Financing for SMEs
entrepreneurs & corporations
Tailored financing solutions for Canadian SMEs, startups, trades, and independent businesses. Our commercial brokers structure the optimal deal for your project.
How to Finance Your Business
Submit Your Application
Fill out our online form in minutes. Describe your project, financing needs, and current situation. It is transparent and with no obligation.
Analysis by an Expert
A specialized commercial loan broker analyzes your file and presents it to lenders best suited for your industry and growth plans.
Funding Secured
Preliminary decision within 48h. Rapid disbursement so you can execute your project immediately, whether for equipment, working capital, or acquisitions.
Solutions Designed for Canadian Entrepreneurs
Whether you are self-employed, an SME executive, contractor, or retailer, our commercial financing brokers structure solutions tailored to your operational realities.
Unlike banks with rigid underwriting criteria, we access an extensive commercial lender network, including alternative institutions that finance projects traditional banks decline.
Which Financing Solution for Your Business?
Our brokers identify the solution best suited to your project and industry.
Project & Equipment Financing
Professional machinery, industrial equipment, digital transformation, R&D, and new facilities. Fund your expansion with medium- and long-term capital loans.
Acquisition & External Growth
Business acquisitions, share buyouts, external growth, and M&A deals. Our brokers structure the optimal financing structure for your acquisition goals.
Working Capital & Cash Flow
Working capital financing, seasonal cash flow smoothing, inventory financing, and vendor payments. Flexible lines tailored to your operating cycle.
Why Use Our Brokers to Finance Your Business?
Traditional banks impose strict underwriting on businesses: long track records, heavy collateral, and lengthy approval times. Our commercial brokers connect you with lenders who invest in your project potential.
Specialized Lender Network
Access to commercial financial institutions, debt funds, and alternative lenders specialized in SMEs.
Priority Processing
Preliminary term sheet within 48h. Fast disbursement to keep your business growth moving forward.
Dedicated Commercial Expert
A dedicated commercial finance broker champions your file and negotiates directly with lenders.
Custom Debt Structuring
Debt structuring based on debt service coverage, available assets, and strategic growth milestones.
Simulate Your Business Financing
Estimate your monthly commercial debt service and view your detailed amortization schedule.
Commercial Loan Parameters
Enter your figures to estimate your commercial monthly payments
Simulation Results
Indicative estimates of your debt service payments
Your Estimated Monthly Payment
3 040,74 $ / months
Principal Borrowed: 150 000,00 $
Total Interest
32 444,48 $
@ 7,99%
Total Repaid Amount
182 444,48 $
60 monthly payments
Dedicated B2B Brokerage
Multi-lender commercial negotiation at zero broker fee
Commercial Loan Amortization Schedule
Month-by-month breakdown of your commercial debt service — 60 monthly payments
| Month | Monthly Payment | Principal | Interest | Remaining Balance |
|---|---|---|---|---|
| 1 | 3 040,74 $ | 2 041,99 $ | 998,75 $ | 147 958,01 $ |
| 2 | 3 040,74 $ | 2 055,59 $ | 985,15 $ | 145 902,42 $ |
| 3 | 3 040,74 $ | 2 069,27 $ | 971,47 $ | 143 833,15 $ |
| 4 | 3 040,74 $ | 2 083,05 $ | 957,69 $ | 141 750,09 $ |
| 5 | 3 040,74 $ | 2 096,92 $ | 943,82 $ | 139 653,17 $ |
| 6 | 3 040,74 $ | 2 110,88 $ | 929,86 $ | 137 542,29 $ |
| 7 | 3 040,74 $ | 2 124,94 $ | 915,80 $ | 135 417,35 $ |
| 8 | 3 040,74 $ | 2 139,09 $ | 901,65 $ | 133 278,26 $ |
| 9 | 3 040,74 $ | 2 153,33 $ | 887,41 $ | 131 124,93 $ |
| 10 | 3 040,74 $ | 2 167,67 $ | 873,07 $ | 128 957,26 $ |
| 11 | 3 040,74 $ | 2 182,10 $ | 858,64 $ | 126 775,16 $ |
| 12 Year 1 | 3 040,74 $ | 2 196,63 $ | 844,11 $ | 124 578,53 $ |
| 13 | 3 040,74 $ | 2 211,26 $ | 829,49 $ | 122 367,28 $ |
| 14 | 3 040,74 $ | 2 225,98 $ | 814,76 $ | 120 141,30 $ |
