Choose the financing that fits your next move.
Business Line of Credit
$10K-$500K
Funds on demand. Draw what you need, repay, and reuse.
Business Term Loan
$10K–$500K
A lump sum for a planned investment with fixed terms up to 24 months.
Flex Funds
$5K–$500K
Flexible financing with payments that adjust with your business sales.
What can you use funding for?
Equipment & Technology
Inventory & supplies
Payroll & staffing
Marketing & growth
Renovations & expansion
Cash flow & bridge gaps
The starting line.
Journey Capital typically works with established Canadian businesses that meet these basic requirements.
6+ months in business
$120K+ annual revenue
600+ credit score
Canadian-based business
Canadian business bank account
Real businesses. Real results.
“The process was fast, simple, and gave us confidence.”
Véronique Lang
Centre Hydromassage Canin
Chambly, QC
“Journey’s speed keeps us coming back.”
Geordan Thomas
United Boxing Club
Toronto, ON
“They understood my business and what I was trying to achieve.”
Darlene Hincks
Damara Spa
Regina, SK
FAQs
No. The planner is a quick questionnaire designed to help you explore a potential funding path based on your business goal, timing and where your business is today. It’s not a financing application and doesn’t involve a credit check.
No. Checking your eligibility uses a soft credit check, so it won’t affect your credit score. There’s also no obligation to continue if you decide the options aren’t right for you.
We keep it simple. You’ll provide some basic information about you and your business, along with minimal financial information such as your most recent 90 days of business bank statements.
Journey Capital offers business financing from $5,000 up to $500,000, depending on the product. The amount you qualify for will depend on factors such as your revenue, cash flow, credit profile and overall business health. To see what you’re eligible for, skip the planner and apply. There’s no obligation to continue and applying will not affect your credit score.
Applications are typically processed within 24–72 hours. Once you’ve accepted a financing contract, funds are transferred within hours, so you could be funded in as little as a day.
We’ll review your application to see which Journey Capital financing options you may be eligible for. If approved, you’ll receive offers with clear pricing and repayment details, and a lending advisor can walk you through your options before you decide whether to move forward.
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.
4 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.