Blog | iCapital Financial Services

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5 important considerations when applying for a business loan

Managing money is one of the key tasks of running a small business and business loans are a common requirement. This said, deciding to take a loan shouldn’t be done lightly. Before you decide, here are five things you should consider.

Small business financing Canada ,Accounting

What to do if a bank won't give you a business loan

It’s the nature of business to need funding on occasion, but what if the bank won’t approve you, or you don’t have time to go through their cumbersome application process? This is why private lenders are a go-to for Canadian small businesses.

Small business financing Canada ,Business loans for bad credit

Are private business loans risky?

For Canadian small business owners, choosing between lending institutions can be a stressful exercise. Read on for more on how to make this important decision.

Small business financing Canada ,Business loans for bad credit

Efficiency sparks joy: How to Marie Kondo your business processes

Marie Kondo has led the way in thinking about decluttering and organization—two real-world ways to improve efficiency. And efficiency, in the business world, is about as joy-sparking as you can get. Read on to learn more about how to Marie Kondo your business processes for a leaner, more cost-efficient organization going into the new year.

Management

5 common pieces of business advice you should ignore

Building a business is hard enough without becoming waylaid by bad advice. Dig into the truths behind these common misconceptions to build a solid, long-term strategy for success.

Sales ,Marketing ,Management

Secured versus unsecured loans: What you need to know

When it comes to business loans, there are two main types you should understand: secured and unsecured. Read on for more about each type, and to learn how to assess your business' creditworthiness.

Small business financing Canada ,Business loans for bad credit

How to improve your business’s credit score

Your business credit score helps to establish your company’s health and trustworthiness. In many respects, it operates in the same way as a personal credit score—opening (or closing) pathways to products, financing, and preferred rates. Learn how working with iCapital can help accelerate this process.

Small business financing Canada ,Business loans for bad credit

The one element you need to achieve business success (it’s not what you think)

Michele Romanow, a TV star on Dragon’s Den and Co-founder of Clearbanc, was a keynote speaker at deBanked CONNECT Toronto on July 25th. Read about what she feels in the one element you need to achieve business success.

Management

Six reasons why your small business should consider a term loan

Small businesses need cash flow to operate and grow, but many fundraising strategies come at a hefty price. Learn all about term loans, and to decide whether this product is right for you and your small business.

Small business financing Canada ,Business loans for bad credit ,Management

The three challenges keeping Canadian small business owners up at night

We conducted a market research study open to small business owners and operators across the country. Now, the results are in. Read on to discover which three issues are most concerning Canadian small business owners, and how you might handle them.

Small business financing Canada ,Business loans for bad credit ,Management

7 Tips to Avoid Spoiled Inventory

With an inventory management system in place, businesses can optimize their workflows and their product spend in order to keep goods moving and avoid spoiled food.

Sales ,Management

What to do When Competitors Undercut Your Prices

When competitors undercut your prices, it’s tempting to engage in a price war. Here are some reasons why that strategy might backfire, and a look at some alternate battle methods.

Sales ,Marketing

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Our lending guidelines

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

We have 2 types of financial products:

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 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.

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