Blog | iCapital Financial Services

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When it is time to refresh your brand and how financing plays a role

Discover how a brand refresh can help your business stay relevant, stand out from competitors, and connect with customers—and how iCapital financing can make it possible without straining your cash flow.

Marketing ,Management

How to plan marketing spend for Q4 with iCapital funding

Q4 is your chance to boost revenue, clear inventory, and finish strong. Discover how to effectively plan your marketing budget and utilize iCapital funding to achieve your end-of-year objectives.

Marketing

How Your Company Structure Can Save You Money

Discover how the right business setup can lower taxes, improve funding options, and support smarter growth.

Management

Wages: What Should You Pay Your Employees?

Paying your team fairly is more than a cost of doing business it is an investment in long-term growth. This guide explores how to determine the proper wages for your employees, their impact on retention and morale, and why getting it right is beneficial for your business.

Accounting ,Management

Measuring the Value of Your Small Business Customers

Learn how to measure customer lifetime value and why it matters for small business growth. Discover practical ways to identify high-value customers, boost retention, and make smarter business decisions with help from iCapital.

Sales

How Small Business Owners Can Take a Vacation Without Putting Growth on Hold

Running a small business doesn’t mean skipping time off. With smart planning and support from iCapital, you can recharge without missing a beat.

Blog

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

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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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