Financing for merchants in Montreal and across Quebec

Direct Pay Solutions connects Quebec merchants with reputable financing partners to secure working capital that fits their reality, quickly and without excessive paperwork.

Request an introduction

Talk to an advisor1-800-505-5816

Need cash to buy inventory, renovate your space or get through a slow stretch? We point you to the right partner for your situation. The assessment and the process stay entirely between you and the partner you choose. Check out our payment solutions and pricing pages to learn more about our processing services.

Our financing partners

Two complementary partners depending on your profile and your payment equipment.

Journey Capital

A Canadian direct lender founded in 2009, specialized in financing for small and medium-sized businesses. Journey Capital offers three products: the business term loan (fixed repayments over 6 to 24 months), the business line of credit (flexible access to funds, interest only on the portion you use) and the Flex Funds Advance (an advance on future sales, repaid in proportion to your revenue).

Small and medium-sized businesses incorporated in Canada
6 months minimum in operation, $120,000 minimum annual revenue
Minimum personal credit score of 600 (published by Journey Capital)
Soft credit check for pre-qualification, with no impact on your file
No published application fees

Details and rates: check directly at journeycapital.ca. Rates, approval conditions and exact amounts are published on the official site and may vary based on your profile.

View Journey Capital

Clover Capital

A future-sales cash advance program offered directly by Clover (Fiserv), reserved for merchants who use a Clover payment terminal. It is not a traditional loan: Clover advances funds that you repay automatically through a daily percentage of your Visa and Mastercard card sales. You repay more when your sales go up, and less when they go down.

Reserved for merchants using a Clover terminal (required)
6 months minimum in operation
Minimum volume of $1,000 per month in Visa and Mastercard transactions
Daily repayment proportional to sales, with no fixed monthly amount

Details and rates: check directly at clover.com/ca - Clover Capital. Approval conditions and the holdback percentage are set by Clover at signing.

View Clover Capital

How it works

A simple process, in four steps.

Assessing the need

You share your situation with us: the amount you need, the reason for it (inventory, renovation, working capital) and your current payment equipment.

Matching you to the right partner

Based on your profile, we tell you which partner fits best: Journey Capital for a loan or a line of credit, Clover Capital if you use a Clover terminal.

Applying with the partner

You apply directly with the partner you choose. The process is online and fast. Journey Capital offers a pre-qualification that does not affect your credit score.

Decision and payout

The partner reviews your file and communicates its decision. If approved, funds are paid out according to the partner's terms. DPS is not involved in this step.

The role of Direct Pay Solutions

Direct Pay Solutions makes it easier to connect merchants with our financing partners. The financing conditions, rates, approved amounts and final decision rest entirely with the partner. We recommend that you review the official conditions published on each partner's site before applying. The information shown on this page reflects the conditions published by the partners; it may change without notice.

Need financing for your business?

Our team points you to the right partner for your situation. Free consultation, Monday to Friday from 9 a.m. to 6 p.m.

Call 1-800-505-5816 Get a quote