4.9 (31 Reviews)
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Tailored Funding for Canadian Small Businesses
Make sure you have the working capital you require.
Discover Your Funding Potential
Grow Your Business on Your Terms With Flexible Funding Solutions
Complete a 5 minute application and receive $5,000 to $100,000 in 24 hours for Qualifying Companies
(4.9/31 reviews)
Does My Business Qualify?
- Located in Canada*
- Generating at least $10,000 each month in sales for the last 6 months
*excluding Quebec
No Credit Checks. No Collateral. No Surprises.
96
Increase in Overall Business
847
Supported Small Businesses
231
Businesses Borrow
Why Do You Need Working Capital?
Working capital is essential for the day-to-day operations of a business. It is the lifeblood of a business, facilitating its day-to-day operations, supporting growth initiatives, and ensuring resilience in the face of economic fluctuations.
Smooth Operations
Working capital ensures that a company can meet its short-term obligations like paying salaries, purchasing raw materials, and covering other operational expenses.
Buffer Against Uncertainty
It provides a cushion against unexpected expenses or dips in revenue. Without adequate working capital, a business might struggle to navigate through temporary setbacks.
Supports Growth
Sufficient working capital allows a company to invest in growth opportunities such as expanding production capacity, launching new products, or entering new markets.
Supplier Relationships
Maintaining healthy working capital levels can strengthen relationships with suppliers by ensuring timely payments. This can lead to favorable credit terms and discounts, ultimately improving the company’s bottom line.
Customer Confidence
Customers prefer to deal with financially stable businesses. Adequate working capital signals financial health and stability, which can enhance trust and confidence among customers and stakeholders.
Flexibility
With working capital at hand, a company can respond quickly to market opportunities or unexpected challenges, adapting its strategies as needed without being constrained by financial limitations.
How Does Working Capital From Capital Advance Work?
Fill out our online application.
Securely provide banking information.
Our team will review your application and provide an offer.
Receive cash in less than 48 hours.
Repayment is made from the terms set out in our agreement.
Knowledge Centre
Get The Funding You Need For Your Business
The no-stress alternative to traditional business funding. Apply now and receive funds same day! Contact us to find out if you qualify!
Running a business is hard. Capital Advance is easy.
Discover Your Funding Potential
Input your monthly revenue to get prequalified.
No Indiscriminate Debt Stacking
At Capital Advance, we understand the unique challenges that small businesses face. That’s why we are committed to responsible lending practices. Unlike many other lenders, we do not engage in indiscriminate debt stacking. This means we won’t burden your business with unnecessary debt. Instead, we tailor our loan solutions to meet your specific needs, ensuring sustainable growth and financial stability.
Early Repayment Discounts
We value your commitment to financial health and reward early repayment. With our early repayment discount, you can save money by paying off your loan ahead of schedule. This not only reduces your interest costs but also frees up capital for other critical business needs. It’s our way of saying thank you for prioritizing your financial responsibilities.
Additional Capital Availability
At Capital Advance, we recognize that business needs can change rapidly. If you require additional funds before fully repaying your existing loan, we are here to help. Our flexible lending options allow you to access additional capital without the hassle of starting a new loan application. This ensures that your business can seize opportunities as they arise, without interruption.
Our Partnership Promise
We believe in the power of partnership. Our mission is to ally with small businesses across Canada to drive success. We provide more than just financial support; we offer guidance, expertise, and a commitment to your growth. When you choose Capital Advance, you are choosing a partner dedicated to helping your business thrive.
Clients Who Trust Us
Our clients are what make us who we are. We are grateful to help these businesses find the financing they need.
What Our Clients Say
Chris was fantastic throughout my process as he's always available to answer any questions. His knowledge and professionalism made the experience stress-free. Highly recommend!
Very quick to get the application approved in one day and very good service. Highly recommended for a growing business.
I have been dealing with Chris for the past year .. he has helped me a lot with my new business easy to deal fast and over all a great customer service.. if anybody is looking for a small funding fot there business this is the right company .
This company have been great to me in my business. Always coming through for me. Thanks Chris… you’re amazing
Amazing service, top notch knowledge and helping businesses build and grow!! They are win win
Needed a quick injection of cash and they were great to work with and had easy terms.
If there was a zero, I would leave it. They lie when they say it’s a 24 to 48 hour process all my documentation lines up with their qualifications and still declined and now they can see your accounts once you fill out their banking forms to me it seems like a scam and I Strongly believe they delete all their ones star to four star comments so I will be screenshot this and post it everywhere regardless. Also their call centre and management do not answer half the time and give you phone numbers that are not. Registered. Scam is the first thing that comes to mind with this company.
I highly recommend Capital Advance, the whole process was fast and simple. George was such a pleasure working with, he helped me every step of the way and truly seems to care about my business! Huge thank you to George and his team.
Capital Advance especially to Chris D helped me a lot of my loan so that I have the funds for the downpayment in purchasing a new business. It was pretty straightforward requirements. The staff are friendly and professional. I highly recommend them to everyone. Thank you so much!❤️🥰
I have never seen such professionalism, as a business owner. I have been dealing Chris D, and he was very open and honest with our dealings. He was able to help me in all areas, and also very quick funding. Any problems I had, they were solved very quickly and professionally. I would give them a 5* rating. Anyone needing help with business funding? Capital Advance should be your first and only stop. Ask for Chris D!
General FAQ
Is Capital Advance a direct lender or broker?
Capital Advance is a direct lender. We do not work with brokers and will never share or sell your information.
What are the minimum requirements for Business Funding in Canada?
Capital Advance requires you to have an established Canadian business for at least 6 months, that consistently generates more than $10,000 in gross revenue each month. At this time we do not provide funding in Quebec.
What products do you offer that are a business loan alternative?
We provide short-term small business funding and merchant cash advances to small businesses in Canada.
If I didn’t qualify for a small business loan from my bank will Capital Advance approve me?
It is very likely that we will be able to provide you with quick short term funding, even if you are not eligible for a business loan from your bank. Business loans require a minimum of 2 years in business, Capital Advance requires 6 months in business. A business loan requires a minimum credit score, Capital Advance does not do a credit check.
Does Capital Advance fund startups or pre-revenue businesses?
Capital Advance does not provide startup business funding in Canada.
If I have a business loan, other term funding or a merchant cash advance will I still qualify?
Capital Advance will provide you capital even if you have an existing loan, line of credit or funding from another alternative lender. We will however assess your current debt obligation and balances to determine how much business capital finance you qualify for.
Does Capital Advance provide unsecured business loans?
Capital Advance provides only unsecured products. Unlike a bank loan which typically requires collateral.
Does Capital Advance provide personal loans?
Capital Advance does not provide personal lending.
