Working Capital Loan in Canada

Secure a working capital loan to smoothly manage daily business operations, ensuring steady cash flow for expenses like payroll and inventory, and maintain financial flexibility for growth opportunities.

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What is a working capital loan?

Our working capital loans are tailored to support the everyday financial needs of your business, offering a lifeline for managing seasonal fluctuations, covering operational expenses, or capitalizing on new business opportunities. Whether you’re aiming to maintain smooth operations or seize growth chances, our small business loans deliver the essential funding required. With a diverse range of options, including long-term and short-term business loans, secured, and unsecured loans, we ensure you find the perfect fit to keep your business operating efficiently.

What are the benefits of a working capital loan?

  • Prompt Funding: Access funds quickly to ensure uninterrupted business operations.
  • Flexible Repayment Options: We provide structured repayment plans, including micro repayments based on a percentage of your daily sales, tailored to your borrowing capacity.
  • Competitive Rates: Benefit from competitive interest rates that support your business’s financial health.
  • Streamlined Process: Our application process is straightforward, requiring minimal paperwork.
  • Professional Advice: Our team provides expert guidance tailored to your business needs.

Am I eligible for working capital loans?

  • Location: Your company must be located in Canada.
  • Lease: You should have a valid commercial lease.
  • Sales: Average monthly sales of at least $15,000.
  • Operational Duration: Your business should be in operation for a minimum of 6 months.
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Working Capital Loan Benefits

Enhanced Cash Flow Management

This infusion of cash helps businesses maintain smooth operations, especially during periods of reduced cash flow or seasonal fluctuations. It ensures that businesses can continue their day-to-day activities without interruption, even when customer payments are delayed or sales are inconsistent.

Opportunity for Growth and Expansion

With the financial flexibility that working capital loans offer, businesses can seize growth opportunities that they might otherwise miss. This could include taking advantage of bulk purchase discounts, investing in marketing campaigns, expanding product lines, or entering new markets.

No Need to Sacrifice Equity or Business Control

Unlike equity financing where a portion of business ownership is given up, working capital loans do not require equity dilution. Business owners retain full control over their operations and decision-making. This aspect is particularly appealing to small and medium-sized business owners who wish to maintain independence and full control of their business strategies and management.

    How To Apply For Working Capital Loans

  • Apply for Loan: Start by submitting an application with us.
  • Assessment: We swiftly evaluate your application. Receive a response within 24-48 hours.
  • Decision: You'll receive a decision quickly, with transparent and understandable terms.
  • Funding: The funds are transferred directly to your business account for timely access.
  • Apply Now

Working Capital Loan FAQ