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Buy now, pay later
Access flexible payment terms designed for Canadian businesses. Secure, fast approval from a regulated lender.
Pay on your terms
Buy what you need today and settle the bill when it suits your business. We handle the risk so you can focus on growth.
Choose your payment plan
Pick the terms that work for your business.
Net 30 payment terms
Pay within 30 days of purchase. Best for steady, predictable orders.
Net 60 payment terms
Double your payment window. Ideal for larger purchases and seasonal cash flow planning.
Installment payment plans
Split payments into equal chunks over three to six months. Works for major equipment and bulk orders.
Fast approval, no friction
Most applications are reviewed and approved within 24 hours. We use automated checks and real-time data to keep things moving.
Tell us about your business
Provide basic company information, ownership details, and your expected monthly purchase volume. The form takes about five minutes.
We verify and assess
Our system checks your business registration, credit history, and financial standing. You'll hear back within one business day.
Start purchasing immediately
Once approved, your credit limit is active. Choose Net 30, Net 60, or installments at checkout and buy with confidence.
Why businesses choose us
Real benefits for real operations.
Preserve working capital
Keep cash on hand while you pay later. Better for inventory management and unexpected expenses.
Get paid instantly, always
Vectra Markets guarantees your payout. No chasing late payments or managing credit risk yourself.
Submit your details in minutes
Fill out a straightforward form with your company information and expected purchasing needs. No lengthy paperwork or site visits required.
Receive your credit decision fast
We review your application using automated checks and real business data. Most decisions come back within 24 hours.
Shop with your approved credit limit
Browse thousands of products from trusted vendors. At checkout, select Net 30, Net 60, or installments and complete your order.
Questions
Everything you need to know about financing on Vectra Markets.
Canadian SMEs and wholesalers with an established business can apply. We review your company history, credit profile, and operational track record to determine eligibility and credit limits.
Credit limits vary based on your business profile and payment history. Most approved buyers receive limits between $5,000 and $250,000, with the ability to request increases as your account matures.
No hidden fees. Some vendors may apply a small financing charge to their Net Terms pricing, clearly displayed at checkout. Standard credit card and EFT transactions carry no additional cost.
We report to Canadian credit bureaus. On-time payments build your business credit profile. Late payments may impact your score, just as with traditional credit.
All transactions are encrypted and processed through regulated financial institutions. Your information is protected by industry-standard security protocols and Canadian privacy laws.
Need more help?
Reach out to our support team anytime.
Ready to get started?
Apply for financing today and start purchasing with flexible payment terms.
Real results
Hear from Canadian businesses using Vectra Markets financing.
"Net 60 terms gave us the breathing room to manage cash flow while scaling operations."
"The approval process was fast and transparent. We were purchasing within days."
"Flexible payment options mean we can take on bigger orders without straining our budget."