Business Line of Credit

Accessible Funding That Sparks New Opportunities

Business Line of Credit

Accessible Funding That Sparks New Opportunities

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

Apply Now

Do I Qualify?

Answer these quick questions to
check whether your business
meets our requirements.

Are you a Canadian-based business?

Have you been in business for at least 6 months?

Are your average monthly sales greater than $7,000?

Do you have a dedicated business bank account?

Business Line of Credit FAQ

A business line of credit 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 your line of credit as needed for inventory, special projects, marketing, renovations, etc. Every withdrawal you make from your line of credit 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 line of credit is automatically refreshed, giving you continued access to the funds you need. As your business grows, so should your line of credit. We reassess your business performance every 30 days, so your limit will be revised based on your business.

Increases to your line of credit will be changed or revised based on your credit, business performance and repayment history. Every 30 days, we reassess your business performance to see whether you can afford a higher credit limit. The amount of available credit will increase as you pay back what you’ve withdrawn from your account, so that you can continue to use the funds you need for whatever expenses you may have.

Applying for your line of credit is quick and easy. Simply create an account and enter your details. You’ll be asked to connect your business’ online banking account, which gives us insight into your cash flow and sales so that we can provide a line of credit that works best for your specific business needs. Don’t worry; this process has absolutely no impact on your business or personal credit score.

Learn More

Business Line of Credit FAQ

Increases to your line of credit will be changed or revised based on your credit score and connected bank account activity. Every 30 days, we reassess your business performance to see whether you can afford a higher credit limit. The amount of available credit will increase as you pay back what you’ve withdrawn from your account, so that you can continue to use the funds you need for whatever expenses you may have.

Applying for your line of credit is quick and easy. Simply create an account and enter your details. You’ll be asked to connect your business’ online banking account, which gives us insight into your cash flow and sales so that we can provide a line of credit amount that works best for your specific business needs. Don’t worry; this process has absolutely no impact on your business or personal credit score.

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

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

Benefits to Your Business

Simple Application

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

Access Revolving Credit

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

24/7 On Demand Access to Funds

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

Repay your Way

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

See How Our Line of Credit Compares

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.

What Our Customers Say

“Thinking Capital was great for helping me with all my needs! They helped my small business get approved for a small short term loan to help get us through a cash flow issue. Access to the loan was fast and payment options were flexible.”

- Don, Beauty Salon Owner in Toronto, ON

“Thinking Capital is a better supporting Financial company for small businesses than any others. Unlike the Chartered Banks their process was simple, faster and friendly. They really understand business needs and help achieve the business goals. Fati, who handled my loan was very professional, kind and understanding.”

- Kulla, Transport Company Owner in Scarborough, ON

“Had an overall amazing experience with Fati and her team, we needed a boost in our business with a loan and Fati was very helpful in providing the essential tools for what we where looking for. The whole process was very simple and straight forward, would highly recommend using thinking capital if your self employed and need some access to extra funds.”

- Gabor, Contractor in New York, ON

“Thinking Capital was easy to apply to, I was able to speak to actual people who were very knowledgable about the funding you were able to provide and lastly, with the money being withdrawn daily, I don't have to be reminded of a payment date. The entire situation was very clear from day one.”

- Nancy, Manufacturing Company Owner in Mississauga, ON

“This lending service is painless. Yes I may pay a little more in interest but the convenience and flexibility far out ways the difference. There is no downtime in your business because all transactions are done by phone or computer. The service has given me piece of mind to be able to concentrate on my business. Thank you.”

- Barbara, Beauty Salon Owner in Brampton, ON

“Thinking Capital works with your company making sure funds are available for advertising, increasing inventory funds & promoting funds when needed. Very easy to work with and understands retail. Thanks Thinking Capital for taking us through the hard times and always there when we needed the extra funds.”

- Rita, Retail Owner in Calgary, AB

Apply Now

Our Trusted Partners

Industries We Serve

Small Business Loans supporting Canada’s different Industries

We aim to do things differently, bringing you closer to your business growth targets, without the headache of jumping through multiple hoops to get business funding.

Apply for up to $300,000 and join the thousands of businesses in industries from A-Z access the working capital or extra cash flow to make purchases, renovate, innovate, advertise, overcome challenges... or do whatever you need to do to level up your small business! At Thinking Capital, we understand that the process of applying for small business financing can be fraught with frustration and may be discouraging for many established start-ups or small businesses who struggle to meet the stringent criteria of larger banks or lenders.

Whether you're looking to stay on top of your payroll, hire more staff, or upgrade your technology to meet your business growth objectives, we're committed to helping you get there!