We eliminate the slow, complicated processes associated with traditional bank lending. Our streamlined approach means you get approved faster. This focus on efficiency allows you to concentrate on managing and growing your core business.
Our direct funding model has supported over 3,480 Canadian businesses to date. We are proud to be a trusted partner in providing the reliable Small Business Loan products necessary for operational stability and growth.
Why Speed Matters in Business
Time is a precious, finite resource for any small business owner or manager. Waiting weeks for a loan decision can negatively impact your short-term plans. Our commitment is to provide capital options within 48 hours.
This rapid turnaround is possible because we act as a direct funder, controlling the entire underwriting process internally. We avoid the delays caused by external third-party approvals and lengthy review cycles.
Key Benefits of Direct Funding
- Transparency: You work with us directly, receiving clear terms and avoiding hidden intermediary fees.
- Speed: Faster approval decisions and access to funds often within 24 hours of final acceptance.
- Customization: Capital solutions are tailored specifically to match your company's unique financial situation.
- Simplicity: Our application process is entirely online, easy to use, and takes just five minutes to complete.
A Closer Look at Funding Options
Flex Capital offers an extensive range of financing products to meet various capital requirements. Whether you need short-term working capital or long-term growth investment, we have a suitable product.
One of our most popular and adaptive options is known as Flex Funds. This product is essentially a flexible advance on future sales revenue. It is perfectly suited for businesses with fluctuating or seasonal revenue cycles.
Flexible Repayment with Flex Funds
The unique structure of Flex Funds offers true financial flexibility to the borrower. Repayments are based directly on a percentage of your business’s daily sales performance. This means payments scale with your success.
When your sales are slower, the required repayment is lighter, easing the pressure on your cash flow. This intelligent design ensures that your financing is always manageable, regardless of market conditions or daily fluctuations.
Businesses with high daily transaction volumes often find our flexible Merchant Cash Advance to be the best solution. It provides rapid access to cash flow that traditional loans cannot match in speed.
Qualification and Application Steps
We have set clear, easy-to-meet standards for businesses seeking financing through Flex Capital. These standards are designed to approve as many established Canadian businesses as possible quickly.
To qualify, your business must be actively operating within Canada for a minimum of six months. We also look for a minimum monthly revenue of $10,000 to ensure financial stability. No open bankruptcies are permitted.
Getting Your Funds
- Apply Online: Spend five minutes submitting your revenue and years of operation. No initial credit check is required.
- Receive Offer: Your lending advisor provides personalized capital offers within 48 hours.
- Review & Accept: Choose the best option for your needs; no commitment is necessary until acceptance.
- Get Funded: Funds are directly deposited into your business bank account, often within 24 hours.
Conclusion
Flex Capital provides fast, transparent, and direct financing to help Canadian small businesses grow and thrive. By offering diverse products like Fixed Term Loans and flexible Merchant Cash Advances, we ensure the right capital is always available. Trust us for your next Small Business Loan and experience the ease of direct funding.