Get up to 300 000$

Short-Term Cash Flow Financing

Fast & easy business loans…

100% secure process

Short-Term Cash Flow Financing!

Obtain short-term cash flow financing ranging from $5,000 to $300,000 for your business in just a few business days.

Just click on one of the big blue “Get Started” buttons to start the application process and get pre-approved in less than a minute.

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.

Get Started

What is cash flow financing?

Short-term cash flow financing is a type of financing that aims to cover a company’s short-term cash flow needs, such as current expenses, short-term loan payments or debt repayments.

This type of financing can be obtained through means such as lines of credit, short-term loans or trade credits.

The repayment conditions and the costs of this type of financing generally depend on the duration of the loan, the solvency of the company and the financial market.

What are the eligibility criteria?

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

Annual income: $100,000

The company operates in Canada

The company has been operating for at least 6 months

No active bankruptcy

Who can lend money to businesses for cash flow financing?

There are several options for cash financing for a business in Quebec.

Here are some examples:

Bank loans or private loans: companies can apply for a bank loan or from a private lender to finance their short-term expenses.
Government Grants: There are government grant programs to help businesses with financing.

What are you waiting for?

Get pre-approved in less than 5 minutes…

Get Started

100% secure process

FAQ

What is the business term loan rate for cash flow financing?

Interest rates for fixed repayment business loans vary between 8% and 29% depending on the financial situation of your business and that of its owner.

What are the eligibility criteria?

To obtain financing for your business’ computer equipment with us and our partners, you must meet the following conditions: a minimum personal credit score of 550, a minimum business credit score of 1300, be a Canadian business in activity in Canada for at least 6 months, and not be in an active bankruptcy situation.

What industries are not accepted?

We and our partners provide business loans to over 700 industries, but there are some industries considered at risk for which we cannot provide financing, such as firearms suppliers, government agencies, horoscope/divination, adult entertainment, public administration, NPOs, religious organizations, financial services companies and all lottery/casino/betting related activities.

How does it work?

Applying for a business loan is easy. Just click the “Get Started” button and answer simple questions to get pre-approved. If you meet the criteria, one of our representatives will contact you to finalize the process by asking a few additional questions.

Example of repayment of a fixed-term loan

In the example of an $85,000 loan at an interest rate of 11.2% repayable over 12 months, the monthly payments will be $7,071.19 for a total amount of $84,855.27. Interest on the loan will be $855.27.

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…

Since 2021, MicroCapital has been helping small businesses in Quebec realize their dreams through our commitment to fast and reliable financing. With nearly 100% customer satisfaction, our company is proud to support local SMBs.

We know that business financial needs can vary widely, which is why we offer a flexible range of business loan amounts. We are able to provide financing ranging from $5,000 to $300,000 in just a few business days, allowing businesses to quickly access the funds they need to grow and thrive. What are you waiting for?

Click the button below to get started.

Get Started