Financing designed for Canadian small businesses.
Get up to $500K in funding with clear, straightforward pricing and terms that fit your goals.
Fill out this form to get started today:
Three credit products, one simple online application, and funding in as little as 24 hours2,3.
Business Line of Credit
Keep your business moving forward with working capital on demand. Pay only for what you use from this true, revolving business line of credit.
From $10K up to $500K1
Business Term Loan
Fund your next milestone with short-term capital infusion to fund specific projects or purchases and drive your business forward.
From $10K up to $500K1
Flex Funds Advance
Seasonality ahead? Aligned to work with your fluctuating cash flow. Pay back faster when sales are strong and benefit from smaller payments when they’re not.
From $5K up to $500K1
Financing for your next milestone starts with just a few clicks.
We keep it simple: 1 quick application for 3 different credit products.
Our secure online application takes less than 10 minutes and can be completed anytime, from any device. Applying is completely risk free. See what you qualify for with no impact to your credit score and absolutely no obligation to continue.
Once your application is complete, your dedicated lending advisor will reach out with your offers. They’ll answer all your questions and work with you to choose the best option for your needs.
Once you’ve selected your offer, you will be sent your financing contract for final review. Complete the process and the funds will be in your account in less than 24 hours2,3.
Real stories. Real growth.
See how small businesses across Canada
are reaching their goals with help from Journey Capital.
FAQ
To qualify for financing with Journey Capital, your business must be based in Canada and have a business bank account with a Canadian financial institution. You’ll need to have been operating for at least six months, generate a minimum of $120,000 in annual sales, and have a credit score of 600 or higher.
Applying is quick and easy. You can click the Apply Now button at the top of this page to start your full application right away. Alternatively, you can fill out the short form on this page and click Submit, and a member of our team will reach out to help you complete the next steps.
No, checking your eligibility will not affect your credit score. We only perform a soft credit check.
Each financing option is designed for different business needs. Our Business Term Loan provides a lump sum of funds with fixed payments over a set term, making it ideal for larger, one-time expenses. Our Business Line of Credit offers flexible access to funds, allowing you to draw from it as needed, which is great for managing cash flow or covering unexpected costs. Our Flex Funds Advance is repaid through a percentage of your daily card sales, making it a great choice if your revenue fluctuates day to day.
Choosing the right financing option depends on your business needs. If you require predictable payments, a Business Term Loan may be the best choice. For flexible access to funds, consider Business Line of Credit. If you have daily card sales and prefer to pay as you earn, a Flex Funds Advance may be the perfect fit.
Trusted by thousands of Canadian
business owners just like you.
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 Loans above $300,000 may require additional security as collateral and are subject to additional approvals.
2 On average, file processing can take 24-72 hours.
3 On average, funds are transferred within 24 hours upon receipt of an accepted financing contract.