Fast Business
Funding with MCA.
No Collateral Needed.
Get a lump sum of capital in exchange for a percentage of your business’s future sales until the loan amount and our lending cost is repaid. This is what Merchant Cash Advance is about.
- Get funded in days instead of weeks or months.
- No collateral required; Approval based on revenue volume.
- Get approved despite low credit score, short history, or high debt ratios.
- Revenue based repayment instead of fixed monthly instalments.
A Better Way to Finance
Why Work With Us
Experience the difference with K5 Kapital, offering flexible financing solutions that empower your business growth beyond traditional banking options.
Merchant Cash
Advance
Banks Business
Loans
Fast Funding
We deliver fast approvals and quick funding, so you can focus on growing your business without delays.
Lengthy Approval Process
Lower Eligibility Barriers
Limited Eligibility
High credit scores, extensive financial history, and detailed documentation are typically required to qualify.
No Collateral Needed
We believe in your business—get financing without the need for personal or business assets as collateral.
Collateral Obligations
Banks usually require significant collateral, putting your valuable assets at risk if repayments are missed.
Revenue Based Repayment
Enjoy flexible payments linked to your revenue, ensuring manageable repayments that fit your cash flow.
Rigid Repayment Terms
Fixed repayment schedules may not align with fluctuating business cash flow, increasing financial strain.
Unrestricted Use of Funds
Use your funds for any business need—growth, operations, payroll, inventory, or unexpected expenses.
Limited Flexibility
Loan terms and usage are often restricted, leaving little room for adapting to changing business needs.
Minimal Paperwork
Less paperwork, faster funding—get the capital you need without unnecessary delays or complications.
Extensive Paperwork
Banks may require extensive documentation, making the application process time-consuming.
Our Expertise at a Glance
We Are Experienced In This
Discover the expertise behind K5 Kapital. Our proven track record and wealth of experience in the financial industry empower businesses like yours to thrive and grow.
Where You Usually Need The Cash
Common Usage Of Funds
Working Capital
Keeps your business running smoothly by covering daily expenses like bills, supplies, and unexpected costs.
Buying New Inventory
Ensures you have enough materials or products to sell, so you never miss a job or customer.
Marketing Investment
Brings in more customers by promoting your business through ads, signs, and online marketing.
Buy New Equipment
Upgrades tools or machines or get new trucks on the road, helping you work faster, better, and take on bigger jobs.
Hiring New Staff (Payroll)
Lets you bring in extra hands, so you can get more work done without burning yourself out.
Business Expansion
Helps you grow by opening new locations, adding services, or reaching more customers.
What You Need to Apply
Minimum Business MCA Funding Requirements
Qualified? Click “Speak To A Funding Advisor” to get a quote on how much funding you can receive.
Monthly Revenue
Minimum $50,000 per month
(lower revenue accepted on exceptional basis)
Business Location
Nationwide in Canada
U.S. Businesses accepted in Q3 2025
Time In Business
Minimum 12 months
Credit Score (FICO Score)
Minimum 550 - 570
(lower FICO Score accepted on exceptional basis)
Secure Capital in No Time
4 Simple Steps To Get Funded
Quick Application
Personalized Consultation
Approval & Funding
Flexible Repayment
Your Guide to Seamless Funding
Commonly Asked Questions
Who is eligible to apply for financing?
Our financing is available to businesses that meet basic revenue and operational requirements. Contact us to check your eligibility.
How long does the application process take?
Our online application takes just a few minutes to complete, and funding decisions are typically made quickly.
What industries do you work with?
We provide financing for a wide range of industries, including retail, hospitality, healthcare, and more.
Do I need collateral to qualify?
No, our financing options do not require traditional collateral, making it easier for businesses to access funds.
How soon can I receive funding?
Will applying affect my credit score?
Our initial application involves a soft credit check, which does not impact your credit score.
Can I use the funds for any business expense?
What if my sales fluctuate?
Who We Are
We Take Pride Of Our Team & Our Approach
We pride ourselves on our customer-first approach. Whether you’re seeking quick capital for an urgent opportunity or long-term funding for expansion, our team is committed to providing fast, flexible, and transparent financial solutions that help your business thrive in today’s dynamic market.
Konstantin
Funding Advisor
Alice
Funding Advisor
Al
Funding Advisor
Rhea
Office Admin
Our Impact in Their Words
See What Others Say About Us
Discover how K5 Kapital has helped businesses like yours achieve their goals. Read stories from our satisfied clients and see the impact of our flexible financing solutions.
Ready to Elevate Your Business?
Get Started Today
Start your application today, and we’ll contact you with financing options built to keep your business moving forward.
