Get up to 800 000$

Cash Flow Financing

100% online business loans for SME’s…

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100% secure process

Cash Flow Financing | Up to 800 000$!

Get cash financing for your business 100% online from $5,000 to $800,000 in just a few days!

Simply click on one of the big blue “Get Started” buttons to begin the application process.

How does it work?

3 easy steps

5 minutes

1. Fill out the questionnaire

Answer a couple simple questions about your financing needs thanks to our secure and easy to navigate quiz.

1 business day

2. Choose a financing option

Receive a call from one of our agents to navigate the financing options available to your business.

Same day

3. Get the funds for your business

Once approved and the contract is signed, receive your funds on the same day directly to your bank account.

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How does cash flow financing work?

Cash flow financing is a form of financing that allows companies to cover their current expenses and their short-term liquidity needs. It is usually a short-term loan that can be repaid quickly. Businesses can use this type of financing to cover expenses such as salaries, purchase invoices, marketing costs, etc.

get an answer for cash flow financing in 24 hours

What are the eligibility criteria?

To qualify for a business loan, you must meet certain criteria:

Annual income: $120,000

The company operates in Canada

The company has been operating for at least 6 months

No active bankruptcy

Who can lend money to SMEs?

Cash flow financing can be obtained from different sources, such as financial institutions, online lenders, private investors, etc. Repayment terms may vary depending on the source of funding and the company seeking funding.

What are you waiting for?

Get pre-approved in less than 5 minutes…

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100% secure process

FAQ

What is the business term loan rate?

Interest rates for fixed repayment business loans we offer vary between 8% and 29%, depending on the financial health of your business and its owner. The stronger the financial situation, the lower the interest rate and vice versa.

What are the eligibility criteria?

To be eligible for business financing of any type (fixed term loan, flexible funds, etc.) with us and our partners, you must meet the following criteria:
– Have a personal credit score of at least 550
– Have a business credit score of at least 1300
– Be a Canadian business
– Have an annual turnover of at least $120,000
– Have been operating in Canada for at least 6 months
– Not be in active bankruptcy

What industries are not accepted?

Although we provide loans to over 700 industries, we and our partners cannot provide financing for certain industries considered risky: adult entertainment, government agencies, horoscope/divination, public administration, NPOs, firearms suppliers fire, religious organizations, money service businesses and all lottery/casino/betting related activities.

How does it work?

It’s easy! Simply click on one of the large blue “Get Started” buttons on this page to access the online prequalification questionnaire. If you meet the minimum criteria, you will be asked to provide your information so that our representative can contact you quickly. The process is entirely online.

Do you accept bad credits?

It depends, the minimum personal credit score we are willing to accept is 550.

Example of repayment of a fixed-term loan

In the example of a $30,000 loan at an interest rate of 11.4% repayable over 6 months, the monthly repayment payments will be $5,167.56. The total amount reimbursed will be 31,005.36, with interest amounting to $1,005.36.

You can use the following loan calculator provided by calculator.net to reproduce and see other examples of business loan repayment.

Why MicroCapital?

Our 100% Quebec-based company was created to offer Quebec SMEs a reliable, flexible and fast financing solution.

Satisfaction rate: 99.2%.

100% Canadian

We finance SMEs in over 700 different industries

Which industries are accepted?

Restaurants

Online shops

Retail businesses

Professional Services

Plants

Tourism

and more than 700 others…

MicroCapital offers personalized financial assistance for small and medium-sized businesses in Quebec, regardless of the sector of activity, whether for the management of a factory, a restaurant, a retail business or another business.

Our customer satisfaction rate is high, approaching 100%, and we support Quebec SMEs in more than 700 different areas to help them obtain the financing they need, especially in difficult financial times.

So are you waiting for?

Solve your financial problems with our financing solutions.

Click the button below to get started.

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