Business Financing Support Center

Canadian businesses may explore term loans, revolving lines of credit, equipment financing or leasing, invoice financing, and revenue-based funding such as merchant cash advances. The appropriate structure depends on the use of funds, revenue, cash flow, collateral and provider requirements.

A term loan typically provides a lump sum repaid according to agreed terms. A line of credit provides access to funds up to an approved limit and may allow borrowing again as amounts are repaid, subject to the agreement.

A merchant cash advance is generally structured as a purchase of future business receivables rather than a conventional loan. Remittances, total purchase price, fees and reconciliation rights depend on the contract. Review the full agreement carefully.

Depending on the product and provider, eligible uses may include inventory, equipment, hiring, marketing, renovations, new locations and other operating investments. Explain your planned use of funds in the application.

Refinancing generally involves replacing or restructuring an existing financing obligation. A new facility may change repayment timing or costs, but it may also add fees or extend the total repayment period. Compare the full economics before proceeding.

Providers may review time in business, monthly deposits, revenue consistency, operating cash flow, credit history, industry, location, existing debt, ownership information and supporting documents. Each provider sets its own criteria.

Some alternative providers consider bank activity and business performance alongside credit history. A lower credit score may limit options or affect pricing; approval is not guaranteed.

Minimum operating history varies by product and provider. Established businesses generally have more financial information available for review. Newer businesses may face fewer options or additional requirements.

Not necessarily. Providers typically assess current payment obligations, remaining balances and cash flow available to support additional financing. Multiple daily or weekly remittances can reduce affordability.

Startup eligibility depends heavily on the funding product. Many revenue-based products require operating history and documented business receipts; other financing programs may assess collateral, guarantees or business plans.

Common requests include a completed application, recent business bank statements, government-issued identification for verification, business registration details and information on current financing. Larger or secured requests may also require financial statements, tax information or asset documentation.

Statements help verify revenue, deposits, operating expenses, returned payments, balances, cash flow patterns and existing financing debits. They are one part of a broader underwriting review.

Requirements vary. Some providers initially request a few recent months, while others may require six to twelve months or more, particularly for larger or more complex transactions.

Possibly. Term loans, equipment facilities and larger financing requests may involve year-end financial statements, interim reports, tax filings or other financial verification.

Yes. You can start through the CAPFLOW business funding application. Submission starts a review process; it does not guarantee a quote, approval or funding.

Costs depend on the provider, risk assessment, product, term and contract. Compare interest or factor-based pricing, fees, total repayment or purchased receivables amount, payment frequency and any early-payment provisions.

A factor rate is sometimes used to express the total purchased amount or repayment amount relative to the advance. For example, a $50,000 advance at a 1.30 factor would imply $65,000 in total scheduled remittances before any additional fees, subject to the actual agreement. A factor rate is not the same as an annual percentage rate.

Payment or remittance frequency varies by product and provider. Some revenue-based products use daily or weekly remittances, while conventional loans may use monthly payments. Confirm the exact schedule in writing.

Timing varies with documentation, underwriting, verification, security requirements and provider processes. Some alternative financing applications move faster than traditional facilities, but no funding timeline is guaranteed.

Confirm the net amount received, total cost, payment schedule, term or estimated duration, fees, security interests, guarantees, default provisions, renewal terms and any prepayment or reconciliation provisions. Seek independent professional advice when appropriate.

Construction businesses may explore equipment financing, commercial vehicle financing, term loans and working capital solutions. Providers may examine contracts, seasonal deposits, existing equipment obligations and project cash flow.

Transportation businesses may seek truck or trailer financing, repairs, fuel-related working capital and cash flow support. Eligibility depends on operating history, revenue, fleet assets and existing obligations.

Restaurants and retailers may explore financing for inventory, staffing, renovations, equipment and seasonal cash flow. Underwriting often considers sales patterns, expenses and existing debt.

Working capital products may support eligible operating expenses such as inventory purchases, payroll, supplier payments or temporary cash flow gaps, depending on provider terms.

CAPFLOW works with Canadian businesses. Specific financing products and funding providers may have provincial, geographic, industry or other restrictions.

No. CAPFLOW INC. is a business funding intermediary that helps businesses explore products offered by third-party financing providers. Those providers make underwriting, approval and pricing decisions.

CAPFLOW helps businesses explore funding requests up to $2 million. The amount that may be available depends on the business, financing purpose, documentation and provider criteria; no amount is guaranteed.

No. Every request is subject to verification, underwriting, eligibility requirements and a funding provider’s approval.

The information you provide can be reviewed to assess possible financing routes. You may be contacted for clarification, documents or verification. If an option is available, you can review the proposed terms before deciding whether to proceed.

Use the contact page for questions about an application or financing options. Avoid sending sensitive financial documents through unsecured channels; follow the secure submission instructions provided for your file.