Looking for a business loan in Ontario? Business Capital Canada helps Ontario business owners get pre-qualified for up to $100,000 CAD in financing — fast, online, and with no impact on your personal credit to check. We're not a bank: we match you with lending partners who finance small and medium-sized businesses across Ontario.
How business loans work in Ontario
Ontario is Canada's largest business economy, home to sectors from manufacturing and logistics to professional services, retail and technology. Whether you run a shop on a main street in London or a growing services firm in Toronto, financing needs are the same: quick access to working capital without a slow, paperwork-heavy bank process.
Instead of applying to one bank and waiting weeks, you answer a few quick questions about your business. We then connect you with lenders whose criteria fit your revenue and time in business, so you can compare options side by side. Pre-qualification takes under two minutes and many businesses receive a lender decision within 24 hours.
Do you qualify? Ontario eligibility
Most Ontario businesses that meet a few basic conditions can pre-qualify:
- Time in business: generally at least 12 months of operating history.
- Revenue: around $30,000 CAD or more in monthly revenue.
- Business type: incorporated businesses and sole proprietors are both welcome, across most industries.
- Location: registered and operating in Ontario (or elsewhere in Canada).
Newer businesses or those with lower revenue can still check — the quiz will tell you where you stand. Checking is free and does not affect your personal credit score.
Industries we finance in Ontario
Ontario's lending partners work across a wide range of sectors. A few of the most common:
Inventory, seasonal stock, and store improvements.
Equipment, materials, and payroll between contracts.
Hiring, software, and office expansion.
Renovations, equipment, and cash-flow smoothing.
Raw materials, production runs, and larger orders.
Machinery, raw materials, and larger orders.
Ontario cities we serve
Business owners across Ontario use Business Capital Canada, including in:
Wherever your business operates in Ontario, the process is 100% online — no branch visit required.
What financing can be used for
- Buying inventory or equipment
- Hiring staff and covering payroll gaps
- Bridging seasonal or cash-flow slowdowns
- Marketing, renovations, or opening a new location
- Consolidating higher-cost business debt
Frequently asked questions — Ontario business loans
How much can an Ontario business borrow?
Our lending partners offer business financing up to $100,000 CAD. The amount you qualify for in Ontario depends on your monthly revenue, time in business and overall business profile.
What do I need to qualify in Ontario?
Ontario businesses generally need at least 12 months of operating history and around $30,000 CAD or more in monthly revenue. Most industries are eligible, and both incorporated businesses and sole proprietors can apply.
How fast can I get funded in Ontario?
Pre-qualification takes under two minutes. Once you're matched with a lender, many Ontario businesses receive a decision within 24 hours.
Will checking affect my credit?
No. Pre-qualifying and reviewing your options is free, carries no obligation, and does not impact your personal credit score.
Which Ontario cities do you cover?
All of them. The process is 100% online, so businesses in Toronto, Ottawa, Mississauga, Hamilton, London, Windsor and every other Ontario community can use it.
Ready to fund your next move in Ontario?
Pre-qualify in under 2 minutes. Free, no obligation, no impact on your personal credit to check.
See if my business qualifies →