Two shop owners in aprons smiling in their store

Monthly revenue over $15,000 · Approvals can come the same day · Repayment matched to cash flow

Working capital when your business needs it

Funds for inventory, payroll and growth, for businesses bringing in over $15,000 a month.

The short answer

A working capital loan gives your business short-term funds for payroll, inventory, materials or a slow season, sized mainly on your revenue rather than your equipment. It suits Canadian businesses with monthly revenue over $15,000 that need cash before their next invoices are paid. You repay from incoming revenue, and approvals can come the same day.

Growing businesses often hit the same gap: the next opportunity needs cash before the last invoice pays. Working capital financing is built for exactly this, with short-term funds sized to your monthly revenue and repaid as money comes in.

Because approvals rest mainly on bank-statement revenue rather than collateral, these facilities move quickly. We place each file with lenders suited to your revenue range and industry, and we size the facility so the repayments fit your margins.

Why CBL

What you can expect

Speed when timing matters
Approvals can come the same day for complete files.
Based on revenue
Many working capital programs look mainly at bank-statement revenue, so you usually don’t pledge specific equipment.
Repayment aligned to cash flow
Daily, weekly or monthly remittance to match how revenue arrives.
Use funds where needed
Payroll, inventory, materials, tax obligations, or the deposit on your next contract.

Our partners

Lenders we work with

Banks, credit unions and specialty lenders across Canada. We match your file to the ones that fit it.

How it works

A straightforward process

Step 1
Provide recent bank statements
Lenders look closely at your recent business bank statements. They’re the core of the application.
Step 2
We size and place the facility
The right amount from the right lender, structured so repayment fits your margins.
Step 3
Receive funds
Funds are sent to your business account once you sign the approval.

A boutique owner with a notepad taking stock beside a clothing rack and wrapped parcels

Eligibility

What lenders look for

Requirements vary by program. Not sure you qualify? Apply and a person at CBL will review your file.

Monthly revenue over $15,000, with consistent deposits
Canadian business bank account
All industries considered, including seasonal businesses

FAQ

Questions owners ask

How quickly can working capital arrive?

Approvals can come the same day for complete files, with funding following once the paperwork is signed. Having recent business bank statements ready keeps things moving. To qualify for working capital, your business needs monthly revenue over $15,000.

Working capital loan or line of credit: which is right for me?

It depends on the need: a working capital loan suits a defined, one-time expense, and a line of credit suits costs that come and go. The loan gives you a lump sum that pays down on a fixed schedule. A line stays open to draw, repay and draw again, with interest only on what you use.

What if my credit is less than perfect?

You may still qualify, though challenged credit usually changes the structure of the deal, for example a larger first payment or additional security. As a broker, we can take your file to other lenders when one says no.