Thinking Capital has a new look. Our commitment to you hasn’t changed. Learn more.
Payroll Funding

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

Unlock fast funds from $500 to $300,000 to address your payroll needs today

Payroll Funding

Payroll challenges are urgent for both you and your team

We're here to help.

Beat the cash flow crunch

When your customers take 90 days to pay you but your team expects biweekly compensation, we help bridge the gap.

Hire the talent you need

If you wait until you can afford the people who will take your business to the next level, you might never get there. We help you invest in building and growing your team on your terms.

Don't lose your team to layoffs

It took time and hard work to build up your crew. How pointless would it be to lose them over a short-term crunch?

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.

Ecommerce Funding

Need capital that keeps pace with eCommerce?

We’re digital, flexible, and fast on our feet. Just like your growing online business.

Funding New Projects

New products? Channels? Seize-the-moment growth opportunities?

Whether it’s expanding to new locations, audiences, or product lines, we help you invest in growing your business.

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.

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?