Working Capital Loans
Short-term funding to cover day-to-day business expenses like payroll, rent, or inventory during cash flow gaps.
What is a Working Capital Loan?
A working capital loan is a type of short-term financing designed to help businesses cover their day-to-day operational expenses. Unlike long-term loans used for major investments, working capital loans are specifically for managing cash flow and ensuring your business can continue operating smoothly.
Short-term Solution
Typically 3-18 months repayment terms
Flexible Use
Use for any operational expense
Who Qualifies for Working Capital Loans?
Qualification Requirements
- Business operating for at least 6 months
- Monthly revenue of $10,000+
- Canadian business with valid business number
- No recent bankruptcies or tax liens
Ideal For
- Seasonal businesses with cash flow gaps
- Businesses needing to cover payroll
- Companies purchasing inventory
- Businesses with delayed customer payments
Benefits of Working Capital Loans
Quick Access
Get funded in as little as 24-72 hours
Flexible Use
Use funds for any business expense
No Collateral
Most loans don't require business assets