Business Funding Simplified

Receive Up to $300,000 in as Little as 24 Hours

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No Application Fees • No Obligation Quote • Get Approved in Minutes

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Why Thinking Capital?

  • Trusted Since 2006
  • Helping More than 14,000 Businesses
  • Over $700 Million in Loans Financed
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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 10,000 Small Businesses since 2006

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

Get Funded in 3 Easy Steps

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


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Get Approved

You will get an instant decision on your application.


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Get Funded

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

The Thinking Capital Advantage

#1 Online Lender in Canada

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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.

Easy Application, Fastest Funds

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Apply for a loan anytime and anywhere using our secure online application. Get an approval in minutes and funds in your bank account in as little as 24 hours.

Reputable Partnerships

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We create unique partnerships to offer all small businesses in Canada the best borrowing experience such as referral relationships, tech-integrations, and financial partnerships.

Simple Repayment Options

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Thinking Capital makes repayment effortless by tailoring to the needs of your business offering fixed or flexible repayment solutions. Putting you in control of your finances, how you want it.

Customer Success Stories

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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
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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
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Some of Our Key Partners

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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

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