Get on the path to success.
Quick and convenient online financing
to propel your business forward.
10 minutes
to apply online
3 credit products
to choose from
0 risk
to your credit score3
4.9/5
Trustpilot score
The right business financing for every milestone.
Business
Term Loan
From $10K up to $500K1
A fixed and predictable repayment over a set term.
Business
Line of Credit
From $10K up to $500K1
Pay only for what you take from this financing on demand.
Flex
Funds Advance
From $5K up to $500K1
Flexible repayment built to align with your business’s natural ebbs and flows.
See why businesses choose to go the distance with us.
Credit options
1 simple application for 3 credit products. Journey Capital offers the widest array of credit products for you to choose from.
Fast funding
Get funded in as little as 24 hours2,3 and benefit from instant funding on Line of Credit withdrawals via Interac e-Transfer.
No hard credit pull to apply4
See what you qualify for risk-free. There is no obligation to continue and applying will not affect your credit score.
Expertise on demand
Our team of lending advisors are available on demand to discuss your credit needs and walk you through your options. Whatever your destination, we’re here to get you there.
Are we a good fit for your business?
The journey forward is clear and simple.
If your business meets these basic requirements, our online application process will have you on your way to funding in minutes.
Minimum Requirements
Time In Business 6 Months
Credit score 600
Annual revenue $100K
Incorporated in Canada
Canadian Business bank account
Our Journey.
2009
Year founded
$1B
In capital funded
16K+
loans funded
We’re proud to serve small businesses.
Here’s what they have to say about us
General FAQ
Journey Capital provides fast, flexible financing solutions to small businesses across Canada. We offer business term loans, lines of credit, and flex fund advances tailored to your business needs, with an easy online application and funding in as little as 24 hours.
If you run a Canadian small business with a registered business number, at least $120,000 in annual revenue, and six months or more of operating history, you’re welcome to apply. We support a wide range of industries and business types.
Journey Capital is a direct lender. That means we make lending decisions in-house and work directly with you to tailor the best financing solution for your business.
You can apply online in minutes and receive a pre-approval decision almost instantly. Many businesses receive funds in as little as 24 hours after approval.
No, applying won’t impact your credit score. We use a soft credit check for pre-qualification and only perform a hard check if you choose to move forward with funding.
No, applying is 100% free and comes with no obligation. You’ll see your options before committing to anything.
We offer personalized lending options, a fast digital experience, and flexible repayment structures. Plus, with clear pricing and no hidden fees, we can help you grow without any surprises.
We serve small businesses across all provinces and territories in Canada.
We work with a wide range of businesses in retail, food & beverage, health & wellness, and more, including restaurants, convenience stores, automotive service providers, salons, and specialty shops.
Funding subject to lender approval.
Flex Funds is not a loan but a sale of future credit and debit receivables
Pricing for Business Term Loans ranges from 8%-29%, cents on the dollar (for each dollar borrowed, the amount of interest paid ranges from $0.08-$0.29). Lower rates available and may be offered to business with strong creditworthiness.
1 Loans above $300,000 may require additional security as collateral and are subject to additional approvals.
2 On average, file processing can take 24-72 hours.
3 On average, funds are transferred within 24 hours upon receipt of an accepted financing contract.
4 For application and adjudication purposes, a soft pull credit will be performed. Soft pulls will appear on your credit report but will have no effect on your credit score. A hard pull will be performed only if you accept one of our credit products.