Financing solutions

Financing structures for Canadian businesses

We do not lend our own capital. We identify which structures may fit, then organize the opportunity for suitable third-party lending partners.

Apply for Financing

Working Capital

Capital for payroll, inventory, projects and day-to-day operations.

  • Often used for payroll, supplier payments, inventory builds or project mobilization.
  • Structures, amounts and repayment schedules vary by lender and applicant profile.

Term Financing

Structured financing with defined payment terms.

  • Suited to planned, one-time investments where predictable payments are helpful.
  • Term length and pricing depend on the lender's criteria and the business's profile.

Business Lines of Credit

Revolving access to capital, drawn as needed.

  • Draw as needed rather than taking a single lump sum, where the facility allows.
  • Availability and limits are determined by the financing provider.

Equipment Financing

Vehicles, machinery, tools and technology — new or used.

  • Commonly used by construction, transportation, manufacturing and trades businesses.
  • New and used equipment may be considered, depending on the lender.

Invoice Factoring & Receivables Financing

Capital based on outstanding commercial invoices.

  • Typically relevant where a business invoices other businesses on payment terms.
  • Eligibility often considers the customer base and receivables quality.

Asset-Based Financing

Financing supported by eligible business assets.

  • Useful where a business holds meaningful assets on its balance sheet.
  • Advance rates and eligible collateral vary between providers.

Revenue-Based Financing

Assessed largely on revenue and cash-flow performance.

  • Often reviewed using recent bank statements and deposit history.
  • Repayment may be tied to a portion of ongoing revenue, depending on the product.

Commercial Real Estate Financing

For commercial property purchases, refinancing or equity access.

  • Reviewed against the property, the borrower and the intended use of funds.
  • Timelines depend on appraisal, documentation and lender due diligence.

Available products, amounts, rates and terms depend on the applicant, lender criteria and underwriting. Financing is provided by independent third-party partners. Submitting an application does not guarantee approval.

Not sure which structure fits?

Tell us what the capital is for and we'll walk you through the realistic options.

Start Your ApplicationSpeak With Easy Fund