Big plans for your business.
Let’s find the right
financing.
We connect Toronto business owners with lenders, not one size fits all loans. One conversation. More options. A broker in your corner.
See your financing options
The right capital. For your next move.
From managing cash flow to opening your next location, we help you explore the lender options.
Working capital loans
Keep everyday operations moving, from payroll and inventory to seasonal cash flow gaps.
Learn moreMerchant cash advances
Explore revenue based financing tied to future sales, with a clear view of the total cost.
Learn moreEquipment financing
Compare lender options for the machinery, vehicles and equipment your business needs.
Learn moreBusiness lines of credit
Find flexible access to capital for recurring expenses and opportunities as they arise.
Learn moreCommercial property financing
Explore financing for commercial real estate and owner occupied business premises.
Learn moreFranchise financing
Navigate financing options for a new franchise location or an existing franchise business.
Learn moreStartup business loans
Understand lender pathways for early stage businesses without a long operating history.
Learn moreGovernment backed loans
Learn whether the Canada Small Business Financing Program may fit your business plans.
Learn moreInvoice & receivables financing
Explore ways to unlock cash tied up in eligible unpaid business invoices.
Learn moreExpansion & bridge financing
Match growth plans or a short term financing gap with an appropriate lender structure.
Learn moreFinancing categories we help you explore, not loans provided by Toronto Business Loans. Availability depends on lender assessment.
You focus on business. We explore the options.
Tell us about your business
Share your financing goal, trading history and an overview of your revenue.
We shop your deal
We assess the fit and, with your permission, approach appropriate lenders on your behalf.
Compare your options
Review available offers, total costs, repayment terms and any security requirements.
Your lender provides the funds
If you accept an offer and meet the lender’s conditions, funds come directly from that lender.
Your business is unique.
Your financing should be, too.
A bank isn’t always the only path. And the quickest offer isn’t always the best fit. We help Toronto business owners navigate the options with clarity, not pressure.
Meet your brokerOne enquiry. More possibilities.
We help you explore multiple lender types without starting the conversation from scratch each time.
The right lender for your situation
Your revenue, trading history and goals guide whether a bank, alternative or private lender is worth exploring.
Transparent costs, no surprises
Brokers are typically paid by the lender. Any client paid fee or referral arrangement must be explained before you commit.
Less legwork. Better informed decisions.
We help organize your enquiry and compare costs and conditions. Timing and credit decisions remain with the lender.
What lenders actually look for.
Understand eligibilityTime in business
An established trading record can help lenders assess risk. Startups may need a stronger business plan, owner contribution and evidence of demand.
Revenue & cash flow
Lenders look beyond sales to recurring deposits, margins, existing obligations and the ability to manage repayments through slower periods.
Credit & financial position
Personal and business credit may be reviewed, alongside security and guarantees. There is no single credit score threshold across all lenders.
These are common considerations, not approval criteria or a promise of financing. Every lender assesses applications independently.
Good questions.
Honest answers.
Financing is a big decision. Here’s what to know before you take the next step.
All frequently asked questionsDo I pay more going through a broker?
Not necessarily. Brokers are typically compensated by the lender, so many arrangements have no separate broker fee for the business owner. This is not universal. Any client paid fee, lender commission arrangement and potential conflicts should be explained before you proceed. Compare the total borrowing cost, not just the broker fee.
What credit score do I need?
There is no single minimum across business lenders. Banks, alternative lenders and private lenders assess credit differently, alongside revenue, time in business, cash flow, security and existing debt. We help identify lender types that may suit your situation; only a lender can decide whether to approve your application.
How fast can I get funded?
Some alternative lender arrangements can move in a few business days once complete documents are available. Bank, government backed and commercial property applications can take considerably longer. Timing depends on the lender, underwriting and your documents; no funding date is guaranteed.
Is my information kept confidential?
Enquiries are stored with access restricted from public visitors. We use your details to assess your financing needs and contact you. Before information is sent to a potential lender, we explain the proposed referral and seek your permission. Do not send banking passwords, SINs or sensitive documents through this initial form.
What’s the difference between a term loan and a line of credit?
A term loan provides a lump sum with a defined repayment schedule. A line of credit generally allows you to draw, repay and draw again within a lender set limit. A term loan may fit a one time purchase; a line of credit may fit recurring cash flow needs. Costs and conditions vary by lender.
Let’s find the right fit for your business.
Tell us what you’re building. We’ll help you explore your financing options.