Liquidity,
Uncompromised.
Magical Funding provides agile, non-dilutive funding solutions for modern enterprises. We bridge the gap between ambition and execution.
Redefining the architecture of commercial finance.
Traditional banking infrastructure is too slow for today's market velocity. At Magical Funding, we leverage data-driven underwriting to provide immediate capital injection, allowing founders and executives to focus on growth, not cash flow constraints.
FINTRAC
Regulated Entity
Compliance verified
$2.4B+
Capital Deployed
98%
Approval Rate
24h
Avg Funding Time
4.9/5
Client Trust Score
Strategic Capital Products
Bespoke financial instruments engineered for scale, stability, and speed.
Invoice Factoring
Unlock the capital trapped in your ledger. We advance up to 95% of your outstanding B2B invoices within 24 hours.
- ― Instant ledger syncing
- ― Non-recourse options available
Corporate Funding
Bespoke debt structures up to $50M for mid-market enterprises. Ideal for mergers, acquisitions, or aggressive expansion.
- ― Asset-based lending
- ― Tailored repayment schedules
Bridge Finance
Short-term, rapid-deployment capital designed to cover gaps or property transactions while long-term financing is secured.
- ― Terms from 1 to 24 months
- ― Pre/post-shipment funding
Frictionless Onboarding.
We've stripped away the legacy paperwork. Our proprietary API integrates directly with your accounting software to underwrite risk in real-time, removing weeks from the standard timeline.
Start your applicationInvoice Factoring
Convert outstanding invoices into immediate working capital. Don't let extended payment terms restrict your growth.
How our Factoring works
Unlike traditional bank loans that examine your company's credit history and demand physical collateral, our factoring facility is primarily based on the creditworthiness of your B2B customers.
Once you issue an invoice, simply upload it to our digital portal or let our API sync it automatically from your accounting software. We advance up to 95% of the invoice value within 24 hours.
Apply for FactoringNo New Debt
Factoring is not a loan; it is the sale of an asset. It keeps your balance sheet clean and protects your company's credit rating.
Scalable Funding
Your available funding grows linearly with your sales. The more invoices you generate, the more capital you can access.
Bad Debt Protection
Opt for our non-recourse factoring option, and we assume the credit risk. If your customer enters insolvency, you are protected.
Corporate Funding
Complex transactions require sophisticated capital structuring. We provide bespoke debt facilities up to $50M for mid-market enterprises.
Built for scale and complexity
Whether you are executing a strategic acquisition, funding an MBO, or requiring a significant working capital injection, our team designs structures that align with your cash flow profile.
We take a holistic view of your business, leveraging a mix of asset-based lending and cash-flow loans to maximize the quantum of funding available to you.
Apply for Corporate FundingMergers & Acquisitions
Leverage the assets of both the acquiring and target company to generate the necessary capital to close the transaction smoothly.
Asset-Based Lending (ABL)
Unlock the equity sitting dormant in your hard assets. We provide revolving lines of credit backed by inventory and equipment.
Flexible Covenants
We understand that businesses fluctuate. Our financial covenants are built to give you operational breathing room, not to trigger defaults.
Bridge Finance
When time is the most critical factor, standard underwriting timelines are unacceptable. We deploy short-term capital to seize immediate opportunities.
Bridging the gap to execution
Engineered purely for speed and flexibility. Whether acquiring commercial property at auction or experiencing a sudden disruption in your supply chain, we ensure you have the cash on hand.
Terms range from 1 to 24 months. Because the exit strategy is our primary focus, we can bypass rigorous historic checks that slow down conventional lenders, approving funds within days.
Apply for Bridge FinanceRapid Deployment
Heads of terms can be issued within 24 hours of inquiry, with funds deployed in as little as 3 to 5 business days for time-sensitive deals.
Real Estate Transactions
Perfect for securing commercial property purchases, auction buys, or funding light refurbishments prior to securing a commercial mortgage.
Supply Chain Finance
Pay overseas suppliers immediately to get goods on the water faster, smoothing out international trade cycles.
Privacy Policy
Last updated: June 2026
At Magical Funding, we prioritize the confidentiality, integrity, and security of your corporate and personal data. This comprehensive policy outlines our rigorous practices regarding data collection, usage, and protection across our digital infrastructure.
1. Comprehensive Data Collection
To facilitate rapid underwriting and risk assessment, we collect essential corporate and executive information. This includes, but is not limited to, real-time ledger data via secure API integrations (such as Xero, QuickBooks), historical financial performance, banking history, and KYC/AML verification documents for key executives.
2. Purpose and Usage of Information
The information we aggregate is utilized strictly for the purposes of algorithmic risk assessment, facility structuring, credit limit monitoring, and ongoing regulatory compliance. Magical Funding strictly prohibits the sale or unauthorized monetization of your financial data.
Terms of Service
Effective Date: June 1, 2026
By accessing the Magical Funding portal, API services, and utilizing our financial instruments, you unconditionally agree to be bound by these Terms of Service.
1. Platform Access
Access to the client portal and API infrastructure is heavily restricted to authorized personnel of registered entities. Clients are strictly responsible for maintaining the security of their cryptographic credentials.
2. Facility Structuring and Commitments
All funding facilities, indicative term sheets, and API-generated credit limits are subject to final manual underwriting approval and the execution of definitive master legal agreements.
Regulatory Status
Transparency and compliance form the cornerstone of Magical Funding's operational framework.
FINTRAC Registration
Magical Funding is a registered reporting entity with the Financial Transactions and Reports Analysis Centre of Canada (FINTRAC). We adhere strictly to Anti-Money Laundering (AML) and Anti-Terrorist Financing (ATF) regulations.
Security Disclosure
Protecting the financial integrity of our clients is paramount. Magical Funding employs enterprise-grade security protocols across our entire infrastructure.
Encryption Standards
All data in transit is secured via TLS 1.3 encryption. Data at rest is protected using AES-256 encryption within SOC 2 Type II certified data centers.
Continuous Monitoring
Our systems undergo 24/7 automated vulnerability scanning and annual third-party penetration testing to ensure the resilience of our digital infrastructure.