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

Small Business Financing Solution Built for You

Qualify for up to $300,000 in minutes.
Get pre-approved in minutes.

In partnership with:

Reset, ready, grow

Keep your business moving with the tools and capital you
need to unlock the next phase in your company’s growth

Apply in Minutes

Get the capital you need, from $500 to $300,000, in as little as 24 hours

Always-On Support

24/7 availability, online and off

Experience You Can Trust

Over $1 billion lent to more than 17,000 Canadian businesses since 2006

Thinking Capital at a glance

$1B+

Lent to
Canadian SMBs

17k+

SMBs supported
coast to coast

2006

Year founded

4.5/5

Trustpilot score
based on 774 reviews
HOW IT WORKS
01

Apply in 3 simple steps and
get pre-approved instantly

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.

02

Draw what you need, when you need it

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.

03

Use our support for whatever you need

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.

See if your business qualifies

Qualification is simple.
No heavy paperwork.

If your business meets the following basic criteria, our all-digital process will have us on the way to helping you in minutes.

Your business is legally registered

Your business is based in Canada

Your average monthly revenue is at least $3,000

You have been operating for at least 3 months with a dedicated business bank account

You have good personal and business credit history

What do you need right now?

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.

Payroll Funding

Payroll Funding

Need to pay your team but that big invoice is past due?

If you wait until you can afford the people who will take your business to the next level, you might never get there.
Ecommerce Funding

Ecommerce Funding

Need capital that keeps pace with eCommerce?

We’re digital, flexible, and fast on our feet. Just like your growing online business.
Marketing Funding

Marketing Funding

Got a great product but need to get the word out?

A business can’t grow without putting itself out there. We help you line up your brand, marketing, and ad spend to make that big public splash.

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?