Import financing for Canadian importers and distributors
Pay for containers, duties and freight before your goods sell. Fast working capital for import and distribution businesses across Canada.
- Funding
- $5K – $1M
- Suggested product
- Business loan or line of credit
- Decision
- As little as 1 business day
- Minimums
- 6 months, $10K/month
Why importers use fast funding
Importers pay suppliers, freight and duties long before customers pay them. That gap can tie up cash for months, especially when orders grow. Working capital funding bridges the time between paying for goods and getting paid for them.
Because import purchases are planned and lumpy, a term loan with a fixed total cost is often the clearest fit. A line of credit can add a buffer for recurring orders.
Example
$150,000 × 1.20 = $180,000
You receive $150,000 and repay $180,000 in total, a fixed amount agreed upfront. Illustration only; your offer comes from the lender.
How owners use the funds
Container and supplier payments
Pay overseas suppliers on time to keep terms and pricing.
Duties and freight
Cover landing costs before goods reach customers.
Larger orders
Say yes to bigger customer orders with confidence.
Warehouse and logistics
Invest in storage, vehicles or systems.
Funding options
Business loan
A lump sum repaid over 6 to 24 months with automatic payments. Best for inventory, equipment, hiring and expansion.
- Fixed total cost agreed upfront
- 6 to 24 month terms
- Daily or weekly payments
Merchant cash advance
An advance against future sales, repaid as a share of your card revenue. Payments rise and fall with your sales.
- Repayment flexes with sales
- Built for card-heavy businesses
- Approval based on sales history
Line of credit
A revolving credit line you draw from when you need it. Built for seasonal gaps and unexpected costs.
- Draw only what you need
- Reuse as you repay
- A cash-flow safety net
Pair working capital with supplier credit
If you import from Chinese suppliers, our sister site HESPOR Finance helps importers arrange Sinosure-backed supplier credit, so you can buy on deferred payment terms. Use funding here for duties, freight and deposits, and supplier credit there to stretch your cash further.
Importers & distributors financing FAQ
Can importers in Canada get working capital funding?
Yes. Canadian importers and distributors meeting the minimums can request term financing or a line of credit.
Can I use funding to pay customs duties and freight?
Yes. Working capital can be used for duties, freight, supplier deposits and other landing costs.
How much can an importer get?
Term financing ranges from $5,000 to $1,000,000 depending on revenue and the lender's review.
Funding for importers & distributors
Send a 2-minute request and get a same-day introduction.