STAGE 01
Simple Application
Provide your registered Canadian operating details and verify your recent monthly sales. No complex business plans or lengthy notarizations required.
Start Stage 01ROYALMOUNT CAPITAL · PRIVATE CAPITAL FOR CANADIAN MERCHANTS
YOUR BUSINESS MAKES MONEY. LET'S PUT IT TO WORK.
Forget the traditional banking hurdles.
At RoyalMount Capital, we believe Canadian businesses deserve access to capital without being defined by a credit score.
We focus on what matters: your business revenue, daily sales, and potential.
Non-Dilutive Advance
Based on verifiable gross card volume
THREE-STAGE CAPITAL PATHWAY
A clear, disciplined funding process with zero surprises.
We respect your time. RoyalMount Capital reviews operating history rather than arbitrary scores, structuring funding through three sequential stages.
STAGE 02
Revenue-Based Underwriting
Our underwriting team assesses transaction consistency and seasonality to determine a sustainable advance size. We evaluate real cash flow health instead of rigid personal credit scores.
Get Approved Today
STAGE 03
Agreement & Capital Transfer
Review a clear schedule detailing your advance amount & factor cost. Once approved and confirmed, funds are disbursed directly to your Canadian operating account.
Speak with Advisor
CANADIAN PRIVATE UNDERWRITING
Underwriting based on verified cash velocity, consistent deposits, and operational resilience.
TRANSPARENT CRITERIA & USE OF CAPITAL
Unrestricted capital deployments designed for merchant growth.
RoyalMount Capital does not impose restrictive loan covenants. You maintain full operational control to deploy capital wherever your business needs leverage.
USE 01
Seasonal & Bulk Inventory Purchases
Negotiate bulk discount pricing from domestic or international suppliers ahead of peak retail seasons without exhausting everyday operating cash reserves.
USE 02
Equipment Repair & Facility Upgrades
Quickly replace kitchen ovens, POS terminals, workshop machinery, or store fixtures to avoid revenue disruptions and customer downtime.
USE 03
Expansion, Renovation & Marketing Campaigns
Fund leasehold improvements, launch regional digital promotions, or open a second location while your baseline sales service the advance seamlessly.
ELIGIBILITY
Baseline Underwriting Standards
- Operating business physically located in Canada
- Minimum 6+ months of continuous operating history
- Consistent monthly gross sales of $10,000 CAD or higher
- Active Canadian commercial business bank account
MERCHANT SUPPORT & APPLICATION
Frequently Asked Questions & Direct Intake
Review clear answers to common merchant inquiries, or speak directly with our private funding team in Montreal.
Dedicated Capital Desk
Reach an accredited underwriting specialist:
Direct Advisory Phone
+1 (438) 899-5900
Direct Advisory Email
info@royalmountcapital.com
Canadian Offices
1 Pl. Ville-Marie, Montreal, QC H3b 5G9
Start Merchant Application
Platform-secured intake. No upfront fees or obligation.
MERCHANT DILIGENCE
Essential Answers on Revenue Financing
+ How does a merchant cash advance differ from a traditional bank loan?
A merchant cash advance is not a loan; it is a purchase of future card and digital receivables at a discount. Unlike fixed bank term loans with rigid monthly debits and compounding interest, RoyalMount Capital collects a predetermined small percentage of your actual daily gross sales. If business slows down, your remittances drop proportionally.
+ Are there fixed monthly payment amounts or penalties if sales slow?
No. There are no fixed monthly maturities and no penalties for taking longer to fulfill the advance when sales fluctuate. Because retrieval is pegged directly as a percentage of your daily merchant terminal batches, you are never penalized for seasonal or market downturns.
+ What documentation is necessary to verify eligibility?
Underwriting requires basic verification of your Canadian business registration, recent business bank statements demonstrating healthy operational cash flow, and recent processing statements showing regular card or digital transaction history. We do not require complex audited financials for standard advances.
+ How are daily remittances reconciled with our POS or merchant processor?
Depending on your merchant service setup, remittances are reconciled either via automated split-batch processing directly through your POS processor, or through a calibrated pre-authorized debit that reflects the agreed retrieval percentage against your verified gross sales.
+ Can we renew or obtain supplemental funding after initial fulfillment?
Yes. Once a merchant has successfully remitted 50% or more of the agreed purchased receivables with consistent history, they become eligible to apply for top-up advances or favorable factor rate tiers to support continuous operational momentum.
+ Does applying for an advance affect my personal credit rating?
Initial application and eligibility reviews are based on commercial transaction history and operational accounts. Exploring your preliminary funding options with RoyalMount Capital does not trigger an invasive hard bureau inquiry on your personal credit profile.