From downtown Kitchener software shops to Cambridge manufacturers and Uptown Waterloo retailers, local businesses can check financing options up to $100,000 CAD online.
Answer 5 quick questions to check your eligibility.
Complete the short form below and we'll match you with lenders that finance businesses like yours. It's free, no obligation, and won't affect your personal credit to check.
Based on what you've told us, we're not able to match your business with a financing offer right now. Our lending partners typically look for businesses operating 12+ months with at least $30,000 CAD in monthly revenue, outside Quebec. You're welcome to come back once your situation changes.
Kitchener spent much of the twentieth century as a manufacturing town, known for furniture, rubber, textiles and meat processing. Many of those old factory buildings downtown now house technology companies, studios and offices, a fitting symbol of how the Kitchener-Waterloo region has changed. The University of Waterloo, Wilfrid Laurier University and Conestoga College supply a steady stream of engineers, developers and skilled trades, and the region's tech sector has become one of the most recognized in the country. Insurance, advanced manufacturing and agri-food remain important as well.
For small businesses, that mix creates a wide variety of needs. A software services firm may need to hire before a contract pays. A machine shop in Cambridge or in an industrial area off the Conestoga Parkway may need to replace a key piece of equipment. Restaurants and retailers along King Street, near the ION light rail stops and in Uptown Waterloo see traffic rise with the university terms and during Kitchener-Waterloo Oktoberfest each fall. Businesses serving the surrounding farm country follow the growing season.
Getting around the region has changed as well. The ION light rail line links downtown Kitchener with Uptown Waterloo and the universities, and new residential and office development near its stations has created fresh openings for cafés, shops and service businesses. Highway 401 connects local manufacturers and distributors to the rest of southern Ontario, and the St. Jacobs area north of Waterloo draws visitors to its farmers' market and small shops.
Business Capital Canada is a referral service, not a lender. We connect established businesses in Kitchener, Waterloo, Cambridge and the nearby townships with lending partners that provide financing up to $100,000 CAD. Checking whether you pre-qualify takes about two minutes and has no impact on your personal credit, and many applicants receive a decision within 24 hours of being matched with a lender.
Answer a few quick questions about your business — no paperwork and no impact on your personal credit to check.
We connect you with lenders that finance Kitchener businesses across most industries.
Review your options and choose what fits. Many businesses get a decision within 24 hours.
Our lending partners offer business financing up to $100,000 CAD. The amount a Kitchener business qualifies for depends mainly on its monthly revenue, time in operation and overall profile.
Businesses generally need to have been operating for at least 12 months and generate around $30,000 CAD or more in monthly revenue. Most industries across Ontario are eligible.
Pre-qualifying online takes under two minutes. Once you're matched with a lender, many businesses receive a decision within 24 hours.
No. Pre-qualifying and reviewing your options is free, carries no obligation, and does not affect your personal credit score.
Our lending partners work with businesses in Kitchener and nearby communities such as Waterloo, Cambridge and Guelph, along with the rest of Ontario.
Pre-revenue or very new start-ups usually won't meet the criteria. Our partners typically work with businesses that have operated for at least 12 months and generate around $30,000 CAD or more in monthly revenue. Once your company reaches that stage, you can check your options online in a couple of minutes without affecting your personal credit.
Businesses such as equipment repair shops, feed and supply stores, farm markets and agricultural contractors can check their eligibility like any other company. Lenders look at time in operation and monthly revenue, so if your income is seasonal, bank statements covering a full year help show your true average.
We help businesses access financing across Canada. Explore nearby areas:
Helpful guides: Business Loan Documents Checklist for Canadian Businesses · Business Loan Requirements in Canada: What Lenders Look At · Equipment Financing in Canada: How It Works · How to Get a Small Business Loan in Canada
It takes less than 2 minutes and it's completely free.
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