Thinking Capital has a new look. Our commitment to you hasn’t changed. Learn more.

Want the flexibility of a line of credit, but with the certainty of a term loan?

Fast, flexible business funds from $500 to $300,000.

Canadian small business loans you can count on

Reliable, on-demand capital

Borrow up to $300,000, or as little as you need. Just like a line of credit, we set a pre-approved limit when you sign up – after that, every draw is up to you.

Withdrawals on your terms

Every draw comes with crystal-clear pricing, so you can make the right decisions for your business.

Use our support for whatever you need

You know your business better than we do. Whether you're seizing an opportunity or tackling a challenge, there are no restrictions on how your funds are used.


How does our Small Business Loan compare to a traditional Line of Credit?

Line of Credit
Thinking Capital
Small Business Loan
Needs-based withdrawals within a pre-approved limit
Needs-based withdrawals within a pre-approved limit
“Revolving” credit that becomes available again as you make payments
“Revolving” credit that becomes available again as you make payments
Increases in your credit limit as your business grows and you show a good repayment record
Increases in your credit limit as your business grows and you show a good repayment record
Pricing for every draw is outlined up front before you commit
Pricing for every draw is outlined up front before you commit
Constantly accumulating interest based on what you owe every day
A fixed and transparent total cost of borrowing made clear up front on each draw
Entire line of credit facility counts towards your credit history
Only the draws you make are counted as loans in your credit history—not the total pre-approved limit
Minimum payment dates set
according to bank needs, not yours
A choice of payment schedules
according to your business needs
How it works

Apply in 3 simple steps and
get pre-approved instantly

Our all-digital credit application process is quick and easy and typically takes less than 10 minutes. We ask for basic information about you and your business. We ask you to securely connect your online banking information. And as soon as you're done, we'll tell you exactly how much you can borrow - all without hurting your credit score.


Draw what you need, when you need it

When your application is complete, you'll know exactly how much you can borrow, but only you know how much you actually need right now. Make individual draws from within your overall business loan limit, each with their own fixed fees and terms. All pricing is up front, with nothing hidden in the small print.


Use our support for whatever you need

Choose the repayment schedule that makes sense for your business—from daily, weekly or bi-weekly payments, or pay early to save on interest. Borrow from $500 to $300,000 on 2, 3, 4, 6, 9, 12, 18 or 24month terms, with absolutely no hidden fees.

See if your business qualifies

Qualification is simple.
No heavy paperwork.

If your business meets the following basic criteria, our all-digital application process will have us on the way to helping you in minutes.

Your business is legally registered

Your business is based in Canada

Your average monthly revenue is at least $3,000

You have been operating for at least 3 months with a dedicated business bank account

You have good personal and business credit history

Thinking Capital at a glance


Lent to
Canadian SMBs


SMBs supported
coast to coast


Year founded


Trustpilot score
based on 774 reviews

What do you need right now?

Every day brings a different challenge and a different opportunity. At Thinking Capital, we're here with the funds you need when you need them, whether that's to seize the moment, to face down business calamities, or to bet on yourself as you take your business to the next level.

Ecommerce Funding

Ecommerce Funding

Need capital that keeps pace with eCommerce?

We’re digital, flexible, and fast on our feet. Just like your growing online business.
Inventory Funding

Inventory Funding

The busy season’s coming and you need to stock up?

Seasonal challenges aren't just for holiday stores. When times are quiet, we help you secure funds to stock up for the busy days ahead.
Funding the unexpected

Funding the unexpected

Truck broke down? Receivables late? Product stuck on a ship somewhere?

When the unexpected happens (and it will), we’ve got you.
Funding New Projects

Funding New Projects

New products? Channels? Seize-the-moment growth opportunities?

Whether it’s expanding to new locations, audiences, or product lines, we help you invest in growing your business.
Payroll Funding

Payroll Funding

Need to pay your team but that big invoice is past due?

If you wait until you can afford the people who will take your business to the next level, you might never get there.
Marketing Funding

Marketing Funding

Got a great product but need to get the word out?

A business can’t grow without putting itself out there. We help you line up your brand, marketing, and ad spend to make that big public splash.

our thinking

Expert real-world advice and insight for all Canadian small business owners

Managing the Global Supply Chain Crunch
Research Reports
Managing the Global Supply Chain Crunch
Supply chain insecurity is putting a strain on businesses everywhere—and it doesn’t look like it’s going away anytime soon. In this new era of delays, increased costs, and overall instability, we present 16 key insights on how Canadian small business leaders can best navigate these waters and stay resilient.
Read the report

We've got you

We're here to make life easier for Canadian small to medium businesses like yours. How can we help you today?