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Small Business Loans and Merchant Financing for Your Business

Our small business financing options give you quick, easy access to money. Speak with us to find out which option is best for your business.

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Financing options for your business

Fluctuations in cash flow is a part of doing business. Our financing programs give small business owners like you easy and quick access to money.
Unlike some other business financing options, we have no restrictions on how you use the money. Our clients use it for everything from purchasing equipment and advertising to buying out a partner, expanding, and solving cash flow challenges.

Let our customer care team help you determine the funding option that's best for your business.

 

Term Loan

The stress-free small business loan alternative
We give you the money you need today, and an agreed upon payment is remitted from your bank account until the loan is paid off.
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Merchant Cash Advance

THE FLEXIBLE SMALL BUSINESS LOAN ALTERNATIVE
We give you the money you need and you repay us over time through a small percentage of your daily credit and debit card sales.
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Am I eligible?

Yes, if you meet these four criteria:
  1. Cash Advance: $5,000+ in Visa, MasterCard and/or debit sales. Microloan: $100,000+ in annual sales.
  2. Your business has to be in operation for at least six months.
  3. No home businesses - You must have a storefront or professional office space and have at least 12 months remaining on your lease.
  4. No open bankruptcies - Bad credit isn’t a problem—many of our customers have less than perfect credit scores, but we cannot accept applicants with open bankruptcies.
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Am I eligible?

We only have four criteria:

  1. You must have annual gross sales of over $100,000 
  2. Your business has to be in operation for at least 6 months.
  3. No start-ups, construction, home businesses, online businesses, funeral homes, furniture or jewellery stores and cheque cashing businesses. You must have a storefront or professional office space.
  4. No open bankruptcies
    Bad credit isn’t a problem—many of our customers have less than perfect credit scores, but we cannot accept applicants with open bankruptcies.

For other important information about applying to iCapital, and about our products, read the FAQs below.

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