一句话2M7 is a Canadian direct funder offering merchant cash advances and alternative small-business working capital with fast approval.
定价Fixed cost of capital / merchant cash advance repayment The site states there is no interest and no hidden fees, and that the cost of capital is shown upfront before signing. It also lists many fees it does not charge, including applica
适合谁Canadian small businesses operating at least 3 months with at least $15,000 monthly revenue, especially those needing fast working capital or unable to qualify
核心功能Funding from $5000 to $300000Approval decision within 24 hoursFunds deposited within 24 hours after approvalNo collateral requiredRepayment via fixed or flexible paymentsFlexible repayment may be based on percentage of salesReload/top-up funding for approved customersEarly payoff reward of 10% off balance subject to restrictionsDirect funder rather than broker
服务类型Merchant Cash Advance、加拿大小企业替代融资、营运资金 funding、small business loan alternative、line of credit alternative
支持支付方式未说明具体收付款通道;还款可采用固定还款或按销售额比例的灵活还款
覆盖国家/地区加拿大;申请企业需位于加拿大
费率与手续费无利息、无隐藏费用;签约前展示资金成本;不收申请费、经纪费、续期费、放款/设立费、月/年维护费、承销费、文件费、提前还款罚金等。未披露具体费率或factor rate
结算到账周期审批通常在1个工作日/24小时内;获批后资金通常24小时内到账;已批准客户追加资金最快30分钟
合规与牌照未披露具体金融牌照或监管信息;声称为加拿大独立直接出资方而非经纪商
风控能力审批关注企业经营表现、月收入等因素,不仅依赖个人信用分;要求经营至少3个月、月收入至少15,000加元、无未结破产;宣称75%批准率
API与集成未提及API、系统集成或开发者工具
支付Repayment can be fixed or flexible; flexible payments may be calculated as a percentage of sales. Specific payment rails are not described.
中国访问未知
适用场景Working capitalcash-flow gapsinventory purchasesequipment upgradespayrollseasonal needsconstruction materials and laborretail expansionrestaurant fundingtrucking and cannabis retail growth needs.
同类Traditional bank small business loanslines of creditother merchant cash advance providersCanadian alternative business funding providers.