Serving businesses in every province and territory
Mon to Fri, 8:00am to 8:00pm ETinfo@canadaloanexperts.com1-888-555-0137
Financing Solutions

Six ways to fund your business. One conversation to find the right one.

Each product below solves a different problem. Your funding advisor will tell you which fits and show you the total cost in dollars. If none of them is right for you, we'll say that too.

Merchant Cash Advance

Fast capital, repaid from your sales

You receive a lump sum today. In exchange, the funder purchases a fixed amount of your future receivables, collected as a daily or weekly remittance by pre-authorized debit until the agreed total is repaid. It is not a loan, which is why it's priced with a factor rate and approved on revenue rather than credit.

  • Best for: urgent repairs, inventory ahead of a busy season, bridging a slow month, or when credit is a barrier elsewhere
  • Amounts: $10,000 to $500,000, typically 1 to 1.5 times monthly revenue
  • Estimated term: 3 to 18 months
  • Watch for: higher total cost than a term loan. Make sure the remittance fits your daily cash flow. We'll model it with you.

Example

Illustrative only. Offers vary by funder, revenue and time in business.

  • Advance amount$50,000
  • Factor rate1.25
  • Total payback$62,500
  • Estimated term8 months
  • Daily remittanceabout $372
Check eligibility

Example

Illustrative only. Rates vary by funder and credit profile.

  • Loan amount$50,000
  • Term12 months
  • Annual interest rate18%
  • Monthly payment$4,584
  • Total payback$55,008
Check eligibility
Business Term Loan

Predictable payments for planned investments

A lump sum repaid in fixed weekly, bi-weekly or monthly payments over a set term. Lower cost than an advance, slightly more documentation, and the right tool when you know exactly what the money will do.

  • Best for: renovations, a second location, buying out a partner, consolidating higher-cost advances
  • Amounts: $10,000 to $500,000
  • Term: 6 to 24 months, longer for stronger files
  • Typically needs: 12+ months in business and a credit score in the 600s or better
Business Line of Credit

Approved once. Draw when you need it.

A revolving limit you can draw against, repay, and draw again. You pay only on the balance you use, which makes it the most cost-efficient option for businesses with uneven cash flow.

  • Best for: payroll gaps, surprise repairs, taking supplier discounts for early payment
  • Limits: $10,000 to $250,000
  • Cost: interest or a draw fee only on funds used
  • Typically needs: 12+ months in business and consistent deposits

Not sure which product fits?

Tell your advisor what the money is for and how fast you need it. The answer is usually obvious within a few minutes.

  • Need it this week and credit is thin: advance
  • Planned project, want the lowest cost: term loan
  • Don't know when you'll need it: line of credit
  • Buying a specific asset: equipment financing
  • Customers pay you late: invoice factoring
Call 1-888-555-0137
Equipment Financing

Fund the asset with the asset

Trucks, machinery, kitchen equipment, medical and dental devices, salon fit-outs. The equipment secures the financing, so terms run longer and cost runs lower than unsecured options. New and used accepted. Up to 100% of cost, 12 to 60 months.

Invoice Factoring

Get paid now on invoices due later

Sell outstanding B2B invoices and receive up to 90% of face value within 24 to 48 hours, with the balance less a fee when your customer pays. Approval is based on your customers' credit, not yours. Ideal for trucking, staffing, contractors and wholesalers.

Payment Processing

Lower your card fees while you're at it

As a registered ISO we set up and service merchant accounts for Visa, Mastercard, Interac and Amex, including terminals, POS and online payments. Send us a recent statement and we'll show you in dollars what you'd save. Available with or without funding.

Find out what you qualify for

Two minutes online, then a call with a real advisor. No cost, no obligation, no impact on your credit.

Check My Eligibility
Call nowCheck eligibility