About Thinking Capital

Redefining the way small business owners access capital

Our Journey

As an early leader in the Fintech industry, technology drives every decision we make. Our platform is based on a decade of industry experience and customer feedback. Since 2006, we have helped more than 15,000 small to medium-sized Canadian businesses reach their full potential. By combining our people and technology, we are transforming the way Canadians get the capital they need to grow their businesses

Our strategy hinges on partnering with leading financial institutions and technologies such as CIBC*, Money Mart, Moneris, TouchBistro and many more. These partnerships are unique to the Canadian small business lending space and make Thinking Capital a clear leader in this growing sector.

Today we are proudly the Canadian leader in alternative financing for small businesses. It has been a long road, including technological breakthroughs, key talent joining the team and relationships with major partners have all been key to our growth and success. Here's how we've grown over the past 14 years.


Featured Articles


Robo-advisers thrive, but when do you need a human?

The hybrid idea of robo-service, with human help available, seems to be an attractive model for companies across the financial services sector, even beyond investing. “After all, 52 per cent of


Thinking Capital acquires leading FinTech platform and reaches $1 Billion of Small Business Funding Milestone

Thinking Capital, leading FinTech and provider of credit to small businesses across Canada, announces the completion of a transaction to acquire Ario, builder of a leading-edge finance-as-a-service platform.


Purpose Financial Announces $53.5 Million Investment From Allianz X

Purpose LP, parent company of Thinking Capital, has announced a minority investment from Allianz X, the digital investments unit of the Germany-based Allianz Group, which is focused on investments into leading fintech businesses globally. The investment from Allianz X will be used to accelerate growth and expand product development across Purpose Financial and its key growth businesses.