We're a Canadian business financing brokerage and registered ISO. Instead of one bank's answer, your file goes to our network of funding partners and you choose the offer that fits. A funding advisor calls you within one business hour.
About 2 minutes. No credit check at this stage.
A funding advisor will call you within one business hour (Mon to Fri, 8:00am to 8:00pm ET) to go over your options. Have your last few bank statements handy and we can often complete your application on that call.
One application. We shop your file across our funding partners and bring back the strongest offers. You pick what fits.
An advance on your future sales, repaid as a fixed daily or weekly remittance. Fast, flexible, and approved on revenue rather than credit. Best for short-term needs where speed matters more than the lowest cost.
A lump sum with fixed, predictable payments over a set term. The structured choice for renovations, expansion, a partner buyout, or any one-time investment with a clear payoff.
Approved once, draw whenever. A revolving safety net for payroll gaps, repairs, or bulk-buy opportunities. Pay for what you use.
Fund trucks, machinery, kitchen or medical equipment with the asset itself as security. Preserve working capital while the equipment earns its keep.
Stop waiting 30, 60 or 90 days to get paid. Turn outstanding invoices into cash now. Built for B2B companies, trucking, staffing and contractors with slow-paying clients.
As a registered ISO we can set up or review your debit and credit card processing alongside your funding. Lower your rates, modern terminals, and repayment that runs through the account you already use.
No branch visits. No 40-page business plan. No waiting weeks for a maybe.
Two minutes on our pre-qualification form: your business, revenue range, how much you need. No credit check, no documents yet.
About 2 minutesA funding advisor calls within one business hour, completes the application with you, and collects your bank statements. Most files are complete on that first call.
Within one business hourYour file goes to our funding partners. We walk you through every offer in plain dollars. Sign electronically and funds are wired to your business account, often the same day.
As fast as same dayMost brokers only see your bank statements. As a registered ISO, we also understand how your card sales flow, which is what most funders underwrite on. That means we package your file the way underwriters want to see it, and we can often improve your processing costs at the same time.
Most clients have everything ready in under ten minutes:
Banks decline most small business applicants. Our funding partners say yes more often, and much faster.
| Canada Loan Experts | Traditional Bank | |
|---|---|---|
| Time to a decision | Same day on a complete file | 2 to 8 weeks |
| Application | 2-minute form, then one call | Business plan, financials, tax returns |
| Credit flexibility | Revenue-based. Past credit issues often OK | Strong personal credit usually required |
| Collateral | Not required on most programs | Often required |
| Offers to compare | Multiple funders competing for you | One institution, one answer |
| Cost of checking | Free, no obligation, no credit impact | Hard credit pull |
Alternative financing costs more than a bank loan. In exchange you get speed and approval odds a bank can't match. We show the total payback in dollars on every offer so there are no surprises.
Illustrative only. Your offer depends on revenue, time in business and funder.
Illustrative only. Rates vary by funder and credit profile.
A merchant cash advance is a purchase of future receivables, not a loan, so it is priced with a factor rate rather than an interest rate. Because remittances are fixed and the term is estimated, the equivalent annual cost depends on how quickly your sales repay the advance; it is typically higher than the term loan shown. Some funders offer early-payoff discounts. Our brokerage fee is paid by the funder and is disclosed in your offer. All examples exclude any origination or administration fees a funder may charge, which are always shown before you sign.
If your business has steady revenue, we very likely have a program for it.
Don't see your industry? Ask us anyway. Our funding partners cover dozens more.
You don't need perfect credit or years of financial statements. If you meet these three basics it's worth a conversation, and we'll tell you straight if a program isn't right for you.
Credit scores in the 500s, a prior bankruptcy, a seasonal business or an existing advance don't automatically rule you out. Our funding partners weigh your deposits and sales more heavily than your score. The fastest way to find out is a five-minute call.
Call (365) 517-6634 Check eligibility onlineReal funding, real timelines, real people picking up the phone.
"We'd been running our flower business online since 2023 and were ready to open our first retail store. We signed the lease, but still needed funding for renovations and inventory. When the bank told us the process could take months, we were worried about paying rent on a store we couldn't open. Eial helped us get funded the next day so we could get moving. I'd recommend giving him a call if you're opening or expanding a business."
"After COVID expenses piled up, my credit wasn't in great shape, and I wasn't sure I'd qualify for funding. Mike looked at the sales my business was bringing in and helped me get approved for inventory before the holidays. That gave me a chance to stock up when it mattered most. I'm glad I reached out."
"Our ventless hood system broke down on a Wednesday, right before a busy long weekend. The repair was expensive, and we needed funding quickly. Canada Loan Experts got us approved Thursday afternoon, with the funds in our account before the weekend rush. When you're running a restaurant, that kind of speed makes a real difference."
Stories shared with permission. Names and business details are withheld at our clients' request. Financing is a private matter and we treat it that way.
Straight answers. Anything else, call us and a person will pick up.
Check your options in two minutes. No cost, no obligation, no impact on your credit.
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