Stop Waiting for the Bank to Say Yes

Most Canadian lenders look at your business revenue (typically $10K+/month minimum), time in business (usually 6+ months), and personal credit score. However, our network includes lenders who work with newer businesses, lower revenues, and credit challenges. Submit an application to see what options match your situation.

Requirements vary by lender, but conventional business loans typically prefer scores of 650+. The good news: alternative lenders in our network often work with scores of 550-650, and some don't have strict score requirements. We match you with lenders based on your overall business profile, not just your credit score.

Yes. While traditional banks are strict, alternative lenders focus on your business performance rather than credit history alone. We work with lenders who approve businesses with credit challenges, higher risk profiles, or past financial difficulties. Interest rates may be higher, but funding is often available when banks say no.

Speed depends on the lender and loan type. Online alternative lenders can often fund qualified applicants within 24-72 hours. Traditional bank loans may take 1-4 weeks. Our specialists work to match you with the fastest available options for your situation — many clients get funded within a day or two of approval.

A business loan provides a lump sum upfront that you repay with interest over a set term. A line of credit gives you flexible access to funds (up to a limit) — you only pay interest on what you use, and can draw and repay repeatedly. Lines of credit are better for ongoing cash flow needs; loans are better for one-time investments like equipment or expansion.

Not always. While some lenders require collateral (equipment, real estate, or inventory), many offer unsecured loans based on business revenue and creditworthiness. Equipment financing uses the purchased equipment as collateral. Our specialists can match you with lenders whose collateral requirements fit your situation.