Canadian Small Business Financing

Put your financing in the best hands. iCapital’s stress-free funding options and great customer service mean you can focus on what’s most important, growing your business.

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On your side!

Forget the hurdles, tedious applications and risk of over-leveraging. With iCapital you get the money you need and the great customer experience and care you deserve.

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5-minute application & 24-hour approval

98% of applications get approved

Get up to $250,000 in 48 hours

100% transparent

Get up to $250,000

In 3 easy steps

Step 1

Request an estimate

Complete the 60-second online application telling us your name, company and annual gross sales.

Step 2


Fill out our secure application, which includes basic information about your business and contact information. Within 24 hours, a customer care representative will contact you to discuss the best payment frequency for your business and the funding details.

Step 3


The automated payment system makes repayment hassle-free and highly secure, thanks to our partnership with DC Bank. And, you can access your account 24/7 through our secure customer portal. You will receive monthly communications, including a summary of your balance.

Small Business Loans & Other Financing Options

With iCapital, getting money for your business is simple and straightforward.
Apply today. Get the funds you need in 48 hours.

Term Loan

The stress-free small business loan

Receive the loan now, then repay it over a period of up to 24 months through an agreed-upon amount drawn from your account.

Merchant Cash Advance

The flexible small business loan alternative

Receive the cash advance now, then replay us over time through a small percentage of your daily credit and debit card sales.

Not Your Typical Lender

Very proudly Canadian

We’re owned, operated and funded 100% by Canadians (unlike most of the other small business lenders out there). When you choose iCapital, you are supporting a fellow Canadian business.

Why iCapital

Great reviews & ratings

Since we opened our doors in 2007 we’ve focused on serving customers better. We actively request customer feedback so that we continue to ensure you get a great experience with iCapital.

Customer testimonials

Better service right from the start

We do everything we can to make your experience positive. We ensure the financing won’t over-extend your business, and we support you with resources to help your business thrive.

Our 7-point promise


Having up-to-date equipment and products is a must in the health and beauty industry. We now have new product lines and equipment and can offer services others can't. This financing has made a huge difference to our business.

Robert Caputo | Salon Owner, Scarborough ON

When I decided to renovate my restaurant iCapital came through for me. My account rep, Domenic, was very helpful and made the process really easy. It was completely different from my experience dealing with the banks in the past. And the best part is the cost of the reno paid for itself within the first season!

Rocco Silvaggio | Restaurant Owner, Toronto ON

Raising money for expansion is not easy, but iCapital made it very simple. They helped us move into our dream location and business has never been better! We were most impressed with how fast they replied to our emails and phone calls. It is very reassuring to have this much support.

Deb Hoisington | Pet Store Owner, Sylvan Lake AB

When our slow season came about and the bills started piling up, it was iCapital's fast and easy funding process that got us through. Within seven days we had the money we needed. I strongly recommend iCapital to any business owner trying to raise money for their business.

Neil Pramauntanyatath | Restaurant Owner, Hamilton ON


Do I Qualify?

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Do I Qualify?

Unfortunately you are not eligible at this time, but things change! Let's stay in touch.
We will contact you if our requirements change and will keep you up to date with our latest services so you wont miss out.