Blog | iCapital Financial Services

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Understanding What a “Good Rate” Means When Applying for a Business Loan

Whether you're a first-time entrepreneur or the owner of a small firm that has a few years under its belt, a small business loan can help you manage your cash flow in a variety of ways.

Management

Here’s why empathy is good for business

There is a greater need for empathy in these uncertain times. Businesses that demonstrate genuine concern for their employees and customers will benefit.

Management

Pros and cons of merchant cash advance financing

Merchant Cash Advance financing has both pros and cons. Read our detailed blog to know if it's the right choice for your business.

Small business financing Canada

Benefits of secured loans for your small business

Secured Loans for small businesses are a great way to set up assets, equipment, hire staff and manage finances. Read all about the tremendous benefits of secured loans.

Small business financing Canada

Money-saving tips and ideas for small businesses

Every firm has to do thorough financial planning to cut losses and find ways to successfully save money. iCapital brings to you money-saving tips for small businesses.

Small business financing Canada

How to successfully get a loan for a business with bad credit

Businesses with bad credit can also secure financial loans. There are various pathways they can look into. iCapital brings to you the various methods of successfully getting a business loan despite having bad credit.

Business loans for bad credit

The big difference between personal and business loans

Business and personal loans each come with their own pros and cons. At iCapital, we're here to answer your questions and help you make a sound choice as to what's better for our business.

Personal Loan

Small business trends to watch out for in 2022

As the current year comes to a close, we look ahead to the emerging trends affecting Canadian small businesses in 2022.

Sales ,Management

How do Canada small business loans work?

Understanding how a Small Business Loan Works can help you secure one easily. Read our blog to know everything about Small Business Loans in Canada and how Capital is the perfect choice for securing your business loan!

Small business financing Canada

Why restaurants need financing and how to easily secure a loan

Restaurants across Canada are aiming to increase business and revenues. A small business loan can go a long way in making your business more sustainable. Find out how you can secure a loan easily with Capital!

Small business financing Canada

How to successfully acquire a business loan in Ontario

Acquiring a business loan in Ontario can be as quick as 5 minutes with iCapital. We finance business across various industries and domains- restaurants, cafes, grocery stores, automobile shops, and much more. Read everything about successfully acquiring a business loan in Ontario!

Small business financing Canada

Help wanted: How Canadian small businesses can attract and retain staff

Post-pandemic, attracting and retaining staff is a key issue for Canadian small businesses. Here are some ways to help secure your workforce.

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

Are you a Canada-based company?

YES

NO

Have you been in business 6 months?

YES

NO

Are your annual sales over $100,000?

YES

NO

Is your business in the construction industry?

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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