High Daily Rates Solver
A SMARTER
REFINANCE FOR
MCA BORROWERS
Are you tired of breaking the bank covering huge daily or weekly payments with your existing Merchant Cash Advance? Let Growth Street Capital help you turn your business around by refinancing your existing short-term advance into something reasonable.
2 Years
Starting term
Up to 70%+
Payment reduction
7–10 Days
Decisions made
Advanced Cashflow Pillars
Our features set your business up for success
relief designed from the ground up for merchants.
Longer terms
LOANS START AT 2 YEARS
Instead of paying back your advance over a standard 3 to 9-month term, our loans start at 24 months, instantly reducing your weekly payments and buying you time to grow your business.
Lower rates
REASONABLE RATES
Our true commercial loans are reasonable priced and report to your corporate credit profile allowing you to improve your cashflow and build business credit at the same time.
Lower Payments
GET MORE, PAY LESS
Consolidating Merchant advance positions lets you drastically lower your monthly operational outflows, and can cut regular daily or weekly payment obligations by up to 70% or more.
Corporate Background
We’re a new breed of commercial lender
By refinancing your existing MCA loan with Growth Street Capital you’ll get more money, on a longer term, and still end up reducing your daily or weekly payments. In many cases our clients save 70% or more on their regular payments all while netting additional capital to help their business grow.
Weekly automatic banking debit on the day of your choice
Monthly email loan summaries with detailed ledger updates
Balanced Buyout Agreements
We negotiate directly with your existing cash advance company, ensuring no double-payment risks during your buyout.
Flexible Weekly Banking Debit
Say goodbye to stressful daily ACH sweeps. Under our platform, billing is strictly debited once a week on the weekday you define.
Refinance in 3 Easy Steps
How we process and fund your restructuring request within 1 – 2 weeks
1
Request an Estimate
Complete our short online application, telling us your name, company name, and details of your existing MCA loan(s).
2
Underwriting
Within 24 hours, a customer representative will contact you to discuss your application, collect all bank and credit card statements required to underwrite your account, and present you with an offer conditional on successful underwriting.
3
Funding and Repayment
Once successfully underwritten, your loan funds will be deposited into your account within 24 hours. Payments will be debited from your account each week on the day of your choice, and you’ll receive monthly email summary reports.
Clear Answers & Guidance
Frequently Asked Questions
Learn more about restructuring outstanding merchant advances and securing daily/weekly cashflow relief.
What is a Merchant Cash Advance (MCA)?
A Merchant Cash Advance is an advance of prospective business receivables rather than a traditional term loan. In exchange for fast funding, advances feature extremely aggressive daily or weekly repayments over very short terms (typically 3 to 9 months). Because factor interest is pre-loaded on total amounts rather than calculated as simple reducing interest, MCAs have effective APRs exceeding 80% to 150%, severely harming daily cash flow.
How does Growth Street's Refinancing reduce my payments?
Growth Street replaces your existing Merchant Advance with a true commercial loan starting at 2 years (104 weeks). By doubling or tripling your repayment runway and using competitive simple interest models, your regular carrying costs are slashed, in many cases reducing weekly obligations by up to 70% or more.
What are your minimum qualifications?
We look for businesses with at least $15,000 in monthly bank revenue, at least 1 year in active business, and a clear daily or weekly payment schedule that they are actively trying to optimize. There are no strict minimum credit scores required, as our underwriting relies heavily on consistent account cash flow.
Connect With Us
Get in touch with us today
Have questions about outstanding MCA Loans, buyout guidelines, or any other questions? Talk with one of our Canadian representatives today. We’re here to help.
Client hotline
Toll Free – 877-282- GROW
Local – 905-595-2063
Customer Service Address
support@growthstreet.ca
Corporate Head Office
7300 Warden Ave.
Markham, ON L3R 9Z6
Interactive Connect Portal
Send a Secure Inquiry
Provide your details below to get a prompt response within 24 business hours from one of our agents
Stop paying exuberant daily carrying costs
with your existing MCA Loan
Let Growth Street Capital help improve your company’s cashflow today. Our new brand of Merchant loan is designed to help companies improve cashflow, increasing funding options, and set our clients up for success.