Proudly serving Canadians since 2008
Get Fast Funding For your business today
Welcome to Business Credit & Capital, leading the industry in small-medium business financing!
Applications Received Same Day Funding
Who We Are
Empowering Your Finances with Technology You Can Trust
We specialize in helping businesses regain control of their financial future through flexible and strategic business financing solutions. Whether you’re looking to stabilize cash flow, invest in growth, or overcome a short-term challenge, our tailored funding options are designed to support your goals.
Our Programs
Funding Programs For Every Business
At Business Credit & Capital, we specialize in financing solutions for established businesses across all industries. Whether you need working capital, a term loan, or a line of credit; we have a program that can best meet your specifications. Our flexible funding options are designed to support your company’s growth and needs. Apply now and get the capital your business deserves.
Applications Received Same Day Funding!
Approved For Most Business Owners
Our Programs
Small Business Financing Made Simple
Term Loan
Reliable Funding for Long-Term Goals
$150,000
Working Captial Loan
Get Capital Quickly to Keep Growing
$15,000 - $150,000
POPULAR
Line of Credit
Flexible Funds Available Anytime
$15,000 - $100,000
Testimonials
Our clients’ success speaks for itself.
BCC has always been very flexible and responsive. Never any issues or problems. I have been working with them for years and they have been very helpful in helping with my cash flow and equipment acquisition.
Adrienne Simpson
Calgary, AB
My loan was processed and I got the money within 48 hours. Laura Hudnall was so helpful and pleasant consultant. She made it simple and easy by explaining everything and helping me through the process. They don’t ask you for too many things just the basics documents. It was easier than applying for a credit card .
Hugo Sheldon
Toronto, ON
BCC has far exceeded any expectations we have ever had. The promptness, accuracy, the personal service is amazing. Whenever we needed to get some extra working capital, within 48 hours or less it is sitting in our bank account. We have been with David and his staff for over 4 years and I consider them part of my business family. HIGHLY RECOMMEND THEM!!
Uncle Vinnie's
Montreal, QC
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Common Business Loan Questions
easy Answers to common questions
How quickly can I get funded?
Pre-approval ordinarily happens the same business day you apply. Once approved, funding can occur in as little as 1-2 business days depending on the amount of the transaction. Typically, most businesses receive funds in under 72 hours.
What is a Working Capital Advance and how can it help my business?
A Working Capital Advance is not a traditional loan. It’s an advance based on your business’s future revenue. You receive a lump sum of cash in exchange for a portion of your upcoming credit card sales or daily/weekly ACH withdrawals. This infusion of working capital helps small businesses that may not qualify for a bank loan due to insufficient credit or lack of collateral.
What are the typical interest rates and repayment terms for working capital loans?
Interest rates and repayment terms for working capital loans vary based on factors such as the lender’s policies, loan type, and the borrower’s credit profile. Traditional lenders may offer lower rates, while alternative lenders may offer higher rates with more flexible terms.
What Are The Minimum Requirements To Become Eligible for A Working Capital Advance?
The following are the minimum requirements to become eligible for a Working Capital Advance:
- Located in Canada
- 6 months in business
- $20,000 or more in monthly business deposits
- Credit score of 500 or more