| 15 | 3 040,74 $ | 2 240,80 $ | 799,94 $ | 117 900,50 $ |
| 16 | 3 040,74 $ | 2 255,72 $ | 785,02 $ | 115 644,78 $ |
| 17 | 3 040,74 $ | 2 270,74 $ | 770,00 $ | 113 374,04 $ |
| 18 | 3 040,74 $ | 2 285,86 $ | 754,88 $ | 111 088,18 $ |
| 19 | 3 040,74 $ | 2 301,08 $ | 739,66 $ | 108 787,10 $ |
| 20 | 3 040,74 $ | 2 316,40 $ | 724,34 $ | 106 470,70 $ |
| 21 | 3 040,74 $ | 2 331,82 $ | 708,92 $ | 104 138,87 $ |
| 22 | 3 040,74 $ | 2 347,35 $ | 693,39 $ | 101 791,52 $ |
| 23 | 3 040,74 $ | 2 362,98 $ | 677,76 $ | 99 428,55 $ |
| 24 Year 2 | 3 040,74 $ | 2 378,71 $ | 662,03 $ | 97 049,83 $ |
| 25 | 3 040,74 $ | 2 394,55 $ | 646,19 $ | 94 655,28 $ |
| 26 | 3 040,74 $ | 2 410,49 $ | 630,25 $ | 92 244,79 $ |
| 27 | 3 040,74 $ | 2 426,54 $ | 614,20 $ | 89 818,24 $ |
| 28 | 3 040,74 $ | 2 442,70 $ | 598,04 $ | 87 375,54 $ |
| 29 | 3 040,74 $ | 2 458,97 $ | 581,78 $ | 84 916,57 $ |
| 30 | 3 040,74 $ | 2 475,34 $ | 565,40 $ | 82 441,24 $ |
| 31 | 3 040,74 $ | 2 491,82 $ | 548,92 $ | 79 949,42 $ |
| 32 | 3 040,74 $ | 2 508,41 $ | 532,33 $ | 77 441,00 $ |
| 33 | 3 040,74 $ | 2 525,11 $ | 515,63 $ | 74 915,89 $ |
| 34 | 3 040,74 $ | 2 541,93 $ | 498,81 $ | 72 373,96 $ |
| 35 | 3 040,74 $ | 2 558,85 $ | 481,89 $ | 69 815,11 $ |
| 36 Year 3 | 3 040,74 $ | 2 575,89 $ | 464,85 $ | 67 239,22 $ |
| 37 | 3 040,74 $ | 2 593,04 $ | 447,70 $ | 64 646,18 $ |
| 38 | 3 040,74 $ | 2 610,31 $ | 430,44 $ | 62 035,88 $ |
| 39 | 3 040,74 $ | 2 627,69 $ | 413,06 $ | 59 408,19 $ |
| 40 | 3 040,74 $ | 2 645,18 $ | 395,56 $ | 56 763,01 $ |
| 41 | 3 040,74 $ | 2 662,79 $ | 377,95 $ | 54 100,22 $ |
| 42 | 3 040,74 $ | 2 680,52 $ | 360,22 $ | 51 419,69 $ |
| 43 | 3 040,74 $ | 2 698,37 $ | 342,37 $ | 48 721,32 $ |
| 44 | 3 040,74 $ | 2 716,34 $ | 324,40 $ | 46 004,98 $ |
| 45 | 3 040,74 $ | 2 734,42 $ | 306,32 $ | 43 270,56 $ |
| 46 | 3 040,74 $ | 2 752,63 $ | 288,11 $ | 40 517,93 $ |
| 47 | 3 040,74 $ | 2 770,96 $ | 269,78 $ | 37 746,97 $ |
| 48 Year 4 | 3 040,74 $ | 2 789,41 $ | 251,33 $ | 34 957,56 $ |
| 49 | 3 040,74 $ | 2 807,98 $ | 232,76 $ | 32 149,57 $ |
| 50 | 3 040,74 $ | 2 826,68 $ | 214,06 $ | 29 322,90 $ |
| 51 | 3 040,74 $ | 2 845,50 $ | 195,24 $ | 26 477,40 $ |
| 52 | 3 040,74 $ | 2 864,45 $ | 176,30 $ | 23 612,95 $ |
| 53 | 3 040,74 $ | 2 883,52 $ | 157,22 $ | 20 729,43 $ |
| 54 | 3 040,74 $ | 2 902,72 $ | 138,02 $ | 17 826,71 $ |
| 55 | 3 040,74 $ | 2 922,05 $ | 118,70 $ | 14 904,67 $ |
| 56 | 3 040,74 $ | 2 941,50 $ | 99,24 $ | 11 963,17 $ |
| 57 | 3 040,74 $ | 2 961,09 $ | 79,65 $ | 9 002,08 $ |
| 58 | 3 040,74 $ | 2 980,80 $ | 59,94 $ | 6 021,28 $ |
| 59 | 3 040,74 $ | 3 000,65 $ | 40,09 $ | 3 020,63 $ |
| 60 Year 5 | 3 040,74 $ | 3 020,63 $ | 20,11 $ | 0,00 $ |
This table is for illustrative purposes only. Actual commercial rates and structures depend on company financial statements, collateral, and project risk. Consult a commercial broker for a bespoke proposal.
Our Brokers vs. Traditional Banks
| Criterion | Our Brokers | Traditional Banks |
|---|---|---|
| Eligibility Criteria | Project & Revenue Potential | Rigid history & heavy collateral |
| Response Time | Under 48 hours | 2 to 6 weeks |
| Atypical Files Accepted | Yes — alternative lenders | Usually rejected |
| Guidance & Support | Dedicated & proactive broker | Automated System |
| Frais & Honoraires | Transparent & no hidden fees | Upfront file fees often charged |
Who is Business Financing For?
Our brokers find tailored solutions for every profile, including complex corporate files.
Self-Employed & Small Businesses
Business owners without T4 slips, SMB executives looking to finance growth or optimize working capital obligations.
Startups & Early-Stage Ventures
Founders launching new ventures needing seed funding for equipment, leasehold improvements, or initial operating capital.
Acquirers & Successors
Executives acquiring businesses, buying out shareholder stakes, or acquiring competitors to scale operations.
Everything You Need to Know About Business Financing
Grow Your Business with the Right Financing
Our specialized commercial finance brokers analyze your file and find the optimal solution for your business. No obligation.