Fast, Accessible Financing

Since 2006, Thinking Capital has shared the journey to growth with over 10,000 businesses. With financing available up to $300,000, we're committed to the future of your business.

  • Quick Approval icon

    Quick Approval

    Get a no obligation quote within 24 hours and financing in 3-5 business days.
  • Simple Repayment icon

    Simple Repayment

    Choose a repayment plan that best meets the needs of your business.
  • Expert Support icon

    Expert Support

    Unlock the true potential of your business with advice from our industry experts.
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Apply Online With Ease

1. Simple Application

It takes just a few minutes to complete our secure online application form.

2. Quick Decision

We work closely with your payment processor to get you a customized quote.

3. Receive Your Financing

Connect your bank online and we will deposit your funds directly into your account.

4. Repeat or Reload

Take advantage of our other financing products - without the additional paperwork.

Our Financing Programs

Merchant Advance

An innovative financing solution that aligns with the cash flow of your business. With no fixed repayment schedule, no credit check and no upfront collateral, this program offers financing on your terms.

Term Loan

A twist on a familiar way of financing, our loan offers larger businesses the ease and speed of our Merchant Advance with fixed daily installments, pre-set interest rates, and at a lower cost.

How much financing do you need?

Use the Thinking Capital Calculator to see what product best suits your business needs.

What are your average monthly card sales?


The calculation given above is for informational purposes only and is intended as a guide. It is not part of the application process, and in no way constitutes an offer or commitment from Thinking Capital.

Do I qualify?

Yes, if you meet the following criteria:

  • Canadian-based business
  • Not e-commerce or home based
  • Accept debit and/or credit cards
  • Average monthly card sales of at least $7,500
  • In business for at least 6 months
  • No upfront collateral required

Empowering Canadian Business Owners Since 2006

You've accomplished so much for your business. Now is the time to realize your full potential with a fresh new approach that puts you in control. At Thinking Capital, we combine our people and technology to enable you to overcome traditional roadblocks to success.

We act as your partner, providing you with real-time data on how your business is performing. With our industry knowledge and quick access to smart capital, you get the confidence of knowing you can unlock the true potential of your business today.

Some of the Great Companies
We Work With

These partnerships include referral relationships,
technology integrations and financial partnerships.

Learn More
  • Trusted by Moneris
  • Trusted by CIBC
  • Trusted by TD
  • Trusted by Global Payments
  • Trusted by Chase