Fixed Financing is what we call our small business loan solution. With a small business loan, you receive financing and agree to repay a fixed daily amount based on your financing amount and an agreed-upon interest rate. You can choose to make daily repayments for 6, 9 or 12 months (124, 186 or 248 equal payments). There is no collateral requirement for our small business loan solution.

Flex Financing is what we call our merchant cash advance solution. A merchant cash advance provides you with working capital, which you repay until the terms of the advance have been met. A small percentage of your daily credit and debit card sales go towards repaying your advance. This financing solution has no fixed time period you need to repay by, and there is no collateral requirement either. 

With Thinking Capital, you can apply for up to $300,000 in business financing.

When you apply for financing from us, you will be requested to provide your business bank account information in the form of a void cheque. Once you receive financing from us, payments are automatically deducted from your business bank account.

With our Fixed Financing product, you repay a fixed amount on a daily basis. This amount is based on the business loan you received. With our Flex Financing product, daily payments are made based on an agreed percentage of your credit card sales, with no fixed time period to fully repay. We also offer weekly and bi-weekly repayment options.

Absolutely! With business financing from Thinking Capital, you have weekly and bi-weekly repayment options available to you. Speak to one of our advisors at 1-866-889-9412 for more details.

We work with Canadian small- to medium-sized businesses that have been in operation for at least 6 months. We support a wide range of industries, including restaurants, retail, auto repair, and health and beauty.

Fill out our online application by providing some basic information about you, your business, and your financing needs. If you would rather speak to someone over the phone, you can reach us at 1-866-889-9412. One of our representatives will be more than happy to help you.

It takes five to 10 minutes to complete your online application. Once your application has been submitted, we will send you an email confirmation with next steps. To help you get approved and funded quickly, one of our representatives will contact you within 24 hours.

Our goal is to make the application process easy on the customer. We try to ask for as little documentation as possible. For all applications we require:

1. Signed and dated contract pages
2. Government-issued photo ID
3. Void cheque

Additional documentation may be required depending on how much financing you are receiving.

We know time is money. Here's what you can do to help speed up the application process:

1. Make sure all contract pages are signed and dated where necessary
2. Send clear documentation - submit a photo via text if that’s easier
3. Submit all requested documentation with the initial contract