Secure the Capital Your Business Needs to Grow
FSI Digital connects Canadian small businesses with non-repayable government grants, tax credits, and fast working capital solutions. Check your eligibility in 3 minutes.
FSI Digital is an independent private advisory. We are not affiliated with the government.
Choose the Right Funding Option for Your Stage
We help founders secure the capital they need via non-repayable programs or fast cash-flow advances.
Government Grants & Tax Credits
Access non-repayable funding from provincial and federal agencies (like SR&ED or IRAP). Best for technology developers, hiring, export expansion, and R&D.
- ✓ Non-repayable: 100% equity-free capital
- ✓ $15K – $500K+ average funding amounts
- ⏱ Timeline: 3 – 6 months approval
Fast Capital & Cash Advances
Get an advance against your future business revenue deposits. No collateral, no high credit scores needed. Best for inventory, equipment, payroll, or immediate cash flow.
- ✓ Speed: Funds in bank within 24–72 hours
- ✓ $5K – $250K based on monthly revenue
- ⏱ Timeline: Same day decision
How FSI Digital Works
Get matched with optimal funding sources in three simple steps.
Check Eligibility
Submit your basic business profile and average monthly revenue.
Submit Documents
Upload your last 6 months of bank statements securely to verify deposits.
Get Funded
Receive a decision in 24–72 hours and get capital sent directly to your account.
Frequently Asked Questions
How do I know whether my business needs a grant or a cash advance?
Government grants are non-repayable but take 3–6 months for approval and require strict project reporting. Working capital advances (MCAs) are approved in 24–72 hours based on your monthly revenue deposits, with zero collateral or credit impact, making them ideal for short-term inventory, equipment, or cash flow emergencies.
What are the minimum qualifications for fast business funding?
To qualify for our working capital solutions, your business must be located in Canada, have been operating for at least 6 months, and generate a minimum of $10,000 in average monthly deposits. No collateral or high credit scores are required.
Are government grants repayable?
No. Government grants are non-dilutive, equity-free, and non-repayable, provided you complete the project as outlined in your application and submit all required progress reports.
What is a factor rate and how does it work?
Unlike traditional loans with compound interest rates, Merchant Cash Advances use a fixed factor rate (typically 1.18 to 1.35). The total repayment amount is calculated upfront by multiplying the advance amount by the factor rate. You repay a fixed percentage of your daily card sales or monthly deposits, meaning payments adjust naturally with your business volume.