Keep your business running smoothly with flexible working capital funding. Cover daily expenses, payroll, and inventory without the stress.
A working capital loan provides funding to cover your day-to-day business expenses. Unlike long-term business loans used for major investments, working capital loans are designed to keep your operations running smoothly — covering payroll, rent, utilities, inventory purchases, and unexpected expenses.
Whether you're experiencing seasonal fluctuations, launching a new product, or simply need a cash flow boost, working capital loans give you the flexibility to manage your business without worrying about money gaps.
Quick funding from 3 to 18 months. Ideal for immediate cash needs with fast approval times.
Flexible revolving credit you can draw from as needed. Pay interest only on what you use.
Get advance payments on outstanding invoices to improve cash flow without taking on debt.
Based on your credit card sales volume. Repay automatically as you process transactions.
| Lender Type | Typical Amount | Best For |
|---|---|---|
| Banks | $10,000 - $500,000 | Established businesses with strong credit |
| Credit Unions | $5,000 - $250,000 | Small businesses with existing relationships |
| Alternative Lenders | $5,000 - $300,000 | Fast funding, flexible requirements |
| Online Lenders | $1,000 - $200,000 | Quick approval, less documentation |
580+ for most lenders. Alternative lenders may accept lower scores.
Minimum 6 months to 2 years depending on lender type.
Proof of consistent monthly revenue. Typically $5,000+/month minimum.
Keep your team paid even when revenue dips seasonally.
Stock up on products during bulk discount opportunities.
Fix equipment or facility issues before they impact operations.
Take on new contracts or expand when the timing is right.
Our network of lenders specializes in working capital loans for Canadian businesses. Get matched with the right option for your needs.
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