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Funding the unexpected

Truck broke down? Receivables late? Product stuck on a ship somewhere?

Unlock fast funds to tackle whatever life throws your business’s way

Funding the unexpected

Unexpected business hurdles don't have to turn into catastrophes

With instant approval and cash in your account in as little as 24 hours, we help you tackle the issue today before it can do real damage.

Weather the storm

Your product’s stuck on a ship somewhere so you’ve got nothing to sell. We help you pay the bills while you ride out those few weeks of losses.

Pay overdue invoices

Your key supplier is waiting to be paid but your client’s having cashflow issues and can't pony up for another two weeks. We help you bridge the gap.

Take on mechanical breakdowns

The refrigerator’s making an unearthly noise and the clock’s ticking before you lose a week’s worth of product. We help you with the funds to fix or replace it ASAP.

HOW IT WORKS
01

Apply in 3 simple steps and
get pre-approved instantly

Our all-digital credit application process is quick and easy and typically takes less than 10 minutes. We ask for basic information about you and your business. We ask you to securely connect your online banking information. And as soon as you're done, we'll tell you exactly how much you can borrow - all without hurting your credit score.

02

Draw what you need, when you need it

When your application is complete, you'll know exactly how much you can borrow, but only you know how much you actually need right now. Make individual draws from within your overall business loan limit, each with their own fixed fees and terms. All pricing is up front, with nothing hidden in the small print.

03

Use our support for whatever you need

Choose the repayment schedule that makes sense for your business—from daily, weekly or bi-weekly payments, or pay early to save on interest. Borrow from $500 to $300,000 on 2, 3, 4, 6, 9, or 12 month terms, with absolutely no hidden fees.

See if your business qualifies

Qualification is simple.
No heavy paperwork.

If your business meets the following basic criteria, our all-digital process will have us on the way to helping you in minutes.

Your business is legally registered

Your business is based in Canada

Your average monthly revenue is at least $3,000

You have been operating for at least 3 months with a dedicated business bank account

You have good personal and business credit history

What do you need right now?

Every day brings a different challenge and a different opportunity. At Thinking Capital, we're here with the funds you need when you need them, whether that's to seize the moment, to face down business calamities, or to bet on yourself as you take your business to the next level.

Inventory Funding

The busy season’s coming and you need to stock up?

Seasonal challenges aren't just for holiday stores. When times are quiet, we help you secure funds to stock up for the busy days ahead.

Payroll Funding

Need to pay your team but that big invoice is past due?

If you wait until you can afford the people who will take your business to the next level, you might never get there.

Marketing Funding

Got a great product but need to get the word out?

A business can’t grow without putting itself out there. We help you line up your brand, marketing, and ad spend to make that big public splash.

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?