We give lenders a good name.
Fast funding3, transparent pricing, and real support every step of the way.
Pre-qualify in minutes with no impact to your credit score.
Fast funding. Clear pricing. Real support. Here’s how it works.
One quick application, three credit products, and you choose the offer that fits.
Pre-qualify fast, risk-free. There’s no obligation to continue and no impact to your credit score.
See straightforward pricing and repayment details before you accept an offer.
Fund fast and grow.3 Work with a dedicated lending advisor and access additional capital from your online portal.
Three ways to finance, one simple application, and funding in as little as 24 hours3.
Business Line of Credit
Access working capital when you need it. Pay only for what you use with a true, revolving line of credit.
From $10K up to $500K1
Business Term Loan
A great fit for that specific project or purchase, with predictable payments over a set term.
From $10K up to $500K1
Flex Funds Advance
Built for seasonality and fluctuating revenue. Pay back faster in strong sales periods and make smaller payments in slower ones.
From $5K up to $500K1
A lender you can recommend.
Fast when it matters. Clear always. Human throughout.
FAQ
No, checking your eligibility will not affect your credit score. We only perform a soft credit check.
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.
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.
Based on your application, our team will check your eligibility for all products to provide the best-fit offers for your business. Choosing the right product, depends on your needs and plans. Our lending advisors will clearly explain your options.
Yes. Journey offers a true revolving business line of credit: draw funds as needed up to your approved limit, and as you repay, that available credit can be used again. You only pay for what you use.
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.