $25,000 or more a month. Approved on deposits, not credit. A merchant cash advance is not a loan.

Windsor, ON

Revenue-based business funding for Windsor, Ontario companies doing $25,000 or more a month. Approved on deposits, not credit. A merchant cash advance is not a loan.

Ontario Industries We Fund

Industry-specific funding for Ontario businesses across all major sectors.

Construction & Contractors

Contractor financing and construction business loan alternatives for general contractors, subcontractors, and specialty trades. Materials, equipment, mobilization, payroll between progress payments. Revenue-based, same-day decisions for eligible applications.

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Trucking & Transportation

Trucking business funding for owner-operators, small fleets, and trucking companies doing $25K+ a month. Fuel, repairs, payroll, and the gap between broker payments. Approved on revenue, not credit. Not all applicants qualify.

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Manufacturing

Manufacturing business loan alternatives and equipment financing for small and mid-sized manufacturers. Production equipment, raw materials, working capital, expansion. Revenue-based, same-day decisions for eligible applications.

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Healthcare & Medical Practices

Medical practice loan alternatives and healthcare business funding for physician practices, specialty clinics, urgent care, and medical offices. Bridge insurance reimbursement, equipment, expansion. Revenue-based, same-day decisions for eligible applications.

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Restaurants & Food Service

Restaurant business loan alternatives and funding for restaurants, bars, cafes, and food service operators. Equipment, renovation, working capital through slow seasons, new locations. Revenue-based, same-day decisions for eligible applications.

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Retail

Retail business loan alternatives for stores, boutiques, and small chains doing $25K+ a month. Inventory, seasonal buys, build-outs, working capital. Approved on revenue, not credit. Not all applicants qualify.

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Staffing & Recruiting Agencies

Staffing agency funding and payroll financing for staffing firms waiting 30-60 days on client invoices — light industrial, healthcare, IT, hospitality, and more. Approved on revenue, not credit. Not all applicants qualify.

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Inventory Financing

Inventory financing and inventory loan alternatives for retailers, e-commerce sellers, and wholesalers doing $25K+ a month. Seasonal buys, supplier minimums, restocking. Approved on revenue. Not all applicants qualify.

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Featured: City + Industry Funding Pages

Targeted funding resources for specific industries in Ontario's top markets.

Cleaning & Janitorial Services

Mississauga, ON

Cleaning & Janitorial Services

Toronto, ON

Construction & Contractors

Mississauga, ON

Construction & Contractors

Toronto, ON

Daycare & Childcare Centers

Toronto, ON

Gyms & Fitness Studios

Mississauga, ON

Browse all locations or industries we fund.

Ontario Funding Resources

Ontario Business Funding: Common Questions

All funding is subject to underwriting review. Information below is general guidance.

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