Blog | iCapital Financial Services

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What Is Working Capital and Why It’s Important In Your Business

Working capital is a term used for the resources your company has to meet short-term financial needs like paying employees or purchasing inventory. As a small- or medium-sized business, it’s crucial that you not only have working capital, but that you also know how much working capital you have available. Read on for more about managing and growing your company’s working capital–and why you should.

Accounting ,Management

Marketing ideas for your business in the new year

As the end of the year approaches, it’s time to revisit your marketing strategy to meet current consumer expectations. Forecasting trends is tricky, but what’s clear is that in 2023, customers value privacy, inclusivity, transparency, and overall authenticity, and it’s your job to show them how your business practices meet these ideals. Read on for six steps you take right now to market your business in 2023.

Marketing

5 Tips for Your Small Businesses for the Holiday Season

After years of disruptions caused by the COVID-19 pandemic, this holiday season is more important than ever for Canadian small- and medium-sized businesses who still have to contend with labour shortages, inflation, and all-around economic uncertainty. Maximizing on the coming shopping wave makes good business sense but you’ll have to be strategic to reach your customers. These 5 tips can help you meet your sales targets while serving up an easy and enjoyable shopping experience.

Marketing

Empowering Your Small Business With The Means to Market

Marketing is the use of analysis, research, and outreach to generate interest in products and services. Done effectively, it can increase sales and engage your customers, key goals for any business, even the littl(er) guys.

Blog ,Marketing

Tips for keeping your inventory secured and your brand trustworthy

Inventory management, the practice of having the right–and right amount–of products for sale, isn’t the sexiest part of running a small business but it is crucial. Failure to stay on top of your inventory can cost your company time and money.

Management

How small business owners can protect themselves against rising inflation

Inflation is on everyone’s mind, including small business owners. Just as everyday Canadians are feeling the pinch of rising costs, SMBs have to figure out how to protect their businesses while continuing to service their customer base–all while navigating the challenges of the COVID-19 pandemic. Read on to learn more about how you can turn inflation-related financial pressure into growth.

Accounting ,Management

A shortened workweek: fad or the future of work?

The idea of a four-day workweek is becoming mainstream, and there are a lot of pros and cons to consider. Could this strategy benefit your small business? Read on to find out if this concept is right for you.

Management

Why L&D, not foosball, helps attract and retain employees

It's becoming increasingly difficult for small businesses to find and retain staff. Offering employees learning and development opportunities is being viewed by many companies as a benefit to both parties, although small business owners have been slow to adopt this strategy.

Management

Business equipment financing: what it is and how to get it

Read our blog to get an understanding of business loans and how you can successfully apply for one to expand your locations, hire better staff and invest in better inventory.

Small business financing Canada ,Management

April is World Autism Month

Autism touches more than 70 million people globally, and the number of children and youth diagnosed with Autism Spectrum Disorder continues to grow. iCapital is committed to supporting organizations that provide services for people living with autism.

Blog

Can I get a business loan to buy a business?

You can qualify for a business loan to purchase a business that could help you with expansion and add more profit to your existing business by building additional revenue streams. Read all about how you can get clearance for a business loan to acquire or buy a business.

Small business financing Canada ,Management

How large of a business loan can I afford?

Read our extensive blog to learn how much of a business loan you can successfully afford and how iCapital's finance team can help you achieve financial success.

Small business financing Canada ,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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