Business funding and working capital services
$10,000 to $2,000,000 for Canadian businesses doing $15,000 or more per month in revenue. One application covers every product below.
Six ways we put capital to work
Every product below runs on the same fast underwriting and the same transparent cost of capital. Your rep will point you to the right structure on the first call.
Inventory purchase funding
Capital to buy stock ahead of your season, hit supplier volume pricing, or clear a container that is landing next week. Repay as the inventory sells through.
Payroll funding
Make payroll on time, including CRA source deductions, WSIB and vacation pay, while receivables are still weeks out. Bridge the gap and keep the crew.
Equipment and vehicle capital
New van, kitchen line, excavator, POS system or a full shop retrofit. Buy it outright and own it, with no lease and no lien on the rest of your assets.
Expansion and location capital
Second location, renovation, leasehold improvements or a marketing push that finally has a budget behind it. Fund growth without giving up equity.
Project and mobilization capital
Take the contract that is bigger than your bank balance. Cover materials, subs, permits and mobilization now, then repay as draws and progress billings land.
Consolidation and buyout
Stacked with two or three other advances? We will buy out the expensive positions and consolidate you into one payment on one predictable schedule.
Four steps from application to money in the bank
1
Apply in about ten minutes
We ask for three things: a completed application, six months of business bank statements, and a void cheque. No business plan, no projections, no tax returns.
2
Get a real decision the same day
A human underwriter reviews your file, usually within a few hours. If something looks off we call and ask rather than declining. You get a yes or a no, not a maybe.
3
See your full cost before signing
The amount funded, the total cost of capital, the payment amount and the payoff figure, all on one page. Nothing is hidden and nothing changes after signature.
4
Funds land within 24 hours
Sign electronically and the money is deposited to your business account. When you need more capital later, text your rep rather than reapplying.
Here is how you qualify
If you check these three boxes, there is a very good chance we can fund you.
Based in Canada
Your business operates in Canada and holds a business bank account here. We fund in every province.
6 months in operation
You have been trading at least six months. Newer businesses past that first half year are welcome.
$15,000 monthly revenue
Consistent deposits of roughly $15,000 or more per month. Credit score is a factor, not a gate.
Questions we get every day
How fast can I actually get funded?
Most complete applications receive a decision the same business day. Once you sign, funds are typically deposited within 24 hours. The slowest part is usually waiting on bank statements, not us.
Will bad credit disqualify me?
No. Credit is one input among several and it is rarely the deciding one. We weight consistent monthly revenue, deposit patterns, time in business and industry far more heavily.
Do I need collateral?
No collateral is required. We do not take your home, vehicles or equipment as security. Most agreements include a standard personal guarantee of performance, which your rep will walk through line by line before you sign.
What does it cost, and is there interest?
You pay a single fixed cost of capital agreed up front, not compounding interest. It does not increase if repayment takes longer than expected, and paying off early earns a discount rather than a penalty.
What can I use the funding for?
Any legitimate business purpose: inventory, payroll, rent, CRA remittances, equipment, renovations, marketing, hiring, paying down more expensive debt, or holding a cash buffer through a slow season. We do not restrict spend or require receipts.
How do repayments work?
You choose. Fixed daily or weekly debits give you a predictable number to budget against. Flex repayment takes an agreed percentage of daily sales instead, so payments fall automatically when revenue does. That suits seasonal restaurants, retail and event businesses.
Get your funding options in one call
No cost to apply, and no obligation to accept an offer.