🇨🇦 CANADIAN BUSINESS SOLUTIONS
Working Capital Canada
Bridge seasonal sales dips and cover operations with fast, non-dilutive working capital. Up to $250,000 in operational liquidity within 72 hours.
🇨🇦 100% Canadian Owned & Operated
🔒 Bank-Grade 256-bit Encryption
⚡ 24 to 72 Hour Funding Decision
📈 No Asset Collateral Required
How Working Capital Canada Works
Unlike traditional bank loans that require business plans, financial projections, and assets as collateral, we qualify your business based on your average monthly deposit history.
01.
Apply OnlineFill out our secure 3-step application form in under 3 minutes.
02.
Verify DepositsUpload your last 6 months of bank statements to establish monthly revenue.
03.
Receive CapitalApproval decision is reached within 24–72 hours and funds are wired to your account.
Minimum Eligibility Criteria
- ✔ Active business operations in Canada
- ✔ At least 6 months of active sales history
- ✔ Minimum $10,000 in monthly revenue deposits
- ✔ Clean business checking account history
Required documents for review: Clean PDF copies of your last 6 months of business bank statements. No screenshots or paper photos.
Advantages
- ✓ Use funds for any business purpose (payroll, inventory, equipment, tax)
- ✓ Fast access to liquidity when banks say no
- ✓ Flexible terms matching your seasonal cash flow
- ✓ Does not dilute corporate ownership or require board seats
Disadvantages
- ✕ Short repayment terms compared to traditional 5-year loans
- ✕ Repayments start immediately following funding
Frequently Asked Questions About Working Capital Canada
What is working capital used for?
Working capital is used to fund daily operations, bridge seasonal cash gaps, buy inventory, meet payroll, or cover emergency expenses. Unlike equipment finance, it is not restricted to a specific asset.
How much working capital can I qualify for?
Most Canadian partners approve working capital amounts up to 100% to 150% of your average monthly deposits. If you average $30,000/month, you can expect an approval range between $30,000 and $45,000.