Capital that moves as fast as your business.
Unlock up to $300,000 in working capital today. No rigid bank interviews. No impact to your credit score to look.
Calculated in 2 minutes
Why Magical Business?
Fast Approval
Get a decision within 24 hours. Funds deposited quickly when approved.
Flexible Repayment
Repayment is a percentage of your daily or weekly sales. When sales slow, you pay less. No fixed installment.
Simple Application
Quick online form. No lengthy paperwork required. Apply in minutes.
100% Secure
Your information is protected with industry-standard security.
Direct Funder
We fund directly, not through brokers. Funds go straight from our account to yours, with no middleman.
Proudly Canadian
Backed by Magical Credit, a trusted Canadian lender. Local team focused on Canadian businesses.
How Magical Business Works
The Check: Review Capital Options (2 Mins)
Tell us a little about your business. We analyze your monthly sales, not just your credit score, to instantly estimate how much you can borrow.
The Offer: Get Approved (Same Day)
Link your business bank account securely. Our underwriting team (real humans, not just bots) reviews your file and sends a firm offer within hours.
The Magic: Funds Deposited (24 Hrs)
Accept the terms and the funds are wired directly to your business account. Repayments are automated daily so you never have to worry about scheduling.
Banks can be strict with business funding. A Merchant Cash Advance (MCA) is different from a loan. It's an advance on your future sales. You receive cash now and repay with a percentage of your daily or weekly sales.
When sales are slow, your payment is smaller. When sales are strong, you pay off faster. We provide MCA to businesses registered and operating in Ontario, Canada only.
Check My Eligibility
Use Your Advance For
Inventory & Supplies
Stock up for busy seasons or new product lines. Keep product on the shelf when cash flow is tight.
Equipment
Purchase or upgrade machinery and tools. Upgrade kitchen equipment, vehicles, or technology.
Working Capital
Cover day-to-day expenses and cash flow gaps. Rebound from slow periods and stay operational.
Expansion
Renovate, relocate, or grow your business. Open new locations or scale operations.
Payroll
Cover payroll during slow seasons or when cash flow is tight. Keep your team paid and motivated.
Marketing & Growth
Invest in advertising, new campaigns, or marketing to attract customers and grow revenue.
Questions?
Call us at 1-855-639-6888 or visit our FAQ page.