From Bay Street offices to Queen West shops and Scarborough contractors, Toronto businesses can check financing options up to $100,000 CAD without affecting personal credit.
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.
Toronto's economy is unusually broad. Bay Street anchors one of North America's major financial centres, yet most of the city's businesses are far smaller: accounting and design studios in the core, restaurants along the Danforth and Ossington, independent retailers in Kensington Market and on Queen Street West, and renovation contractors working out of Etobicoke, North York and Scarborough. That range means financing needs can differ from one block to the next.
What many Toronto owners share is pressure on cash flow. Commercial rents are among the highest in the country, hiring is competitive, and larger clients often pay on 30- to 60-day terms. A business can be busy and profitable on paper while still waiting on receivables, and working capital lets you cover that gap instead of turning down the next contract. Seasonality plays a part too: patio season lifts summer revenue for hospitality, while retailers stock up heavily before the holidays.
Toronto neighbourhoods also behave like separate markets. A café in Liberty Village depends on nearby office workers and condo residents, while a Yorkville boutique relies on destination shoppers and visitors. Businesses along TTC subway and streetcar routes benefit from steady foot traffic but can lose it during construction or service disruptions, which is one more reason owners like to keep a cash cushion.
Getting around matters as well. A contractor spending hours on the Gardiner, the Don Valley Parkway or Highway 401 carries real costs in fuel, parking and time, and those belong in any repayment plan. Before applying, have your recent business bank statements ready, know your average monthly revenue, and be clear about what the funds will do. Business Capital Canada is a referral service, not a lender: we match established Toronto businesses — generally operating for 12 months or more with around $30,000 CAD in monthly revenue — with lending partners that review each file on its own merits.
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 Toronto 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 Toronto 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 Toronto and nearby communities such as Mississauga, Brampton, Markham, Scarborough, Vaughan and North York, along with the rest of Ontario.
Yes, in many cases. Lenders care more about your revenue history and time in business than about a storefront address. A Toronto e-commerce shop or home-based consultancy that has operated for at least 12 months and brings in around $30,000 CAD or more per month can check its options online in a few minutes.
Many Toronto businesses use working capital exactly this way. If larger clients pay on 30- to 60-day terms, financing can cover payroll, rent and supplies in the meantime. Lenders look closely at revenue consistency, so recent business bank statements showing steady deposits help support your file.
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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