Limited time offer! Sign-up for a line of credit today to get an interest-free draw.*
Qualify for up to $300,000 in minutes.
Get pre-approved in minutes.
*Offer valid until December 31, 2021. Cash back amount received only after being funded and will amount to interest on first draw of up to $5,000. Must be a new customer of Thinking Capital. See Terms and Conditions for full details.
Keep your business moving with the tools and capital you
need to unlock the next phase in your company’s growth
Get the capital you need, from $500 to $300,000, in as little as 24 hours
24/7 availability, online and off
Over $1 billion lent to more than 17,000 Canadian businesses since 2006
Our all-digital credit application process is quick and easy and typically takes less than 10 minutes. We ask for basic information about you and your business. We ask you to securely connect your online banking information. And as soon as you're done, we'll tell you exactly how much you can borrow - all without hurting your credit score.
When your application is complete, you'll know exactly how much you can borrow, but only you know how much you actually need right now. Make individual draws from within your overall business loan limit, each with their own fixed fees and terms. All pricing is up front, with nothing hidden in the small print.
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.
If your business meets the following basic criteria, our all-digital process will have us on the way to helping you in minutes.
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.