Business Line of Credit

Accessible Funding That Sparks New Opportunities

Get Started
 

Business Line of Credit

Accessible Funding That Sparks New Opportunities

Get Started
Business Line of Credit - Thinking Capital
Small Business Loans - Thinking Capital

Improve your business cash flow with our flexible line of credit. Apply in minutes, get pre-approved instantly and benefit from 24/7 access, all online. Withdraw your funds on your terms and use the capital to:

 

Buy more inventory

Pay for new marketing initiatives

Cover accounts payable

Scale up your team

 

Make your next move knowing that you have access to revolving credit that is automatically refreshed upon payment. With Thinking Capital’s line of credit, you’ll benefit from increases in credit limits that are driven by business health and repayment history.

 

Apply in Minutes

Get pre-approved instantly and use your line of credit in as little as 24 hours.

 

Create an account

Enter your details

Connect to your business bank account

Start Now

Apply for your business line of credit today.

Apply Now

Signing up does not impact your credit score

Apply in minutes - Thinking Capital

 
 
Security

Business Line of Credit FAQ

Learn More
 


Business Line of Credit FAQ


Common Reasons for a
Small Business Line of Credit

Extra cash flow to cover expenses

Upgrading or repairing your business equipment

Securing inventory

Stocking up on inventory or raw materials

Leasehold improvements

Remodeling or renovating your store

Moving your business to a new location

Hiring or training new employees

Launching a new marketing or ad campaign

Paying off existing or overdue taxes

Paying supplier invoices in full

Purchasing or financing company vehicles

Common reasons for small business line of credit

Common Reasons for Small Business Line of Credit

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Extra cash flow to cover expenses
Upgrading or repairing your business equipment
Securing inventory
Stocking up on inventory or raw materials
Leasehold improvements
Remodeling or renovating your store

Moving your business to a new location
Hiring or training new employees
Launching a new marketing or ad campaign
Paying off existing or overdue taxes
Paying supplier invoices in full
Purchasing or financing company vehicles


Everything You Need to Know About Thinking Capital’s New Business Line of Credit

Cover expenses, buy more inventory or launch a marketing campaign with the help of a line of credit, and take your business to the next level. As a Canadian small business, rely on Thinking Capital’s financing solutions as your business evolves.

Thinking Capital’s Small Business Line of Credit is the only digital funding platform that offers entrepreneurs up to $300,000, which can be drawn at any time.

Benefits to Your Business

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Simple Application

Save time, apply in 3 simple steps and get pre-approved instantly.

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Access Revolving Credit

Take advantage of revolving credit that is automatically refreshed upon payment.

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24/7 On Demand Access to Funds

Once approved, skip the line and access your funds anytime, anywhere.

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Repay your Way

Choose from daily, weekly or bi-weekly payments or pay early and save on interest*.

Why Choose Thinking Capital’s Small Business Line of Credit

Thinking Capital Small Business Line of Credit

Traditional Bank Business Line of Credit

Traditional Bank Business Credit Card

Alternative Lender Business Loan

Alternative Lender Merchant Cash Advance

Revolving Credit - Credit is refreshed as your draw and repay

24/7 On Demand Access -

Draw funds anytime, from anywhere

Qualification Requirements - Eliminate the red tape

Low

High

Medium

Low

Low

Repay your Way -

Payment options

Daily, Weekly
and Bi-Weekly

N/A

N/A

Daily, Weekly
or Bi-Weekly

Daily

Payment Option Flexibility -

How draws impact repayments

Fixed Loan Interest
/ + Principal

Monthly Minimum or Interest Only

Monthly Minimum or Interest Only

Fixed Loan Interest / + Principal

Variable
Repayment

Early Payment Flexibility -

Benefit from early payments

Yes

No Penalty*

Yes

No Penalty

Yes

No Penalty

Limited
Flexibility

Limited
Flexibility

Credit Limit Changes -

Take advantage of frequent increases

Monthly Review

Annual or Semi-Annual Review

Annual or Semi-Annual Review

None

None

Application Process -

Let it be simple

Easy

(no paperwork or wait time)

Detailed

Moderate

Easy

Easy

Quick Application Process -

Benefit from a quick process

10 minutes

Days-Weeks

Days-Weeks

1-2 hours

1-2 hours

Additional Fees -

Save on setup costs

None

Monthly or Annual Fees

Monthly or Annual Fees

May Apply

May Apply

*Based on amount. Conditions may apply.
 

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Our Trusted Partners

Alterna Bank
CIBC
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Industries We Serve

Grocery Stores
Grocery Stores
Home Businesses
Home Businesses
Contractors
Contractors
Auto Shops
Auto Shops
Health Services
Health Services
eCommerce Businesses
eCommerce Businesses
Beauty Salons & Spas
Beauty Salons & Spas
Retail Stores
Retail Stores
Restaurants and Bars
Restaurants and Bars
Florists
Florists
Fitness Clubs
Fitness Clubs
Pet Stores
Pet Stores