Blog | iCapital Financial Services

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Improving Your Small Business's Financial Health: Tips for Budgeting and Forecasting

Strong budgeting and forecasting are key to lasting success. This guide covers practical tips to help you manage cash flow, set financial goals, and plan for growth with support from iCapital when the bank isn’t an option.

Blog

Scaling Up: How to Know When Your Small Business is Ready to Grow

Growth is exciting, but timing is key. At iCapital, we help Canadian small business owners secure funding for smart expansion. This guide covers the key signs—steady revenue, high demand, and financial stability—to know when it’s time to scale.

Blog

Harnessing Brand Identity to Stand Out in a Competitive Market: Steps for Small Business Success

Your brand is more than a logo—it’s what sets you apart. By defining your mission, understanding your audience, and creating a cohesive identity, you can attract loyal customers and build trust. Consistent branding across all touchpoints ensures a lasting impact. Make your brand unforgettable.

Marketing

Kickstart Your Small Business Marketing for 2025

Start the year strong with strategies to grow your small business. Leverage holiday momentum, embrace AI, refresh your digital presence, and explore trends like video marketing and interactive content. Build trust, connect with your audience, and set the stage for lasting success in 2025.

Marketing

Leverage Location-Based Marketing to Drive Your Business This Holiday Season

Learn how location-based marketing can boost local sales and help your small business thrive this holiday season with tips from iCapital.

Marketing

7 Tips to Avoid Spoiled Inventory

Struggling with food waste and rising costs? Learn how to optimize your restaurant's inventory management with our 7 expert tips. From FIFO to regular stock checks, we'll guide you through the process of minimizing waste and maximizing profits.

Management

Simple Strategies to Manage Your Seasonal Inventory

Navigating the challenges of seasonal inventory in retail requires careful planning and execution. This blog offers valuable strategies to avoid overstocking or understocking, optimize inventory levels, and maximize profitability. Learn how to anticipate demand, leverage data analytics, and effectively manage your seasonal cash flow. Discover tips for marketing and customer engagement to drive sales and ensure success throughout the year.

The Crossroads of Growth: Why Separating Business and Personal Finances Matters

Running a small business is a thrilling journey, and having a clear financial roadmap is key to long-term success. One essential step? Keeping your business and personal finances separate. In this blog, we’ll explore why this practice is crucial for building a strong foundation, protecting your assets, and streamlining operations for growth.

Accounting ,Personal Loan

Summer Slowdown? 3 Creative Marketing Ideas to Keep Your Small Business Top-of-Mind

Discover how to grow and scale your small business this summer with these three creative marketing ideas, including cost-effective strategies and insights on Canadian small business funding and loans.

Marketing

5 Cost-Effective Strategies to Scale Your Canadian Small Business

Congratulations on your thriving small business! Now, is it time to grow? This guide explores key signs your business is ready for expansion and offers five cost-effective strategies to achieve it while keeping finances in check. Let's explore how to scale your Canadian business successfully.

Small business financing Canada

Unplugging for Success: How Small Business Owners Can Take a Well-Deserved Vacation

Small business owners, a break isn't a luxury, it's a necessity. Our tips to unlock the secrets to a rejuvenating vacation that boosts productivity, empowers your team, and keeps your business humming.

Management

iCapital Helping SMBs Weather Cash Flow Challenges

Tight bank requirements or unpredictable income hurting your business? You're not alone! Read how iCapital, a leading Canadian online lender, helps businesses like yours with easy access to capital. Their unique approach uses cash flow, not credit scores, to help businesses bridge gaps, finance growth, and thrive.

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Our lending guidelines

iCapital Financial Services does NOT loan money to business start-ups or investors. iCapital does not conduct payday loans nor provide personal lines of credit, credit cards, mortgages or other personal financial services.

We have 3 types of financial products:

Secured term loan & Unsecured term loan - For a term loan with iCapital, there are no interest charges. Our rate is a flat fee added to the amount borrowed, which will be determined based on creditworthiness, length of time in business or employed, and other factors.

Cash advance - Merchant cash advances have no interest rate or payment due dates. A flat fee is simply added to the amount your business qualifies for. This fee is determined through several factors including the length of time in business, type of business, whether you own or rent your space, and overall business performance.

Do I Qualify?

Check Eligibility

Have you been in business 6 months?

YES

NO

Are your annual sales over $100,000?

YES

NO

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.

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