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Whenever you need us, whatever you need us for, we've got you.

As the largest non-bank small business lender in Canada, we’re here to help small and medium businesses with the capital, support, and innovative solutions they need as they face new challenges, uncertainty, surprises, and opportunities every day. In short, while you face the reality of doing business, we've got you.

What we're here for

To make life better for Canadian small business owners

Since 2006, we’ve provided over $1B in financing to help more than 17,000 Canadian small and medium businesses navigate everything from minor cash flow challenges to major financial setbacks.

To make business finances as easy as they should be in the modern world

Through easy-to-access, all-digital financial tools and flexible, personalized support, we help Canadian businesses survive, thrive, and grow to their full potential.

To support Canadian businesses, not get in their way

We don’t impose any usage restrictions on our funds, and we let our customers know as soon as they sign up just how much they can borrow. Everything is on the terms of the people who know their challenges best: the owners.

A part of the
Purpose Financial family

Purpose Investments was founded by Som Seif in 2013 with the mission to build the firm where thoughtful Canadians could invest, by building a modern asset management approach that focused on outcome-oriented investment products and risk management to help clients achieve long-term objectives and realize their true success.

Purpose Advisor Solutions is a wealth technology operating platform enabling the future of independent advisory in Canada. Its technology and process-driven wealth management capabilities empowers in-house and third-party financial advisors to build account management and wealth advisory practices.

Longevity by Purpose is re-envisioning retirement income security for Canadians. The world’s first mutual fund to incorporate longevity risk pooling, like a pension fund, Longevity provides income for life through a flexible and redeemable mutual fund structure for Canadian retirees.

Thinking Capital at a glance


Lent to Canadian SMBs


SMBs supported
coast to coast


Year founded


Trustpilot score
based on 774 reviews



Stéphane Marceau

President & CEO

Stéphane joined Thinking Capital in 2019 and serves as its President and Chief Executive Officer. He has more than 20 years of experience leading data and technology-centric businesses, including in executive roles with Bell Canada and Yellow Pages, and as a serial tech entrepreneur building AI-powered companies. Stéphane’s mandate is to build on Thinking Capital’s legacy to redefine the fintech landscape in Canada, with a clear focus on enabling small business entrepreneurs across the country. Stéphane holds a Bachelor of Commerce from Université du Québec à Montréal as well as a Master of Sciences (Management Sciences) from the University of Waterloo.

Mario Bottone

Chief Revenue Officer

Mario brings over 20 years of experience in technology companies, notably, Workopolis, 2020 Technologies and Logibec Healthcare. In recent years he was the CEO of a VC-backed data modeling company and later advised a series of early stage VC -backed firms on commercial and operational strategies. Mario has held senior executive roles in the areas of operations, marketing, product management and sales on an international level.

Jeff Bouganim

Chief Financial Officer

Jeff joined Thinking Capital in 2018, and serves as Chief Financial Officer of the company. He is also the CFO of Thinking Capital's parent company, Purpose Financial. Jeff has experience in various sectors of the financial services industry, having previously served as CFO of MCAN Mortgage Corporation, and earlier in his career, CFO of CIBC World Markets. Jeff is a Chartered Accountant and holds a Bachelor of Business Administration degree from Schulich School of Business, York University.

Connie Chan

Vice President, Head of Product

Connie joined Thinking Capital in 2020 and oversees the company’s product department. Connie is an experienced product executive with a successful track record in financial services. She previously worked as AVP Product Revenue & Growth at TD and Head of Product at Ario. Connie holds a Bachelor of Engineering (Aerospace) from Carleton University.

Marc Fuentes

Vice President, Marketing

Marc joined Thinking Capital in 2021 and leads marketing. Marc brings over 20 years of marketing, sales development, and sales enablement experience in technology, software and service companies, notably Adlib Software, Rockwell Automation, Securit, Purolator, and Livingston International. As a revenue-centric storyteller, Marc taps into the soul of organizations to develop leadership capability, blend curiosity & analytics to motivate teams to capitalize on market potential in service, software & technology markets. Marc holds a Bachelor of Commerce from Ryerson and Masters in International Strategic Marketing from Schulich School of Business.

Brian McBride

Chief Technology Officer

Brian joined Thinking Capital in 2019 and serves as the company’s Chief Technology Officer. He is responsible for optimizing technological resources to grow the business. At BlackBerry, Brian architected and led the global BlackBerry Identity platform, supporting over 140 million users in 32 countries and 300 million secure API transactions a day.

Kim Parkinson

Chief People Officer, Purpose

Kim is the Chief People Officer of Purpose and oversees all talent management and organizational development initiatives and programs at Thinking Capital. She brings over 15 years of talent leadership experience in startups as well as mature organizations. Kim is passionate about building and fostering innovative, performance driven, diverse and caring company cultures.

Be there for the businesses that are there for us

Get to work helping Canadian businesses

At Thinking Capital, we're on a mission to make life better for Canadian businesses every day. We're proud to offer rewarding career opporunities to professionals who share that mission.

Don't just take our word for it


207 reviews


113 reviews


774 reviews — Excellent