Business Lending
Business Lending & Financing
The right business financing depends on what the money is for and how it will be repaid. We match your need to the right product and lender, prepare a lender-ready package and negotiate terms, so you spend your time running the business instead of chasing approvals.
- Banks, Credit Unions and Alternative Lenders
- Start-Ups to Established Companies
- Government-Backed Programs
- One Lending Advisor from Application to Funding
Match the Financing to the Need
Short-term needs deserve short-term products; long-term assets deserve long-term financing. This is the single most common mistake we see, and it is the first thing we fix.
- Small Business Loans: Term financing for working capital, expansion, hiring and inventory.
- Operating Line of Credit: Working capital that flexes with your receivables and inventory.
- Bridge Financing: Short-term capital to close the gap between two events.
- Revolving Credit: Borrow, repay and borrow again against a set limit.
- Term Loans: Fixed repayment financing for equipment, expansion and acquisitions.
- Equipment Loans: Finance machinery, vehicles and technology with the asset as security.
- Commercial Mortgages: Buy, refinance or build the premises your business operates from, or an investment property.
- Purchase Order Financing: Fund a confirmed order your cash flow cannot cover yet.
- BDC Programs: Government-backed financing for Canadian small and medium-sized businesses.
What Lenders Evaluate
Cash flow and the ability to service debt, the strength and history of the business, the collateral available and the experience of the owners. Our consulting team can help you strengthen each of these before you apply.
Business Owners in Ontario
We work with incorporated businesses, professionals, franchisees and sole proprietors in Ontario, online or in person.
FAQ
Common Questions
Can a new business get financing?
Yes, through start-up programs, government-backed loans and lenders that focus on the owner's experience and personal covenant. Expect to provide a business plan and projections.
Will I need to personally guarantee the loan?
Most small business financing requires a personal guarantee from the owners. We explain the scope of any guarantee before you sign.
How long does business financing take?
Lines of credit and small term loans can fund in one to three weeks. Larger or asset-backed facilities take longer due to due diligence.
Get Started
Tell Us About Your Situation
Share a few details. Our team will review your request and contact you with the next steps and the documents to prepare.
Apply for Business Financing
Tell us what you need and our team will explain your options and the next steps.