Flex Financing

A Cash Advance Financing option that works with the seasonality of your business.

What is Flex Financing?

Flex is what we call our merchant cash advance. Flex is a product custom-tailored to meet business financing needs of Canadian small business owners. It allows you to use your future sales for upfront working capital today! Using your debit and credit card transactions (plastic sales), we provide a simple borrowing and repayment experience. This hands-off approach to business financing gives you more time to work on bigger and better things.

Merchant Cash Advances

A merchant cash advance, also known as a business cash advance, refers to a lender providing a small business owner with capital in exchange for a percentage of future sales. Unlike traditional bank loans, things like business credit or credit scores don’t factor into the equation, and in many cases, all you need is a good volume of weekly and monthly merchant card transactions to make it work.

You will receive a lump sum cash advance, and the lender will receive a percentage of your business's daily credit card sales until the terms of the advance have been met. For many business owners, merchant cash advances represent a fast and simple way to get capital that may not be available otherwise.


How does it work?

When your business experiences a slow month, the repayment amount is lowered to accommodate. During busy months, it is higher - allowing you to pay off your borrowed amount faster! Let us show you how.


You receive a direct deposit.

After approval, we deposit the requested amount directly into your bank account within 2 business days

We connect to your processor.

We are partnered with major payment processors in Canada. We directly work with them to collect payments on your behalf. This entire process is seamless for you.


Repayment is a % of your sales.

The percent that is repaid is tailored to each business owner based on their needs. This percent-based repayment option leaves you with one less thing to worry about.

Track everything online.

You get access to your personalized financing portal. Here you can manage and track your small business financing.


Benefits for Small Business Owners

When you make the choice to use a merchant cash advance to help grow your business, you are providing yourself with financial flexibility that you can’t get with other financing options. Because the size of your bank account isn’t relevant, you will be able to reach your business goals much faster and remain on your projected schedule without any unnecessary delays.

Merchant cash advances deal with the reality of your day-to-day business activities, so you are rewarded for the fact that you’ve created a business with consistent daily credit card sales. You can take the next action in your overall business plan at the appropriate time and stay one step ahead of your competitors.


Fixed Cost

There is a fixed cost of borrowing regardless of how long it takes you to repay.

Flexible Repayment

Aligns with your business’s sales cycle. As your sales fluctuate, so does the repayment amount!

Fast Funding

Apply, qualify and receive your business financing – in less than 2 business days!

Reasons for Merchant Cash Advances

Here are some reasons that small business owners raise capital with a merchant cash advance:

Cash Flow

Extra cashflow to cover expenses

Upgrade Equipment

Upgrading or repairing your business equipment


Purchasing or expanding more inventory


Remodeling or renovating your store

New Location

Adding a new location to for your customers

New staff

Hiring or training new employees


Launching a new marketing or ad campaign

Debt Consolidation

Paying off existing debts and consolidate


Developing new products or services


Adding or upgrading company vehicles

Why Thinking Capital

We have been active in the business loan industry since 2006, and since that time, we have provided more than 15,000 businesses in 300 industries with over $1 billion to help them get started or grow.

Our unique combination of technology, people, and industry experience has allowed us to offer lending solutions that even traditional financial institutions can't ignore. If you like the idea of merchant cash advances then find out if you qualify today!


Thinking Capital is among the pioneers of modern merchant cash advances, and we have used this concept to provide capital to scores of businesses from a range of industries that include:


We charge a flat fee that is added to the balance of the approval amount and payments are made daily Monday to Friday. Upon banking holidays the payments are collected the following business day.
Ready to take your business to new heights?