Working capital loans
Fast capital for businesses that need speed and can support frequent remittances tied to real revenue activity.
See working capital optionsCanada & U.S. financing
Business financing that fits your next move.
Explore business financing in Canada and the U.S. with Nicolas Lescalier. Get direct guidance on the structure, repayment, and next steps that fit your business.
Direct funding on select deals · Extensive network for co-funding
Professional role
Nicolas Lescalier — Funding Manager at Premium Merchant Funding
I fund select deals directly and work with an extensive network of funding partners when co-funding is appropriate. I also help business owners compare financing options and prepare requests for other providers. Every deal is subject to underwriting and approval.
Canada & United States
A three-year term program for established businesses.
A 36-month term at 12–16% APR, for businesses with at least $3 million in annual revenue: CAD in Canada and USD in the U.S.
Revenue eligibility is a starting point. Financing and final terms are subject to underwriting and approval.
Explore the 3-year term programPrepare your request
Start with your business and financing need.
Share your country, annual revenue, requested amount, and intended use of funds. The review and next steps take place online.
Apply for this programCore products
Explore financing options.
A payroll gap, large purchase order, invoice backlog, equipment purchase, or property acquisition should not go through the same playbook. Different situations need different capital.
Line of credit
Revolving access for inventory cycles, seasonal swings, and short-term operating gaps that repeat.
Explore lines of creditTerm loans
Predictable repayment for expansion, hiring, acquisitions, refinance, and longer-duration business investment.
Review term loansEquipment financing
For vehicles, machinery, medical devices, and other purchases that should be repaid over the useful life of the asset.
See equipment financingFactoring and PO financing
For businesses that need to accelerate invoices or fulfill strong purchase orders without draining working capital.
Explore invoice and PO solutionsSBA, bridge, and mortgage financing
For stronger borrowers, time-sensitive deals, acquisitions, refinance, and broader commercial real estate capital needs.
Explore real estate and SBA optionsTools and guides
Compare costs before you apply.
Use the calculators to compare repayment, or explore the guides to prepare your request.
Resources and tools
Open the full hub for calculators, product guides, checklist pages, and decision support links.
Open resourcesWorking capital calculator
Compare two short-term working capital offers by real repayment pressure instead of treating factor rate as the only decision point.
Open working capital calculatorTerm loan calculator
Model payment load and amortization before choosing a longer-term debt structure for growth or refinance.
Open term loan calculatorFinancing in practice
See how different financing structures work.
Explore educational scenarios and the process you can expect when submitting a request.
FAQ
Your questions, answered.
How fast can funding happen?
That depends on the product. Working capital loans and some short-term structures can move inside days. SBA and more documentation-heavy files usually take longer.
Do I need to know the exact product first?
No. In many cases the better starting point is the use of proceeds, timeline, and repayment tolerance rather than the product name.
What usually matters most for approval?
Revenue visibility, time in business, documentation quality, credit profile, collateral where relevant, and whether the structure fits the actual need.
What should I send before the first call?
The amount needed, use of proceeds, timing, and basic business profile are enough to start. The application checklist shows the best prep.
Next step
Let’s find your next step.
If the deal is a fit, I will help you identify the most realistic financing path, the likely documentation, and the tradeoffs you should expect before you apply.
Canadian business owners
Financing guidance for your Canadian business.
Canadian financing overview
Compare product families, prepare your request, and find official bank and government-program resources.
Read the Canadian guideWorking capital in Canada
Compare loans and credit lines, payment frequency, cash received, total repayment, and currency.
Review working capital optionsPlan an equipment purchase
Review ownership, upfront costs, delivery timing, buyouts, and the information to prepare.
Compare equipment structuresWhere I operate
Across Canada and all 50 U.S. states.
My service is fully online, including Canada's northern territories, Alaska, and Hawaii. We review the financing request remotely, with product availability assessed for your business and location.
Explore the coverage map