10 minutes

to apply online

3 credit products

to choose from

0 risk

to your credit score3


Trustpilot score

The right business financing for every milestone.

Term Loan

From $5K-$300K

A fixed and predictable repayment over a set term.

See why businesses choose to go the distance with us.

Credit options

1 simple application for 3 credit products. Journey Capital offers the widest array of credit products for you to choose from.

Fast funding

Get funded in as little as 24 hours1,2 and benefit from instant funding on Line of Credit withdrawals via Interac e-Transfer.

No hard credit pull to apply3

See what you qualify for risk-free. There is no obligation to continue and applying will not affect your credit score.

Expertise on demand

Our team of lending advisors are available on demand to discuss your credit needs and walk you through your options. Whatever your destination, we’re here to get you there.

Are we a good fit for your business?

The journey forward is clear and simple.

If your business meets these basic requirements, our online application process will have you on your way to funding in minutes.

Minimum Requirements

Time In Business 6 Months

Credit score 600

Annual revenue $100K

Incorporated in Canada

Canadian Business bank account

Our Journey.


Year founded


In capital funded


loans funded

We’re proud to serve small businesses.

Here’s what they have to say about us

Funding subject to lender approval.

Flex Funds is not a loan but a sale of future credit and debit receivables

Pricing for Business Term Loans ranges from 8%-29%, cents on the dollar (for each dollar borrowed, the amount of interest paid ranges from $0.08-$0.29). Lower rates available and may be offered to business with strong creditworthiness. 

1 On average, file processing can take 24-72 hours. 

2 On average, funds are transferred within 24 hours upon receipt of an accepted financing contract.

3 For application and adjudication purposes, a soft pull credit will be performed. Soft pulls will appear on your credit report but will have no effect on your credit score. A hard pull will be performed only if you accept one of our credit products.