We simplify the entire process of securing business financing across Canada. Our streamlined, online-first approach eliminates unnecessary complications. This saves you significant time and effort in the long run.
We provide a dependable Small Business Loan product designed to meet common business investment needs effectively. This trusted product offers stability for your strategic financial planning.
The Speed and Simplicity Promise
Our unique value proposition centers on delivering capital options quickly and efficiently. We are a direct funder, meaning we control the underwriting process internally. This results in faster approvals for our clients.
We commit to providing potential capital offers within 48 hours of your application submission. This speed is crucial for businesses facing time-sensitive opportunities or urgent operational requirements.
Application and Funding Flow
The entire application process is designed for maximum speed and simplicity. You can complete the initial online submission in a mere five minutes or less. We only ask for essential, top-level business information.
After reviewing your personalized offer, funds can be delivered as soon as the same business day. In many instances, the money is available directly in your bank account in as fast as 24 hours. Over 3,480 businesses have benefited.
Exploring Flexible Options
While a Fixed Term Loan provides excellent stability, some business models benefit greatly from more flexible capital. We understand that one financing solution does not fit every single unique business need.
For businesses with fluctuating daily revenue, our specialized Flex Funds product is an ideal fit. This funding solution adapts its repayment schedule automatically based on your actual sales volume.
Adapting Repayment to Sales
This structure, commonly referred to as a Merchant Cash Advance, provides significant relief during slower business cycles. The repayment adjusts down when your sales are lower.
This means the financing is always manageable and tied to your business's current performance capacity. It is a powerful tool for maintaining positive cash flow and avoiding fixed payment strain.
We have channeled over $50 million into Canadian businesses, a testament to our commitment to diverse funding options. Our wide portfolio ensures we can match capital precisely to your specific financial situation.
Qualification Standards
Our minimum eligibility criteria are straightforward and focused on supporting established Canadian enterprises. We aim to make our financing accessible to as many deserving small businesses as possible.
Your business must be physically operating in Canada and demonstrate at least six months of continuous operation. We require a minimum gross monthly revenue of $10,000 for eligibility assessment.
- In Canada: Must be an operating Canadian business.
- 6+ Months: Minimum operating history of six months.
- $10,000+ Revenue: Minimum monthly gross revenue requirement.
- No Bankruptcies: Must not have any currently open bankruptcy filings.
Comprehensive Product Selection
We ensure that every type of capital requirement can be met through our extensive product lineup. From emergency funds to strategic long-term investments, we offer the right financial tools for success.
- Lines of Credit: Perfect for covering short-term, unexpected expenses or bridging working capital gaps effectively.
- Inventory Financing: Targeted capital for purchasing and stocking inventory ahead of your high-demand seasons.
- Venture Financing: Opportunities for high-growth businesses seeking larger, strategic investment capital.
- Government Grants: Advisory support to help secure and navigate local and federal grant programs available.
Conclusion
Flex Capital is dedicated to simplifying access to strategic capital for Canadian small businesses. We offer reliable products like the Small Business Loan and the flexible Merchant Cash Advance, with rapid approval times. Trust our direct funding advantage to provide the transparency and speed your company needs to confidently achieve its next stage of growth.