Smarter Loans
close
Apply Now
Home › Business Loan Application

Business Loan Application

One application. 14 lenders from our 50+ network. Funded in 24 to 48 hours.

14 lenders in our network serve Apply. Borrow $250 to $50 million from 7% APR, with funding as fast as 48 hours. Most lenders require 12 months in business and $10,000 monthly revenue. Merchant cash advances are shown as factor rates, not APR. Rates reviewed August 2026.

Get Funded One application routed to where you qualify.

Your lender options

Every Apply button starts the same single application. Your chosen lender is prioritized first.

Show only lenders I qualify for
Three questions about your business, and it filters this list instantly.
Revenue: AnyAmount: Any Product: Any Sort: Recommended
★★★★★ 4.6 (16)
Amount
$5K - $500K
Rate
Factor 1.1 - 1.5 See true cost ›
Terms
5 - 9 months
Min revenue
$15,000/mo
Time in business
6+ months
Apply Now View profile
Best for Businesses with strong monthly sales that want repayment tied to revenue rather than a fixed schedule · Merchant cash advance
★★★★★ 5.0 (8)
Amount
$5K - $5M
Rate
From 9.99% APR
Terms
12 months
Min revenue
$10,000/mo
Time in business
12+ months
Apply Now View profile
Best for Established businesses needing a large raise with flexible underwriting · Term loan · Also offers: merchant cash advance
★★★★★ 4.4 (7)
Amount
$5K - $500K
Rate
From 9.99% APR
Terms
2 - 24 months
Min revenue
$10,000/mo
Time in business
12+ months
Apply Now View profile
Best for Businesses that want revenue-based funding priced as an APR rather than a factor rate · Merchant cash advance
★★★★★ 4.9 (11)
Amount
$10K - $1.5M
Rate
From 7.99% APR
Terms
3 - 24 months
Min revenue
$10,000/mo
Time in business
6+ months
Apply Now View profile
Best for Businesses six months old that need a large term raise and want a line and an advance available too · Term loan · Also offers: line of credit, merchant cash advance
★★★★★ 4.6 (13)
Amount
$5K - $500K
Rate
From 9.99% APR
Terms
4 - 12 months
Min revenue
$10,000/mo
Time in business
6+ months
Apply Now View profile
Best for Businesses six months old that want a term loan without a full year of history · Term loan · Also offers: merchant cash advance
★★★★★ 4.6 (10)
Amount
$10K - $300K
Rate
From 8.39% APR
Terms
3 - 24 months
Min revenue
$10,000/mo
Time in business
6+ months
Apply Now View profile
Best for Newer businesses that want a straightforward term loan with total cost visible before committing · Term loan
★★★★★ 4.4 (9)
Amount
$5K - $500K
Rate
From 16% APR
Terms
6 - 24 months
Min revenue
$8,333/mo
Time in business
6+ months
Apply Now View profile
Best for Businesses wanting term, revolving and revenue-based options under one roof from 6 months trading · Term loan · Also offers: line of credit, merchant cash advance
★★★★★ 4.8 (10)
Amount
$5K - $800K
Rate
From 7.99% APR
Terms
6 - 24 months
Min revenue
$5,000/mo
Time in business
12+ months
Apply Now View profile
Best for Established businesses with $5,000 a month in sales that want a term loan and a line of credit together · Term loan · Also offers: line of credit
★★★★★ 4.8 (6)
Amount
$5K - $50M
Rate
From 7% APR
Terms
5 - 96 months
Min revenue
$10,000/mo
Time in business
12+ months
Apply Now View profile
Best for Established businesses seeking the lowest published rate or a very large raise · Term loan · Also offers: merchant cash advance
★★★★★ 4.8 (3)
Amount
$2.5K - $1M
Rate
From 7.5% APR
Terms
3 - 72 months
Min revenue
$10,000/mo
Time in business
12+ months
Apply Now View profile
Best for Established businesses wanting a low rate with a long repayment runway · Term loan · Also offers: merchant cash advance
★★★★★ 4.6 (11)
Amount
$5K - $2M
Rate
From 7.99% APR
Terms
2 - 36 months
Min revenue
$10,000/mo
Time in business
12+ months
Apply Now View profile
Best for Established businesses needing a large raise with short-term flexibility · Term loan · Also offers: merchant cash advance
★★★★★ 4.6 (11)
Amount
$5K - $300K
Rate
From 7.99% APR
Terms
3 - 12 months
Min revenue
$10,000/mo
Time in business
12+ months
Apply Now View profile
Best for Established businesses wanting a short-cycle term loan at a low rate · Term loan · Also offers: merchant cash advance
★★★★★ 5.0 (2)
Amount
$5K - $300K
Rate
Factor 1.1 - 1.5 See true cost ›
Terms
3 - 24 months
Min revenue
$10,000/mo
Time in business
3+ months
Apply Now View profile
Best for Very new Ontario businesses that cannot yet meet a six-month trading requirement · Merchant cash advance
★★★★★ 4.9 (7)
Amount
$250 - $1M
Rate
From 10% APR
Terms
3 - 60 months
Min revenue
$10,000/mo
Time in business
12+ months
Apply Now View profile
Best for Businesses needing a very small facility, or a large one, from the same provider · Term loan
WHY BUSINESS RATES CAN DIFFER FROM CONSUMER CAPS
  • The federal criminal interest rate of 35% APR applies to commercial loans of $10,000 or less
  • Commercial loans between $10,000 and $500,000 are exempt from the 35% cap if the rate does not exceed 48% APR
  • Commercial loans above $500,000 are not subject to a rate cap
  • This is why merchant cash advances and short-term business financing can price above consumer loan rates
Source: Criminal Interest Rate Regulations (Canada Gazette), verified Aug 2026
GOVERNMENT AND LOCAL PROGRAMS FOR APPLY BUSINESSES
  • Canada Small Business Financing Program · Government-backed loans of up to $1.15 million through participating banks and credit unions · Details ›
  • BDC financing · Term loans and working capital from the federal business development bank · Details ›
  • Futurpreneur Canada · Startup financing and mentorship for entrepreneurs aged 18 to 39 · Details ›
No referral fees are earned on program links.

Smarter Loans connects you with Canada’s top, trusted lenders to get the financing your business needs - fast. Whether it’s working capital, inventory, equipment, or expansion, our partners provide flexible funding to help you grow.

Complete the form below and a lender will reach out shortly to process your application.

[ninja_form id=31 — not yet wired]

How It Works:

  • Apply in under 2 minutes - just fill out our quick form
  • We Match You With a Lender - from Canada's most trusted providers
  • Get Funded Fast - Cash can be in your account in just a few days

Why Apply With Smarter Loans?

  • Find the right business loan for your needs
  • Get multiple loan offers in one place
  • Only deal with Canada's most reputable companies
  • Protect your credit score - checking your offers doesn't impact your score
One application. 14 lenders. Get Funded