Merchant cash advances, receivable financing, inventory, expansion and equipment loans from our lending partners. One application, multiple options, and an advisor who explains every term.
Each product solves a different problem. Not sure which fits? Tell us what the money is for and we'll recommend the best structure.
Get a lump sum today, repay automatically as a small share of future card sales.
Great for: Restaurants, retail, salons with steady card volume
Turn unpaid invoices into working capital — stop waiting 30–90 days to get paid.
Great for: B2B, trades, wholesale, contractors, staffing
Stock up before peak season or seize bulk-buy discounts without draining cash.
Great for: Retail, eCommerce, distributors, grocers
Open a new location, renovate, hire, or launch a new product line.
Great for: Established businesses ready to scale
Get the equipment you need now and pay over its useful life.
Great for: Restaurants, clinics, trades, manufacturers
A flexible safety net — draw what you need, pay interest only on what you use.
Great for: Any business with uneven cash flow
Funding that moves with your sales — not against them.
We review recent processing statements — usually 3–6 months.
See your advance amount, total cost and holdback % upfront.
Money is deposited to your business account once approved.
A small, agreed share of daily card sales goes toward repayment.
No impact to apply for a consultation.
Your request is in. An UrbanPay specialist will review it and get back to you with options — usually within one business day.
Need it sooner? Call +1 604 360 7088
Pair a loan with non-repayable grant funding where you qualify — we screen both at the same time.
