Banks want collateral, credit history, and years of financial documents before they’ll even consider funding your business. Revenue based financing works differently. A lender looks at your sales and funds you based on what your business is already bringing in. That’s how we operate at Canada Capital. No collateral, no personal guarantee, approvals based on your actual business performance.

How Revenue Based Financing Works

You apply and we look at your recent sales. How much is coming in, how consistent it is, how long you’ve been operating. If the numbers make sense we advance you capital against your future receivables. There’s a fixed cost attached and you pay it back through daily or weekly payments over a set term. Could be a few months, could be up to two years depending on the deal.

The payments adjust based on your revenue. Strong month, payments are a bit higher. Slow month, they come down. Unlike a bank loan where the payment is the same every month whether you had a good month or not.

Who Revenue Based Financing Is For

Any business in Canada with consistent sales. Restaurants, retail, e-commerce, contractors, trucking companies, salons, professional services. We work with most industries across every province.

This type of funding works well for businesses that have strong revenue but can’t get approved at a bank. Credit isn’t great, haven’t been open long enough, don’t have assets to pledge, don’t want to sign a personal guarantee. We’ve funded businesses less than a year old and businesses with rough credit histories. The revenue is what matters.

Revenue Based Financing vs a Bank Loan

Banks look at credit scores, years in business, collateral, personal guarantees, financial projections. The process takes weeks and even after all that they might say no. We go into more detail about that in our post here.

Revenue based financing skips most of that. We look at your sales. If they’re consistent you qualify. We can fund you the same day you apply in some cases. Most clients hear back within 24 hours.

It costs more than a bank loan though. No collateral means more risk for the lender and the pricing reflects that. We show you the total cost, payment amounts, and term length before you sign. No surprises.

Why Canada Capital

We fund deals in house but we also have a network of lending partners and investors. So if our in house product isn’t the right fit we don’t just say no. We find something through our network that works better. Different rates, different terms, different structures depending on what your business needs.

Our network goes up to $5 million. We also do collateral based deals for businesses that want to leverage assets for larger amounts or different pricing. Most alternative lenders have one product and that’s it. We have options.

Other Funding Options

Revenue based financing isn’t the only thing we offer. Depending on your situation an unsecured business loan, a business line of credit, or small business capital might be a better fit.

Apply for Revenue Based Financing in Canada

Apply here. Short application, basic financial info, and we get back to you fast.