Financing tailored to your unique business needs.
Fund your business forward with fast and flexible financing options.
is now Journey CapitalTM
Three credit products, one simple online application, and funding in as little as 24 hours1.
Business Line of Credit
Keep your business moving forward with working capital on demand. Pay only for what you use from this true, revolving business line of credit.
From $10K up to $300K
Business Term Loan
Fund your next milestone with short-term capital infusion to fund specific projects or purchases and drive your business forward.
From $10K up to 300K
Flex Business Funds
Seasonality ahead? Aligned to work with your fluctuating cash flow. Pay back faster when sales are strong and benefit from smaller payments when they’re not.
From $5K up to 300K
Whatever your destination, we’re here to get you there as smoothly as possible.
Financing at your fingertips.
Apply for three financing products online in under 10 minutes – anytime, from anywhere.
Manage your funds
Manage your funds and then some from your online account. Draw more funds, review new financing offers, and a whole lot more.
Expertise on demand
Online doesn’t have to mean impersonal. We’re here to support you every step of the way. How much or how little, is entirely up to you
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
Funding your path forward is simple.
1
Apply online
Complete our online application to find out how much you qualify for. Applying is 100% risk free. There is no obligation to continue and applying will not affect your credit score.
2
Fast funding
Get up to $300,000 in as little as 24 hours1,2. Your funds are deposited directly into your business bank and ready to use to move your business forward.
3
Automated repayments
We’re all about keeping things simple so we set up convenient automatic repayments for you. Choose from daily or weekly, whatever suits you best.
We say yes to more businesses, because we can.
It’s not magic, just a lot of experience. Small businesses are unique, and we know the health of your business is based on more than just a credit score. We use a combination of technology and real people to evaluate you and your business financing needs.
You, the Owner
Personal
Credit Score
Payment
History
Total
Debt
Percent of
Business Owned
Your Business
Business
Credit Score
Annual
Revenue
Public
Records
Cash
Flow
Years in
Business
Trusted by thousands of Canadian business owners just like you.
Funding subject to lender approval.
Flex Funds is not a loan but a sale of future credit and debit receivables.
1On average, file processing can take 24-72 hours. Funds are generally transferred within 24 hours of contract acceptance and satisfaction of all funding conditions. On average, funds are transferred within 24 hours upon receipt of an accepted financing contract.