Business Loans Canada | LEND ON CAPITAL
Business Funding · Canada

Working Capital
for Growing
Businesses.

Get $20K to $3M in business funding. No collateral. No equity given up.

10,000+ Businesses Funded
Trustpilot
💰 $500M+ Capital Deployed
🏆 A+ BBB Rated
Google 5 Stars
🇨🇦 All 10 Provinces Served
✓ No Collateral Required
BBB A+
📈 CAD $20K–$3M Available
✓ No Equity Given Up
Check Your Eligibility
60 sec · No credit check
STEP 1 OF 4

How much are you looking to borrow?

Do you have an active business?

What is your average monthly revenue? (CAD)

Last step - your contact details.

Please enter a valid 10-digit phone number.
Canada All amounts in Canadian dollars (CAD) · All provinces
🔒 No credit impact · No collateral · No equity given up
No Collateral Required
Unsecured funding
No Collateral
Most programs unsecured
CAD $20K to $3M
Any industry, any province
No Equity Given Up
Keep full ownership
Loan Products

Capital that works on your terms

No hidden fees. No equity dilution. Just capital with honest terms you can plan around.

Working Capital

Short-Term Business Loan

Lump-sum working capital for your business. Ideal for covering a gap, taking on a contract, or handling a sudden expense.

AmountCAD $20K - $1M
Rate from1.11x factor rate
Terms6 - 24 months
PaymentsDaily or weekly
Use caseWorking capital
Get a Short-Term Loan →
Basic Requirements

Do you qualify?

Most businesses qualify with:

Business statusActive business
Monthly revenueCAD $15K+
Business typeAny industry
LocationAll provinces
Credit checkNo impact
Check My Eligibility →
The Process

From application to funded in three steps

No branch visits. No endless paperwork. A simple process built around your schedule.

01
Submit your request

Fill out our secure online form in under 60 seconds. No credit pull, no commitment. We just need the basics to get started.

02
Review your options

A dedicated advisor reviews your file and walks you through your pre-approved terms, rate, and funding limit. No vague answers.

03
Receive your capital

Once you confirm the terms, funds are wired directly to your business bank account. Funding timelines vary by program and complete documentation.

Coverage

Funding businesses
coast to coast

From British Columbia to Newfoundland, we work with businesses in every province. Approvals are done remotely - no branch visits, no in-person meetings.

$500M+
Capital Deployed
10K+
Businesses Funded
All 10
Provinces Served
Canada funding coverage map
Recent Fundings

Businesses we've funded

Real deals. Real businesses across Canada.

Toronto, ON
Restaurant Group
CAD $95,000
Short-Term Loan · 12 months · $2,350/week
Vancouver, BC
Construction Company
CAD $200,000
Line of Credit · 24 months · $2,180/month
Calgary, AB
Trucking & Logistics
CAD $150,000
Short-Term Loan · 18 months · $2,105/week
Montreal, QC
Medical Clinic
CAD $75,000
Line of Credit · 18 months · $968/week
Ottawa, ON
Auto Repair Shop
CAD $50,000
Short-Term Loan · 12 months · $1,175/week
Mississauga, ON
Retail Franchise
CAD $120,000
Line of Credit · 30 months · $1,080/month
What Clients Say

Reviewed by business owners

Google 5 Stars Trustpilot BBB Accredited
Get Funded

See what you qualify for today.

Takes 60 seconds. No credit impact. A real advisor will reach out to walk you through your options.

No collateral required
No equity given up
No collateral required for most programs
CAD $20K to $3M available
Check My Eligibility Book a Call
🔒 Secure · No credit check · No obligation
FAQ

Common questions

Most businesses qualify if they have an active business bringing in CAD $15,000 or more per month in revenue. You'll need to share 3 to 6 months of business bank statements. We work with businesses in all industries across every province. No collateral required.
Once your application is submitted, your dedicated funding manager reviews your information and walks you through the available programs. Funding timelines vary by program type and how quickly underwriting documentation is completed. Your funding manager will give you a clear, specific timeline based on your situation.
No collateral is required for our short-term loan or line of credit programs. We do not take a lien on any personal or business assets.
For most programs you will need 3 to 6 months of business bank statements and a government-issued ID. Additional documents may be requested depending on the loan size and program.
We look at the full picture of your business - primarily your cash flow and revenue, not just your credit score. Many of our clients have less-than-perfect credit and still qualify for funding.
A short-term loan gives you a lump sum upfront, repaid over a fixed schedule. A line of credit gives you a limit you can draw from repeatedly - you only pay on what you use. Lines of credit work best for ongoing cash flow needs; short-term loans are better for a one-time expense.
No credit impact. 60 seconds. Trusted by 10,000+ Canadian business owners · CAD $20K to $3M