Financing for your next milestone starts with just a few clicks.

We keep it simple: 1 quick application for 3 different credit products.

Step 1: Complete the application

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.

Step 2: Review your offers

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.

Step 3: Get your funds

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 hours1.

Need more funds? We got you.

From your very first financing with us, we begin building a relationship with you and your business. Your dedicated Lending Advisor is always available to discuss your ongoing financing needs and accessing additional funds is simple2.

Streamline renewals

Our Streamline path delivers renewal offers of up to $75,000 right to your online account for you to review. Those offers remain available until you accept them or a new one comes your way.

Self-Requested renewals

Our Self-Requested path puts you in the driver’s seat. You initiate the renewal request from your online account with just a few clicks. Your Self-Requested offer will be sent to your online account for you to review.

Manage your financing and a whole lot more – all at your fingertips.

Your MyPortal account has everything you need to manage your Journey financing, and then some.

Stay on top of your financing

Check your balance, track your repayment progress, and review transactions on all your active fundings from your MyPortal online account.

Make draws on your Business Line of Credit

Draw down on your line of credit from wherever, whenever. Receive your funds near instantly with Interac e-Transfer – even nights, weekends, and holidays3.

Get more funds when you need it

Review your Streamline offers or initiate a request for more funds. Accept terms and sign contracts whenever it’s convenient for you, all from your online account.

Already a Journey client?

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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

We say yes to more businesses, because we can.

It’s not magic, just a lot of experience. Small businesses are unique, and we know the health of your business is based on more than just a credit score. We use a combination of technology and real people to evaluate you and your business financing needs.

You, the Owner

Personal
Credit Score

Payment
History

Total
Debt

Percent of
Business Owned

Your Business

Business
Credit Score

Annual
Revenue

Public
Records

Cash
Flow

Years in
Business

Trusted by thousands of Canadian business owners just like you.

Trustpilot

1Funding subject to lender approval. On average, file processing can take 24-72 hours. Funds are transferred within 24 hours of contract acceptance. 
Flex Funds is not a loan but a sale of future credit and debit receivables.

2Renewal eligibility requires that the current active financing be 50% repaid and that the requester be in good standing. 

3EFT is the default fund transfer method for line of credit draws. Based on ordinary processing times, if you confirm your draw before 16:00 EST, you should receive your funds by midnight EST. If confirmed after 16:00 EST or on a weekend or holiday, you should receive your funds by midnight of the next available business day. You may opt for to draw funds from your line of credit via Interac e-Transfer® for faster fund transfer. Additional fees may apply.