Canada & U.S. Financing Nicolas Lescalier Apply
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Business financing · Canada & United States

Nicolas Lescalier

Funding Manager at Premium Merchant Funding

Tell me what you need to finance. I’ll help you compare your options, understand repayment, and take the next step.

Start a financing reviewFind a starting point

Fully online. No need to choose a product first.

Find a starting point

A few details. A clearer next step.

Choose where and what you want to finance. You’ll see a few useful guides and can carry your choices into a review request.

No contact details needed. Your choices stay in this page until you open a review request.

Financing options

Financing for your business and property.

Explore the options below, or start a review and I’ll help you narrow the fit.

Hybrid Program

12–36 months · Monthly payments · Growth and MCA buyout options.

U.S. equipment financing

New or used equipment. Application-only options up to USD 350,000, subject to credit and approval.

HELOCs · U.S. only

First, second, or third lien. Up to 85% LTV, with e-notary and no in-person inspection. Five-day funding available for qualifying files.

Product availability and terms depend on your business, location, and underwriting. Hybrid Program availability is confirmed during review for U.S. and Canadian requests. The conventional and extended-term business loans, HELOCs, construction loans, and SBA 7(a) and 504 loans described here are U.S. only. The other linked product guides describe U.S. financing. For Canadian requests, see the Canadian financing overview, Canadian working capital, and Canadian equipment guides.

U.S. property investors

Find the program for your property.

Explore rental financing, renovation, construction, and short-term bridge options.

How it works

A clear path from need to next step.

  1. Share your need.

    Tell me about your business, the amount, and your timeline.

  2. Compare the fit.

    Review available options against your cash flow and goals.

  3. Know the next step.

    Understand the terms and documents before moving forward.

Explore financing services

Working with me

Direct communication, wherever you operate.

I work with businesses across every Canadian province and territory and all 50 U.S. states. The review and follow-up take place online.

I fund select deals directly and work with funding partners when co-funding or another provider is appropriate.

View the Canada & U.S. coverage map

Let’s discuss your financing.

Share the basics. I’ll review your request and outline the next steps.

Start a financing review

Nicolas Lescalier is a Funding Manager at Premium Merchant Funding. He acts as a direct lender on select deals, works with an extensive network for co-funding, and helps arrange financing through third-party providers. All financing is subject to underwriting and approval and may not be available in every province, territory, or state, or for every business. Terms, costs, and timing vary by provider and applicant. Website calculators and examples are educational estimates, not offers or commitments to fund.