Business Loans
Working capital, term loans, lines of credit and merchant cash advances for incorporated and sole-proprietor businesses with real revenue on the books.
$10,000 – $200,000
Business financingCanadian lending network
Loans from $10K to $200K, matched to the right lender.
Business, commercial and personal financing for Canadians. One short application is reviewed against private lenders in our network. Lenders can often decide within 24 hours, and if you are approved, funds can arrive within 48 hours.
- Free to apply. We never charge application or processing fees
- No obligation to accept any offer
- One specialist handles your file from start to finish
Approval, rates, terms and funding times are set by each lender and are not guaranteed.
How much do you need?Drag to adjust
$75,000
$10K
$200K
- Est. monthly
- $3,502
- Typical funding*
- 48 hrs
Illustrative estimate only, based on a 21.5% average short-term APR. APRs range from 7.99% to 35%, over 3 to 84 months depending on the product. It is not a quote or an offer of credit. Long-term rates are variable. Canada Capital Finance is not a lender; your actual rate, payment and term depend on your credit profile and are set by the lender, if you are approved. *After a lender approves a complete application. Timing varies by lender and is not guaranteed.
What we help with
Three loan categories. One network.
We focus on one range: $10,000 to $200,000. Many borrowers in that range find it harder to get attention from traditional lenders, so that is where we concentrate.
Commercial Loans
Equipment, fleet, leasehold improvements, property costs and expansion capital for operators putting money into assets that pay for themselves.
$25,000 – $200,000
Commercial financingPersonal Loans
Debt consolidation, home improvement, medical costs and the large one-time expenses that a credit card is the wrong instrument for.
$10,000 – $75,000
Personal financingThe process
Three steps, and none of them involve a branch.
Apply online
One form that takes about ten minutes, with no documents needed to start. Tell us the amount, the purpose and enough about your business or income to match you with a lender.
Review your options
A specialist reviews your file and aims to contact you within 24 hours. If a lender makes an offer, it sets out the amount, rate, term and total cost in writing.
Decide, then get funded
You choose whether to accept. If you sign, lenders typically release funds within 48 hours of approval. Timing depends on the lender and your documents.
Why this network
We are not trying to be everyone's lender.
Under $10,000, a line of credit or a credit union loan will often cost you less than the lenders in our network can offer. We say so on the form. Above $200,000, a commercial banker is usually a better fit. We focus on the range in between.
- One application reaches a panel of Canadian funders, not a single balance sheet
- Lenders disclose the total cost of borrowing before you sign anything
- Prepayment terms explained before you commit. They vary by lender
- Less-than-perfect credit can still apply. Approval is up to the lender
48 hrs
Typical time to funding after lender approval. Not guaranteed
$200K
Maximum loan amount available through our network
6 mo
Trading history most lenders look for on business products
$0
Charged to apply, at any stage
Products
The full shelf.
The right structure matters as much as the approval. Here are the products lenders in our network offer, and what each one is suited to.
Merchant Cash Advance
An advance against future card sales, repaid as a small slice of each day's takings. Built for retail and hospitality with uneven weeks.
DetailsBusiness Line of Credit
Draw what you need, pay interest only on what you draw, repay and draw again. The right tool for cash-flow gaps rather than one-time purchases.
DetailsEquipment Financing
The asset secures the loan, which can mean a lower rate and a longer term. Vehicles, machinery, kitchen fit-outs, production lines.
DetailsInvoice Factoring
Turn 30-, 60- and 90-day receivables into cash sooner. You are borrowing against work already delivered, so approval often weighs your customers' credit.
DetailsDebt Consolidation
Replace several high-rate balances with one payment on a known end date. Only worth doing if the total cost of borrowing actually falls.
DetailsCommercial Term Loan
A fixed amount over a fixed term at a fixed payment, for expansion, renovation or acquisition. The most predictable money on the shelf.
DetailsExample scenarios
How borrowers typically use this range.
A restaurant needs to replace failed kitchen equipment quickly. An equipment loan secured on the new unit can spread the cost over its working life.
A manufacturer wins a large order and needs machinery before the revenue arrives. A commercial term loan gives a fixed payment schedule to plan around.
A household carries balances on several credit cards. A consolidation loan can replace them with one payment. Compare the total interest both ways before deciding.
These are illustrative examples, not customer testimonials. There is no guarantee of approval or of any specific result. Outcomes, amounts, rates and timing vary by lender and applicant.
Common questions
Answered plainly.
How fast can I get the money?
It depends on the lender and on how quickly your documents come in. We aim to review a
complete application within 24 hours, and lenders can often decide within 24 hours.
When a lender approves and you accept, funds typically arrive within 48 hours of
approval. Timing is not guaranteed,
and missing bank statements are the most common cause of delay.
Why don't you help with amounts under $10,000?
Because the lenders in our network would often be the more expensive option. Below
$10,000, a bank line of credit, a credit union loan or a low-rate card often costs less.
We would rather tell you that than take the file.
Will applying affect my credit score?
Participating lenders may check your credit to assess your application, and some of
those checks can appear on your credit file. Ask your specialist which kind of check a
lender will use before you agree to move ahead with that lender.
What do lenders look for on a business loan?
Criteria vary, but lenders in our network commonly look for about six months of trading
history, at least $10,000 in monthly revenue, a Canadian business bank account and a
director who can give a personal guarantee. Meeting them does not guarantee approval.
Is there a fee to apply?
No. We charge no application or processing fee. If you take a loan, the lender's
interest and fees apply and are disclosed before you sign. If anyone asks you for money
up front to secure a loan, that is not us.