Business Financing from $5,000 to $300,000

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Simple and fast application with no paperwork. Apply in minutes.

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Receive funds in your bank account in as little as 24 hours.

The Thinking Capital Advantage

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#1 Online Lender in Canada

We have the industry knowledge and years of expertise to help you get quick access to smart capital, with fixed and flexible financing options to meet your business needs.

Reputable Partnerships

We create unique partnerships to offer all small businesses in Canada the best borrowing experience.
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Reputable Partnerships

We create unique partnerships to offer all small businesses in Canada the best borrowing experience.

Apply Online

Trusted by over 14,000 Small Businesses since 2006

By combining our people and technology, we are transforming the way business owners get the capital they need to grow.

Customer Success Stories


Paul Brown

Paul Brown

Owner of Boxfit
Financing Purpose: Renovations
“I put my trust into Thinking Capital. They provided me with financing quickly and easily and now I can look toward the future.”Paul Brown, Owner of Boxfit

Andy Edler

Andy Edler

Owner of GrillTime
Financing Purpose: New Equipment
“The changes I made were the right ones. The last two years I’ve enjoyed approximately 30% increase in sales year over year. Without hesitation I would refer any business to Thinking Capital.”Andy Edler, Owner of GrillTime

Some of Our Key Partners

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In the News

We are transforming the way small businesses borrow in Canada. See what we've been up to lately.
“This partnership is about leveraging innovation to broaden the options for our existing business clients and attract new business and personal banking relationships to CIBC.”Jon Hountalas, Executive Vice President of CIBC, Business and Corporate Banking