Fast funding. Smarter repayment.
Good things take time, so take a little more time to repay – up to 24 months1.
Funding in as little as 24 hours2, now with more time to repay on our Business Term Loan.
Speed when you need it. Time where it counts. Here’s how it works.
One quick application, three credit products, and you choose the offer and term that fits.
Apply in minutes with no risk to your credit score an no obligation to continue.
Select the loan term that best fits your cash flow, up to 24 months1. Our Dual-Financing program bundles Term Loan and Line of Credit for maximum flexibility.
No surprises. We offer clear pricing and a predictable repayment schedule so you can plan with confidence.
Three ways to finance, one simple application.
Choose the product that fits your needs and longer loan terms that give you the repayment flexibility to stay ready for anything.
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 $500K3
Business Term Loan
A great fit for that specific project or purchase, with predictable repayments and now with longer term options up to 24 months1.
From $10K up to $500K3
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 $500K3
FAQ
No. Funding speed and repayment timeline are separate. You can get funding in as little as 24 hours2 then, if eligible for a Term Loan, choose from the repayment terms available that best fit your cash flow.
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.
If approved for a Term Loan, you’ll be presented the available term options based on your eligibility. Longer terms mean a lower regular repayment and put less stress on your cash flow, while shorter terms repay faster. What you prefer depends on what makes the most sense for how your business operates.
Yes. If you’re eligible, you can select from the available term options presented – up to 24 months1 based on what best fits your cash flow and whether the smallest possible repayment is important to you.
A longer repayment term can mean you pay more in total interest over time, because you’re borrowing for longer, but the rate is the same. The benefit is lower regular repayments, which can help you keep more operating cash available. We’ll show you the full cost and repayment schedule before you accept any offer.
Dual-Financing allows you to bundle a Business Term Loan with a Business Line of Credit. Use your loan to fund planned projects or purchases and enjoy financing on demand with a line of credit for any unplanned expenses that come your way.
Dual-Financing allows you to bundle a Business Term Loan with a Business Line of Credit. Use your loan to fund planned projects or purchases and repay with terms as long as 24 months1. Then leverage your line of credit as financing on demand for any unplanned expenses that come your way.
A lender you can recommend.
Fast when it matters. Clear always. Human throughout.
Trusted by thousands of Canadian
business owners just like you.
1Funding and available terms up to 24 months are based on eligibility and 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 businesses with strong creditworthiness.
2On average, file processing can take 24-72 hours and funds are transferred within 24 hours upon receipt of an accepted financing contract.
3Loans above $300,000 may require additional security as collateral and are subject to additional approvals.