Capital with a human attached to it
An independent Canadian funder built around a simple idea: the person deciding on your file should also be the person who answers when you call.
Our story
Started because too many good businesses heard no
The pattern that started AM Capital shows up every week. A contractor with signed work on the books cannot get the money to buy materials. Profitable, years in business, declined in minutes by a system that never looked at a single invoice.
That is the gap we exist to close. Canadian small businesses carry most of the private sector employment in this country, and the traditional lending system still evaluates them with tools designed for corporate balance sheets. We built the opposite: fast underwriting based on real revenue, run by people who can pick up a phone and ask a question instead of clicking decline.
Today AM Capital funds restaurants, retail shops, construction firms, electrical contractors, event companies and dozens of other trades across every province, usually within 24 hours of signing.
What we hold ourselves to
Our mission is to make working capital available to every viable Canadian business, priced honestly, delivered fast, and explained in plain language.
Total transparency
You see the full cost of capital, the payment schedule and the payoff figure before you sign. If a number would surprise you later, we put it in front of you now.
Speed as a service
Cash flow problems have expiry dates. A decision three weeks late is a decline. We move at the speed the problem actually requires.
Judgment over algorithms
A soft quarter is not a character flaw. Real underwriters read your file, ask questions, and weigh the business you are actually running.
What makes AM Capital different
A direct funder, not a broker
Your file never gets shopped to a dozen lenders, and your information never becomes a lead somebody else buys. The money moves from our account to yours, which is also why we can move in a day.
A fixed cost, never compounding interest
You agree to one total cost of capital up front. It does not grow if repayment takes longer, and there is no penalty for clearing it early.
One rep with a real cell number
You get a named funding rep from the first call through every renewal after. No queue, no ticket number, no re-explaining your business to somebody new every quarter.
Renewals by text, not by application
Once you have payment history with us, additional capital is a message to your rep rather than a fresh application package and another round of underwriting.
Let us talk about your business
Ten minutes on the phone will tell you more than ten days of applications. Find out where you stand today.