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

Crystal-clear pricing

Every small business depends on transparent, upfront pricing. Whenever you make a draw from within your pre-approved borrowing limit, you’ll see exactly what you’ll need to pay, and when you need to pay it.

Fair, flexible, fast

Upfront Fees

We don't hide any of our fees from you. On each draw, you'll see the exact cost upfront, with nothing buried in the fine print. Finding out your fees and overall limit won't impact your credit score.

No-fuss convenience

We give you the power to repay funds in a way that makes sense for your business. You can choose to make payments daily, weekly, or bi-weekly, at a regular expected time.

Lightning quick access

You don't need funds a month from now—you need them asap. That's why we pre-approve an overall limit and let you know what that limit is as soon as you sign up, regardless of how much you initially need to draw. Following basic validation on your first request, funds will be in your account in as little as 24 hours.

Fair options

Borrow from $500 to $300,000 on 2, 3, 4, 6, 9, or 12 month terms, with absolutely no hidden fees.

How our pricing works

At Thinking Capital, there are no hidden fees buried in the small print. We believe in helping you make better business decisions, and that commitment starts with us being upfront with you on total cost of borrowing, before you agree to borrow money.

With competitive rates and a range of term and repayment options available according to your business needs, you'll know exactly how much you'll repay, and when you'll need to repay it. To get an idea of what your costs might be, plug the amount you need into this calculator and try out different terms.

* Please note your actual borrowing costs may be different to the results of this calculator – they will be outlined following your application without impacting your credit score, after we have more specific information about your business circumstances.

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?