Merchant Advance Capital provides flexible financing solutions for Canadian small businesses that accept debit/credit card payments from their customers. By purchasing a business's future sales at a discount and collecting funds by withholding a small percentage of all debit/credit card transactions, we are able to offer unconventional financing solutions that are usually only available to larger companies. Larger companies make use of invoice factoring or mezzanine debt to close the gap between conventional debt and equity. For small consumer businesses (that typically don't mantain an accounts receivable balance) we open up a financing source by banking on their debit/credit card sales stream. Additionally, our process is fully automated and the withholding payments are tied directly to sales volumes, giving small businesses exceptional cash flow flexibility.