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Small Business Term Funding

Flexible Capital Solutions for Canadian Small Businesses — $5,000 to $100,000 in Funding

Running and growing a business comes with challenges—and sometimes, you need capital to move forward. At Capital Advance, our Small Business Term Funding provides access to flexible, unsecured funding from $5,000 to $100,000, tailored specifically for Canadian small and medium-sized businesses.

Whether you’re launching a new product, upgrading equipment, hiring staff, or stabilizing cash flow, our term funding gives you the financial boost to focus on growth—with predictable payments and fast approvals.

What Is Small Business Term Funding?

Small Business Term Funding is a type of working capital funding that allows businesses to borrow a lump sum and repay it over a fixed period with regular, predictable payments. Unlike traditional bank loans, our term funding is unsecured, faster to access, and easier to qualify for—designed specifically to support small businesses across Canada.

We serve a wide range of industries including retail, professional services, construction, e-commerce, and hospitality. If your business needs funding to grow or overcome short-term challenges, this is the solution.

Product Overview

  • Funding Amounts: $5,000 – $100,000
  • Approval Time: As fast as 24 hours
  • Repayment: Fixed daily or weekly payments
  • Eligibility:
    • Canadian-based business
    • Operating for at least 6 months
    • Monthly revenue of $10,000 or more
  • Credit Score: All credit types considered

Why Choose Capital Advance?

We know business funding in Canada can feel overly complex or slow. That’s why our process is designed with small business owners in mind—fast, flexible, and transparent.

✔ Fast & Reliable Funding

Our streamlined application and underwriting process mean funds can be in your account in as little as 24 hours.

✔ No Collateral Required

We offer unsecured business funding, so you don’t have to put your assets on the line to access capital.

✔ Easy Qualification

We look at the overall health and consistency of your business—not just your credit score—making our funding accessible to more business owners.

✔ Predictable Repayment Terms

Our fixed daily or weekly payment schedules are easy to manage, helping you budget with confidence.

✔ Early Payment Benefits

Pay off early and save. We offer discounts for early repayment, giving you more flexibility and control.

✔ Dedicated Support

From application to repayment, our experienced advisors are here to help you navigate every step.

Use Cases for Term Funding

  • Small Business Term Funding can be used in countless ways to strengthen your operations and fuel your future growth. Common uses include:
    • Inventory purchases during high-demand seasons
    • Upgrading equipment or expanding services
    • Hiring new staff or increasing payroll during growth spurts
    • Covering leasehold improvements or renovations
    • Marketing campaigns and customer acquisition
    • Bridging cash flow gaps due to delayed invoices

    Whether your goal is to stabilize operations or take advantage of a growth opportunity, our funding adapts to your business needs.

How It Works

  1. Apply Online in Minutes

Our application is short and straightforward—no mountains of paperwork.

  1. Get Approved Quickly

Receive a funding decision within 24 hours. No hidden fees, no delays.

  1. Receive Your Funds

Once approved, funds are deposited directly into your business account—often the same or next business day.

  1. Repay with Confidence

Enjoy fixed repayment terms and personalized support along the way.

Who We Serve

We’re proud to support Canadian entrepreneurs from coast to coast. If you operate a small or medium-sized business and need fast, reliable capital, we’re here for you. Our clients include:

  • Retail stores
  • Trades and contractors
  • E-commerce businesses
  • Medical and dental clinics
  • Restaurants and cafes
  • Fitness and wellness professionals
  • Auto repair shops
  • Creative agencies and consultants

No matter your industry, we provide the capital you need to move your business forward.

Is Small Business Term Funding Right for You?

This product is ideal if:

  • You need more than $5,000 in capital
  • You’re looking for predictable repayment terms
  • You want fast, unsecured business financing
  • You prefer working with a Canadian direct funder who understands local challenges

You’ve been turned down by traditional lenders but have consistent revenue

Start Growing Today

At Capital Advance, we believe Canadian business owners deserve fast, flexible access to capital—without red tape. With our Small Business Term Funding, you get a funding partner that moves as quickly as you do.

Apply today and get one step closer to achieving your business goals.

Apply Now

For more information, call 1-888-326-8239 or visit our Contact Page. Let’s grow your business—together.

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CAPITAL ADVANCE

2482 Yonge Street #1037
Toronto, ON M4P 2H5

1-888-326-8239

support@capitaladvance.ca
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