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

Never taken on business financing before?

Success as a small business owner means making smart, short-term investments for sustainable, long-term growth.

With fast funds available from $500 to $300,000, we’re here to help you get smart about growing your business.

The Thinking Capital Masterclass

Everything you wanted to know about small business finances but were afraid to ask
Learning doesn’t need to be hard. In the months ahead, we’re rolling out the first season of our free Masterclass of small business financing tips and expert insider advice. Join us for the ride by following along here or subscribing on YouTube for the latest videos as they roll out.
01
Intro to Financing [2:15]
Looking to grow your business? Need to keep things afloat till payday? Wherever you’re at, find out why financing is an essential tool for small and medium-sized business owners to achieve long-term success as we set out on our journey.
02
Mastering Cash Flow [2:02]
Cash flow is a time sink, but it doesn’t need to be. Learn how to save countless hours by putting your cash flow management on cruise control (for free!) and gain deeper insight into your business’s finances in the process.
More videos coming soon...
03
Financing new projects
04
Payroll financing
05
Hiring and keeping talent
06
Dealing with the unexpected
07
Financing your shift to online
08
Investing in marketing
09
Inventory financing
10
Customer stories
Be the first to know
Be notified when we expand our Masterclass library. We'll continuously extend the collection and invite more and more guests and cover additional topics.
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“They were there for us when no one else was. The people we've dealt with have been professional, polite, knowledgeable and the payment system really works well for us.”

Proud Shop Owner

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Frequently Asked Questions

What is the Thinking Capital Small Business Loan?

Our small business loans provide small and medium businesses like yours easy access to the working capital you need to secure or increase your inventory, fix or buy new equipment, launch effective marketing campaigns, carry out renovations, or expand to additional locations. Considered a fixed loan, any Thinking Capital Small Business Loan you take out has its own repayment schedule and requires that you pay a fixed interest rate and principal.

Do you offer a Business Line of Credit?

Our Thinking Capital Small Business Loan provides all the features and flexibility of a line of credit, but with the added certainty of the upfront pricing and commitment of a term loan [link to comparison page]. A loan from us gives you ongoing access to the capital you need to make sure your business runs smoothly. You can withdraw funds in one lump sum, or use it just as you would a line of credit on an as-needed basis for all kinds of uses. Every draw you make from your loan has its own fixed repayment schedule. With daily, weekly and bi-weekly options, choose a plan that works best for you. What’s more, as you pay back what you borrow, your borrowing limit is automatically refreshed, giving you continued access to the funds you need. We reassess your business performance every month, so your limit will be revised based on your business.

Where is the money you lend coming from?

We make capital available to Canadian small businesses through business loans and credit facilities provided by two large and established Canadian financial institutions. Since 2006, we’ve facilated access for our customers to more than $1 billion through these facilities. Thinking Capital is part of Purpose Financial, one of Canada's leading investment management companies, backed by established Canadian and global investors including OMERS, Torquest and Allianz X. In 2020, Purpose Investments surpassed $10B in assets under management.

How quickly can I receive financing?

Upon approval, you can expect to receive your funds deposited in as little as 24 hours! You'll receive email notifications, sent to the email address you've used to sign up for your account:

1. Notifying you that your application has been approved or declined.
2. Notifying you when your funds are deposited to your business bank account, if you were approved.

What are the interest rates and costs?

Interest rates vary based on a number of factors taken from the details of your account and application. Rest assured our easy online application process will show you the exact cost of borrowing before you sign to commit to the loan and the interest is automatically included in your repayments to us. There are no hidden fees or charges. You can use our pricing calculator to get a good idea of the total cost of borrowing, even before you sign up.

How do repayments work?

Each time you draw from your Thinking Capital Small Business Loan, it is considered a fixed loan, which includes specific terms and conditions that outline your preferred repayment schedule and a fixed interest rate and principal to be paid. Payments will be automatically taken from your bank account according to the schedule you choose. These requirements differ from a traditional line of credit, where repayment is based on a minimum balance, or the interest on outstanding balances only.

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?