Blog | iCapital Financial Services

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Can I apply for a personal loan during the COVID-19 pandemic? Should I?

For many Canadians, the COVID-19 pandemic has resulted in un- or underemployment, unexpected expenses, and an uncertain financial future. Here's up-to-date information on personal loans and other borrowing options.

Blog

Quiz: 7 questions to test your cash flow know-how

Effectively managing your cash flow could save you thousands of dollars. Take our cash flow quiz and test your knowledge. We bet you’ll learn something!

Accounting

Digital transformation for small businesses

Having an online presence and some technology in the backend of your business is critical. Here's what you need to know about digital transformation.

Management

Resource cheatsheet for businesses affected by COVID-19

Updated June 2, 2020 - Use this cheat sheet to quickly find what resources are available to you as a business impacted by COVID-19.

Management

Cheat sheet: Canadian government support for individuals during the pandemic

This cheat sheet lists all of the resources available to Canadians to help us on an individual basis through COVID-19.

Blog

Personal loans vs. second mortgages: Weighing your options

At first glance, a personal loan and second mortgage seem indistinguishable. But they're not. Read on to learn more about each and determine which is right for you.

Accounting

Ready to re-open: Best practices for restaurants

As the number of COVID-19 infections declines across Canada, provincial governments are beginning to implement phased reopening. Read on for the best practices you should follow to ensure everyone’s health and safety as you reopen.

Management

How Canadian businesses are reinventing themselves during the pandemic

Stories of resilience, adaptability, and creative thinking that have allowed some Canadian businesses to pivot and thrive.

Management

What you need to know about Canada's Emergency Response Benefit

The Canada Emergency Response Benefit portal is now open. Read on for information about this benefit, who is eligible, conditions and how to apply.

Management

Update on Canada’s Covid-19 Economic Response Plan

On an almost daily basis, the Canadian government has introduced, and adjusted relief measures for businesses and individuals. Here's a consolidated summary of support for Canadians, as of April 8, 2020.

Management

How to serve customers better during COVID-19

For small business owners two small words have defined March 2020: social distancing. As the whole of Canada stays indoors to help slow the transmission of the virus, businesses are changing their hours, their services, their delivery systems, and some are even temporarily closing.

Marketing ,Management

Canada’s COVID-19 Economic Response Plan – Key points for businesses & individuals

Since the beginning of March, restrictions and measures related to COVID-19 have rapidly escalated. While the first stages focused on public health and safety, in very short order, businesses and personal finances began to be affected. This is a cheatsheet of the measures that the Government of Canada have released as of April 2, 2020.

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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