Working capital for Canadian business, without the wait
AM Capital funds the businesses banks keep declining. Money for inventory, payroll, equipment and growth, approved on your revenue rather than your paperwork.
$10K to $2M
Funded within 24 hours
No collateral
Your assets stay yours
Restaurants · Retail stores · Construction · Electricians · Event companies · Trucking · Salons and spas · Auto shops · Cafes · Grocery · HVAC · Catering · Restaurants · Retail stores · Construction · Electricians · Event companies · Trucking · Salons and spas · Auto shops · Cafes · Grocery · HVAC · Catering ·
$10K to $2M
Funding range for Canadian businesses
6 months
Minimum time in business to qualify
$15,000
Monthly revenue to qualify
Canada wide
Every province, based in Toronto
Why AM Capital
Funding built for how small business actually works
Banks underwrite the past. We underwrite the business you are running right now, with terms that flex when your revenue does.
A decision from a person, not an algorithm
Three documents and one phone call. A real underwriter reads your file, and if something looks off we call and ask rather than declining. No appraisals, no committee, no waiting on a branch manager.
One fixed cost, disclosed before you sign
No compounding interest, no origination fee, no prepayment penalty buried on page nine. You see the amount funded, the total cost and the payoff figure on one page.
Payments that follow your sales
Choose fixed daily or weekly remittance, or a flexible percentage of revenue. Slow February at the restaurant means a smaller payment. That is the whole point of working capital.
Business funding for every kind of cash flow gap
Use the capital however the business needs it. We do not restrict spend and we do not ask for a line by line budget.
Inventory purchase funding
Buy deep, buy early, buy at the bulk price. Fund seasonal stock, container orders and supplier discounts without draining the operating account.
Payroll and cash flow bridge
Cover payroll, rent, CRA remittances and supplier invoices while receivables are still in transit. Bridge the gap without a single missed pay period.
Equipment and project capital
Mobilization costs, materials, a second crew, a new van or a kitchen line. Take the bigger contract without waiting on the last one to get paid.
How the money reaches you
No secrets and no surprises at any step of the process.
1
Apply in about ten minutes
Send the application, six months of business bank statements and a void cheque. No business plan, no projections, no tax returns.
2
Talk to a real underwriter
A person reads your file and calls you. If something needs explaining, we ask about it rather than declining on the spot.
3
See the full cost before you sign
Amount funded, total cost of capital, payment schedule and payoff figure, all on one page. Ask anything you want before you commit.
4
Funds land in your account
Sign electronically and the money moves within 24 hours. When you need more capital later, text your rep rather than starting a new application.
We answer the phone. We fund the file. Same people, every time.
AM Capital was built by people who watched good Canadian businesses get declined for reasons that had nothing to do with whether they could pay. A slow quarter. A thin credit file. An industry code an algorithm did not like.
- A direct funder, so the money comes from our account rather than a marketplace
- One dedicated funding rep with a direct cell number
- Full cost of capital shown before you sign anything
Find out what you qualify for in under ten minutes
No cost, no obligation, and no hit to your credit to check. Tell us what the business needs and we will tell you what is possible today.