4.9/5 (67 Reviews)
https://www.youtube.com/watch?v=u5Rr8tmXApQ
Fast Business Funding for Canadian Small Businesses
Access unsecured working capital in as little as 24 hours. Easy, flexible business funding.
Flexible Funding to Support Growth and Cash Flow
Complete a 5 minute application and receive $5,000 to $100,000 in 24 hours for qualifying companies
(4.9/5 67 reviews)
Does My Business Qualify?
- Located in Canada (excluding Quebec)
- $10,000+ in revenue each month for the last 6 months
We specialize in funding established small businesses that need fast, flexible working capital to manage cash flow gaps and growth opportunities.
No Credit Checks. No Collateral. No Surprises.
We provide unsecured business funding based on your cash flow, not your personal credit score or collateral, with clear terms from the start.
4.9 out of 5
based on Canadian business owner reviews
What Canadian business owners are saying
★★★★★
“Used these guys twice now! Service is phenomenal, fast response times, easy to work with and overall just a good team.”
Drew Redgrave
Auto Detailing Business
★★★★★
“Very responsive and easy to work with during a short-term cash flow situation. Application was straightforward, funding was quick.”
Dobally Sidibeh
Window Coverings Company
★★★★★
“Chris worked with me to secure same day financing when I needed working capital. Communication was very quick and informative.”
Kimberly Sinnett
Food & Beverage Catering
★★★★★
“Easy to deal with and they helped fund my business. Highly recommended.”
Lorephil Toledo
Property Management
★★★★★
“The process has consistently been straightforward and efficient. Communication has been simple and timely, moving quickly without confusion.”
W B
Boutique Retail
★★★★★
“Very detailed and very helpful, follow up was great, no push. Thank you for attending to my business cash flow.”
Damilola Akinlotan
Fresh Food Market
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Why Do You Need Working Capital?
Working capital is essential for the day-to-day operations of your business. It helps you cover expenses, manage cash flow gaps, and invest in growth opportunities while staying resilient through ups and downs.
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 reviews your application and sends you a funding offer.
Receive cash in less than 48 hours.
Repay automatically according to the terms outlined in your agreement.
Small Business Success Stories
How fast business funding and merchant cash advances help Canadian companies.
Knowledge Centre
Get The Funding You Need For Your Business
Skip the stress of traditional bank loans. Apply now and receive funds as soon as the same day for qualifying businesses.
Running a business is hard. Capital Advance is easy.
Discover Your Funding Potential
Input your monthly revenue to get prequalified.
No Indiscriminate Debt Stacking
We understand the unique challenges small businesses face, which is why we are committed to responsible lending practices. Unlike many other lenders, we do not engage in indiscriminate debt stacking or burden your business with unnecessary debt. Instead, we tailor our funding solutions to support 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 funding ahead of schedule, reducing costs and freeing up capital for other critical business needs.
Additional Capital Availability
We recognize that business needs can change rapidly. If you require additional funds before fully repaying your existing funding, we may be able to help. Our flexible options allow you to access additional capital without the hassle of starting a new application.
Our Partnership Promise
We believe in the power of partnership. Our mission is to support small businesses across Canada with more than just capital – offering guidance, expertise, and a commitment to your growth.
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
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. As a direct business lender in Canada, we review and approve applications in-house rather than passing them to a third party. Many owners find us while searching for “business loans fast funding”, and dealing directly with the lender is what makes that speed possible.
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. For businesses that qualify, we can arrange same-day business funding when the need is time-sensitive. We also offer unsecured business loans in Canada to owners who meet these revenue requirements.
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. Our merchant cash advance in Canada provides you with a lump sum, which is repaid as a small percentage of your future sales. Business owners in the Greater Toronto Area often choose our merchant cash advance in Ontario for its flexible, sales-based repayment.
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. If the bank has declined you, we are a practical small business loan alternative to a bank.
Does Capital Advance fund startups or pre-revenue businesses?
Capital Advance does not provide startup business funding in Canada. We fund established businesses with steady monthly revenue, and many owners come to us for fast business loan funding once they are past the startup stage. Because approval is based on revenue, qualifying companies can access same-day business funding without a lengthy bank process.
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. Depending on your cash flow, you may still qualify for an additional merchant cash advance in Ontario. We can also approve funding within 24 hours once your application is reviewed.
Does Capital Advance provide unsecured business loans?
Capital Advance provides only unsecured products. Unlike a bank loan which typically requires collateral. This means we can offer a no-collateral business loan in Canada based on your revenue rather than your assets. Our unsecured business loans in Canada never ask you to pledge personal or business property as security.
Does Capital Advance provide personal loans?
Capital Advance does not provide personal lending. We focus solely on business financing, including a merchant cash advance in Canada for companies with steady sales. For qualifying businesses, we can often complete approval and funding within 24 hours.
