$5,000to$1,000,000
From your next purchase to your next chapter.
Explore my optionsTrusted by 1,000+ Canadian businesses yearlyBusiness funding.
$5,000 to
$1,000,000.
Business funding in 24–48 hours for eligible businesses. Explore small business loans, merchant cash advances and equipment financing with MicroCapital.
Subject to approval, a complete application and provider and bank processing. Amounts and timing vary by business and financing product.
Explore my optionsTrusted by 1,000+ Canadian businesses yearly
Built for your next moveBig plans.
Big plans.
Real possibilities.
Stock up. Upgrade. Grow. Find a financing option that fits the way your business works.
24–48hours
Funding for eligible businesses, once the required review is complete.
Equipment financingTools for
Tools for
what’s next.
Merchant cash advancesTurn sales into
Turn sales into
your next move.
Explore funding repaid from future sales. Compare the total cost and collection terms.
Plan before
you borrow.
Estimate your business loan payments.
Try the calculatorAmounts and 24–48-hour funding are subject to eligibility, approval, a complete application, and provider and bank processing. Availability and terms vary by financing product.
Business loans
Capital for your
next big move.
From a new opportunity to day-to-day expenses, explore small business and SMB loans that fit the way you work.
Plan your growth
Prepare for seasonal needs
Compare the full cost
Decide on your terms
Equipment financing
The right tools.
More room to do.
A new machine. A better workspace. Equipment financing can help spread the cost of assets your business needs. Compare ownership, security and repayment terms.
Restaurant & retailConstruction & industryHealthcare & dentalTechnology & offices
Explore equipment financingTrusted by 1,000+ Canadian businesses yearlyFrom idea to next stepLess back and forth.
Less back and forth.
More moving forward.
Tell us your plans
Share what your business needs and how you plan to use the financing.
Explore the possibilities
A provider reviews your situation and explains any available options.
Choose with confidence
Review the full cost and terms. You decide whether to accept an offer.
Keep your business movingKeep your cash flow
Keep your cash flow
one step ahead.
Understand the difference between a term loan, a line of credit and working capital financing.
Explore cash flow financingTrusted by 1,000+ Canadian businesses yearly
The business notebookA little knowledge.
A little knowledge.
A stronger next step.
Find your fitYour business.
Your business.
Your financing options.
Start with your project, your industry or where you do business.
01
Financing solutions
02
Your industry
03
Business owners
04
Across Canada
From $5,000 to $1,000,000.
Funding in 24–48 hours.
Explore my optionsTrusted by 1,000+ Canadian businesses yearlyFor eligible businesses, subject to approval and a complete application. Amounts, pricing and timing depend on the product, provider and bank processing.
A little clarityGood questions.
Good questions.
Clear answers.
Is MicroCapital a lender?
MicroCapital is a business financing broker and referral platform. Financing decisions, rates, fees and repayment terms are set by the provider.
What do lenders look at?
Requirements vary. Providers may review operating history, business revenue, cash flow, existing debt, credit and the purpose of your request. Ask which documents and guarantees apply.
Are approval or funding times guaranteed?
No. Submitting an application does not guarantee an offer. Verification, provider review and bank processing can affect timing.
How should I compare business loan offers?
Compare the amount received, total repayment, all fees, payment frequency, term, security and personal guarantees. Ask about early repayment and missed-payment conditions.