Canadian Small Business
Loans

Name: Thinking Capital
Brand: Thinking Capital
SKU: Small_Business_Loans
Rating: 4.8 (767 reviews)

Innovate as Your
Business Grows

Get Started

Small Business Loans

Innovate as Your
Business Grows

Get Started

Our Canadian small business loan gives you quick access to capital you can use to run your business. Our simple application process takes only a few minutes, and your funds are available for use in as little as 24 hours. Choose a repayment option that works for you and start exploring new opportunities that will keep you on track for success.

Apply Now

Apply in Minutes

Get approved instantly* and access your funds

Create an account

Enter your details

Connect to your business bank account

Canadian Small Business Loan FAQ

Our small business loans provide small and medium businesses like yours easy access to the working capital you need to secure or increase your inventory, fix or buy new equipment, launch effective marketing campaigns, carry out renovations, or expand to additional locations. Considered a fixed loan, any Thinking Capital Small Business Loan you take out has its own repayment schedule and requires that you pay a fixed interest rate and principal.

Applying for your small business loan 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.

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Common Reasons for a
Small Business Loan

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

Apply in Minutes

Get approved instantly* and access your funds

Create an account
Enter your details
Connect to your business bank account

*Approval subject to identity verification and underwriting requirements. Applying does not impact your credit score

Small Business Loan FAQ

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.

What Our Customers Say

“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

“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!