Why iCapital

Getting the funds for your small business is becoming straightforward with iCapital. We provide loans in 5 minutes with a 98% approval rate within 48 hours.

About iCapital

About iCapital

Quick business loans & other financing products done better

We are one of the oldest and most reputable online lenders for in Canada. We’ve funded hundreds of individuals and small businesses from Nanaimo to St. John’s. Our funding options are perfect for people looking to avoid the lengthy paperwork at traditional banks, and for those in industries banks don’t lend to, or with less-than-perfect credit scores.

Because we're the source of lending—not a broker—we're able to approve applications very quickly. Since opening in 2007, our modus operandi has been providing customers the best service and helping them thrive. Which is why we've been named "Best in Canada, 2020" by Smarter Loans:

Named on of Canada's best business loan lenders in 2020 Restaurants Canada

Unmatched Security

Rest easy with unmatched security

iCapital is the only funder of our kind in Canada handling clients' money through a Schedule 1 Canadian chartered bank, DC Bank. DC Bank is regulated by the Office of the Superintendent of Financial Institutions and is a member of the Canadian Deposit Insurance Corporation. Our customers rate this security and the 24/7 online access to their accounts as some of the best features of the iCapital service. This strategic partnership gives you:

  • A highly secure account and banking portal to protect you from hackers.
  • Bank-level accuracy in deposits and reporting.
  • Protection against unauthorized people accessing your bank account.
  • A 100% automated process to eliminate human error.
  • Insurance on your deposits up to $100,000.

7-point promise

7-point promise to customers

You have enough on your plate without adding the stress of financing. That’s why we are focused on reducing the stress of getting money for Canadians. From the application process to the support you get from our team, our focus is on giving you a great customer experience.

Here are the seven ways we serve you better:


There are only three clear, easy steps to receiving the money in your account. We’re made it as easy as possible for you, our customer. 


Your business is not 9-5, so ours isn’t either. We respond quickly to your calls and emails 364 days a year (on Dec 25, you’ll find us having turkey dinner with our families).


Your assigned customer care representative knows you and your business. If you need something, just ask! 


Our team has great practical knowledge that we happily share with our customers. Within our team we have experts in human resources, accounting, finance and operations, and they share tips and best practices in our e-newsletters.


Your automated repayments are managed by a Canadian chartered bank. Thanks to our partnership with Alberta-based DC Bank, we’re able to offer you the best of two worlds: the high security of a bank with extraordinary customer care of a private company.


You have 24-hour access to your transaction history on the online customer portal. The portal is easy to use and allows you to export and print your statements.


We have a strict policy that we will never over-extend any business by funding them an amount so high it could put the business in peril.

Giving back to Canadians

Giving back to Canadians

Our team believes strongly in being a good corporate citizen, so we have a long history of giving back to the community including sponsoring sports teams and children’s organizations. We also run an annual campaign in support of autism that has raised well over $100,000 for Integrated Services for Autism and Neurodevelopmental Disorders (ISAND) and Autism Ontario



Supported by a network of Canadian partners

Canadian Federation of Independent Business

Canadian Federation of Independent Business

We are a proud member of the Canadian Federation of Independent Business (CFIB) - the big voice for small businesses. The CFIB supports and and represents the interests of the small business community to all three levels of government from coast-to-coast.


DC Bank

DC Bank

Your automated repayments are managed by Alberta based DC Bank. Thanks to this partnership, we’re able to offer you the best of two worlds: the high security of a Canadian chartered bank and the extraordinary customer care of a private company.


Ontario Chamber of Commerce

Ontario Chamber of Commerce

We are a proud member of the Ontario Chamber of Commerce whose advocacy for Ontario businesses is informed by local chamber of commerce, boards of trade and businesses of every size and in every sector.


Do I Qualify?

Check Eligibility

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.