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| Request size | Share of business demand |
|---|---|
| Under $10,000 | 36.9% |
| $10,000 to $50,000 | 31.9% |
| $50,000 to $150,000 | 17.4% |
| $150,000 to $500,000 | 9.9% |
| $500,000 to $1.5M | 3.6% |
68.8% of requests are under $50,000. At the other end, 13.5% exceed $150,000, and that tail pulls the overall average to $98,168, roughly six times what a typical operator asks for.
Reading business demand through the average alone misses the market's shape entirely. Most Canadian business borrowing is working-capital scale.
| Purpose | Average request |
|---|---|
| Start a business | $124,450 |
| Expansion | $118,580 |
| General business | $103,572 |
| Everyday operations | $89,090 |
| Purchase inventory | $78,083 |
Growth capital and operating capital ask for different amounts. Starting a business and expanding average above $110,000. Operations and inventory sit closer to $80,000.
Start-a-business borrowing appears on both sides of our platform at very different scales.
Applicants applying through the business channel to start a company request $124,450 on average. Applicants selecting the same purpose on a personal application request $9,646.
That gap describes two founder populations: ventures seeking growth capital, and individuals bootstrapping a business out of personal credit. The second path is invisible to mainstream small business statistics.
Two pricing structures exist in this market and they are not directly comparable.
APR pricing. An annual rate on a declining balance, the same structure as a personal loan. 12 of the lenders in our network price this way.
Factor rates. A multiplier on the advanced amount, used for merchant cash advances. A factor of 1.3 on $50,000 means repaying $65,000 regardless of how quickly it is repaid. 11 lenders price this way.
Because a factor rate does not decline with early repayment, converting it to an APR produces a much larger number, and the conversion depends on the repayment period. We show factor-priced products separately rather than blending them into an APR list, because blending misrepresents both.
Time in business. The most common hard gate. 11 lenders in our network fund businesses trading under 12 months.
Monthly revenue. Minimum monthly revenue requirements vary, and a small number of lenders accept below $10,000.
Deposit consistency. Revenue-based lenders read the business bank account directly and assess deposit regularity, which matters more than the annual figure.
Personal credit of the owner. For smaller amounts this frequently matters more than business credit, particularly for newer businesses.
An average of $98,168, though 68.8% of requests are under $50,000. The average is pulled up by a small number of large requests.
11 lenders in our network fund businesses trading under 12 months. Start-a-business requests carry the highest average of any business purpose at $124,450.
A multiplier on the advanced amount rather than an annual interest rate. A factor of 1.3 on $50,000 means repaying $65,000. It does not decline with early repayment.
Not always. Revenue-based products assess deposits rather than collateral, and price accordingly.
