Thinking Capital has a new look. Our commitment to you hasn’t changed. Learn more.

Business funds you can count on

When it comes to small business financing, whatever you need, we've got you.

Reset, ready, grow

Keep your business moving with the tools and capital you
need to unlock the next phase in your company’s growth

Apply in Minutes

Get the capital you need, from $500 to $300,000, in as little as 24 hours

Always-On Support

24/7 availability, online and off

Experience You Can Trust

Over $1 billion lent to more than 17,000 Canadian businesses since 2006

How it works

01
Apply and find out your borrowing limit in minutes
02
Draw what you need, when you need it
03
Repay on your terms, with no hidden fees
Apply in under 10 minutes and get pre-approved instantly

Our all-digital application process is quick and easy and typically takes less than 10 minutes. We ask for basic information about you and your business. We then ask you to securely connect your bank. And moments after you're done, we'll tell you exactly how much you can borrow—all without hurting your credit score.

Fast funds, on demand, with upfront pricing

We'll tell you exactly how much you can borrow straight away, but only you know how much you actually need right now. Make individual draws from within your overall limit, for whatever purpose you need, and funds will arrive in as little as 24 hours. Pricing for every draw is outlined up front before you commit, with nothing hidden in the small print. Some additional verifications may be required before funding can be released on your first draw.

Repay your way, with no hidden fees

Choose the repayment schedule that makes sense for your business—from daily, weekly or bi-weekly payments, or pay early to save on interest. Borrow from $500 to $300,000 on 2, 3, 4, 6, 9, or 12 month terms, with absolutely no hidden fees.

What do you need right now?

Every day brings a different challenge and a different opportunity. At Thinking Capital, we're here with the funds you need when you need them, whether that's to seize the moment, to face down business calamities, or to bet on yourself as you take your business to the next level.

Payroll Funding

Payroll Funding

Need to pay your team but that big invoice is past due?

If you wait until you can afford the people who will take your business to the next level, you might never get there.
Ecommerce Funding

Ecommerce Funding

Need capital that keeps pace with eCommerce?

We’re digital, flexible, and fast on our feet. Just like your growing online business.
Marketing Funding

Marketing Funding

Got a great product but need to get the word out?

A business can’t grow without putting itself out there. We help you line up your brand, marketing, and ad spend to make that big public splash.

"Sometimes you need a small amount of money and sometimes you need a big amount, but Thinking Capital has always been a good, fast, and simple solution."

Marindo Kuy — Jewelry Designer, Montréal
Jewelry Designer

"Sometimes you need a small amount of money and sometimes you need a big amount, but Thinking Capital has always been a good, fast, and simple solution."

Marindo Kuy — Jewelry Designer, Montréal

"Sometimes you need a small amount of money and sometimes you need a big amount, but Thinking Capital has always been a good, fast, and simple solution."

Marindo Kuy — Jewelry Designer, Montréal

Our Latest Thinking

Expert real-world advice and insight for all Canadian small business owners

Managing the Global Supply Chain Crunch
Research Reports
Managing the Global Supply Chain Crunch
Supply chain insecurity is putting a strain on businesses everywhere—and it doesn’t look like it’s going away anytime soon. In this new era of delays, increased costs, and overall instability, we present 16 key insights on how Canadian small business leaders can best navigate these waters and stay resilient.
Read the report

We've got you

We're here to make life easier for Canadian small to medium businesses like yours. How can we help you today?