Fast, flexible funding from $5,000 to $100,000 for Canadian small businesses.
Small Business Term Funding
Access unsecured working capital designed for Canadian small and medium‑sized businesses. Use term funding to invest in growth, manage cash flow, or cover unexpected expenses—with predictable payments and quick approvals.
What Is Small Business Term Funding?
Small Business Term Funding is working capital that lets you borrow a lump sum and repay it over a fixed period with regular, predictable payments. It’s unsecured, faster to access, and easier to qualify for than traditional bank loans—built specifically for small businesses across Canada.
We support a wide range of industries, including retail, personal care, food & beverage, e‑commerce, and skilled trades. Whether you’re funding growth or managing short‑term challenges, term funding can give your business the flexibility it needs.
Product Overview
- Funding Amounts: $5,000 – $200,000
- Approval Time: As fast as 24 hours
- Funding: In your account as fast as 24 hours from approval
- Eligibility: Canadian businesses operating for at least 6 months with consistent revenue of $10,000+/month
- Repayment: Fixed daily or weekly instalments
- Credit Score: All credit types considered
Why Businesses Choose Capital Advance
Business funding in Canada can feel overly complex or slow. Our process is built for small business owners—fast, flexible, and transparent from application to repayment.
✔ 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 business or personal 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 owners.
✔ Predictable Repayment Terms
Our fixed daily or weekly payment schedules are easy to manage, helping you budget with confidence and protect cash flow.
✔ Early Payment Benefits
Pay off early and save. We offer discounts for early repayment, giving you more flexibility and control over your total cost of funding.
✔ Dedicated Support
From application to repayment, our experienced advisors are here to help you choose the right option and navigate every step.
How You Can Use Term Funding
Small Business Term Funding can be used in many ways to strengthen your operations and support future growth. Common uses include:
- Inventory purchases during high-demand seasons
- Upgrading equipment or expanding services
- Hiring new staff or increasing payroll during growth periods
- Leasehold improvements or renovations
- Marketing campaigns and customer acquisition
- Bridging cash flow gaps caused by delayed invoices
Whether you’re stabilizing operations or seizing a growth opportunity, our funding adapts to your business needs.
How It Works
- Apply Online in Minutes
Complete a short, straightforward application—no extensive paperwork required.
- Get Approved Quickly
Receive a funding decision within 24 hours, with clear terms and no hidden fees.
- Receive Your Funds
Once approved, funds are deposited directly into your business account, often the same or next business day.
- Repay with Confidence
Make fixed daily or weekly payments, with personalized support available throughout your term.
Who We Serve
We’re proud to support Canadian entrepreneurs from coast to coast. If you run a small or medium‑sized business and need fast, reliable capital, we’re here for you. Our clients include:
- Retail stores
- Restaurants and cafes
- Auto repair shops
- Medical and dental practices
- Fitness and wellness clinics
- Plumbers, electricians and other skilled trades
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 funding quickly to cover immediate expenses or invest in opportunities
- You prefer fixed, predictable repayments rather than variable payment amounts
- You want unsecured funding without pledging collateral
- You value a transparent, straightforward process with support from real people
- You’ve been turned down by traditional lenders but have consistent revenue
Start Growing with Term Funding
At Capital Advance, we believe Canadian business owners deserve fast, flexible access to capital—without red tape. With Small Business Term Funding, you get a funding partner that moves as quickly as you do.
Apply today and take the next step towards your business goals.
For more information, call 1-888-326-8239 or use the chat button to speak with us . Let’s grow your business together.
Frequently Asked Questions
How much can I borrow with a small business term loan in Canada?
Capital Advance offers lump-sum term funding from $5,000 to $100,000, based on your monthly revenue. Popular amounts include a $20,000 business loan in Canada for smaller needs and a $40,000 small business loan in Canada for larger projects such as expansion, equipment, or hiring.
Can I get a $20,000 business loan in Canada?
Yes, a $20,000 business loan in Canada is one of our most common funding amounts for small businesses. Approval is based on your revenue rather than on collateral, so if your business earns at least $10,000 per month and has been operating for six months, you can typically qualify.
How do I get a $40,000 small business loan in Canada?
To access a $40,000 small business loan in Canada, you complete a short online application, and we assess your recent business revenue. Because the funding is unsecured, you do not need to pledge assets; approval is based on the strength and consistency of your sales.
How does an unsecured business term loan work?
You borrow a fixed amount and repay it through set daily or weekly instalments you can budget for, with no fluctuating payments. It is a business loan with no collateral required, so your personal and business assets are never at risk.
How fast can I get approved for term funding?
Most applications receive a decision within 24 hours, making this a genuinely quick approval business term loan. Once approved, funds are usually deposited into your account on the same or next business day.
Can I get a term loan with bad credit in Canada?
Yes, we consider all credit types, so funding is possible even with a low score when your business has steady revenue. Rather than focusing only on your credit history, we look at your overall cash flow, which makes approval far more accessible than at a bank.
What is the difference between term funding and a merchant cash advance?
Term funding is a short-term business loan in Canada with fixed instalments, while a merchant cash advance is repaid as a percentage of your daily sales. If you prefer predictable, equal payments, a fixed-instalment term loan is usually the better fit.
What can I use a small business term loan for?
You can use it for almost any business purpose, from inventory and equipment to payroll, renovations, or bridging cash flow gaps. The funds are yours to deploy to your business needs, whether that means covering a short-term expense or investing in growth.
