The province of Quebec has seen a massive increase of small businesses entering the scene. Those who are starting a business should prioritize their finances as it is the key to their success. Although, it might be difficult for you if you have a low credit score as securing financial assistance is that much harder. Here at Smarter Loans, we work with a ton of bad credit small business loan providers who are experts in this situation and will be able to help you. On top of that, we are confident in their ability to provide fast responses and quick loan deliveries. Especially if you run a retail store, you could greatly benefit from additional financing to maintain your inventory levels regardless of your credit score situation.
BizFund is an established, fast growing, alternate business funding solution, for small to mid-size businesses. Based in New York, with offices across the globe, we are excited to bring our 10 years of business funding expertise and resources to the Canadian market. As our tag line says, we are loyal to you and your growth. We value our partners and merchants, and stand behind every investment from start to finish, whether funds are being used for inventory, upgrades, expansion, human capital/wages, and/or marketing to name a few – we will partner with you for the duration of the funding.
Welcome to Breeze Capital – your dependable ally in business financing throughout Canada. With a track record spanning over 8 years, they specialize in delivering prompt and hassle-free lending solutions tailored to suit the unique requirements of businesses across every province. Their efficient process ensures a quick, seamless, and stress-free experience, empowering you to access the capital you require with unmatched efficiency. Boasting an impressive approval rate exceeding 98%, Breeze Capital is synonymous with reliability and support for businesses of all scales. Whether you seek working capital, equipment financing, or any other financial assistance, count on Breeze Capital to be your partner in realizing your business ambitions.
Driven is Canada’s leading fintech dedicated to small businesses. It provides flexible capital, personalized support, and next-generation data science and technology to Canadian small business owners. Since 2006, Driven has empowered more than 17,000 Canadian businesses to survive, thrive, and grow to their full potential.
Take a step towards a thriving future for your company by exploring a business loan today!
Journey Capital, a proudly Canadian enterprise, boasts a seasoned team and leadership dedicated to providing top-tier financing solutions for Canadian small businesses. With a focus on people-first principles, they offer an extensive array of online lending services, including Business Term Loans, Business Lines of Credit, and Flex Fund merchant advances. Since their establishment in 2009, Journey Capital has led the industry in transparent, efficient, and data-driven lending practices, leveraging technology to deliver rapid funding to a diverse range of Canadian enterprises.
We are one of Canada’s fastest and most friendly alternative financiers. We’ve been helping businesses grow since 2009, it’s all we do and we love doing it. Our innovative approach blends thoughtful customer care, complete transparency, and the latest technology to provide fast accessible financing to small businesses in Canada. Basically, we work really hard to make business financing easy to understand, accessible for everyone, and make the whole process quick…really quick.
Merchant Growth is a member of the Canadian Lenders Association:
Elevate your business financing experience with Advance Funds Network. They have been funding businesses in Canada & the United States since 2008 with over 1,000 positive online reviews. Advance Funds Network offers a wide array of financing options, including working capital, invoice factoring, bridge financing, and lines of credit. The whole funding process takes between 24-48 hours with No Collateral required! Apply today and get a free quote within a few hours!
Advance Funds Network is a member of the Canadian Lenders Association:
KM Capital is committed to helping Canadian businesses thrive. As an innovative alternative funding provider, KM Capital understands small and medium-sized businesses’ challenges when traditional financing options fall short. That’s why they specialize in flexible Merchant Cash Advances tailored to every client’s needs.
Their streamlined one-page application process is simple, fast, and free, designed to make securing funding easier than ever. With a team of diligent in-house underwriting experts, KM Capital approves over 90% of applications and delivers funds within as little as 24–48 hours, with no collateral required.
You can use this funding to take your business to the next level—purchasing inventory, upgrading equipment, hiring staff, or launching a website. Let KM Capital be your trusted partner in business growth by helping you overcome challenges and seize new opportunities. With KM Capital, the possibilities are limitless.
Capital For Market is a Canadian Business Loan Brokerage that serves the North American market. With focus on Canada and the US. They are a boutique company serving a niche market. Taking pride in growing their clients beyond just getting loans. They were voted Best Business Loan Brokerage in Canada 2023 and Most Client Focused Business Loan Brokerage in North America 2023. Due to their ability to match client needs to appropriate lenders their success rate of accepted clients is more than 90%.They are members of CFLA (Canadian Finance Lease Association), NEFA (National Equipment Finance Association) and The Oakville Chamber of Commerce. Imagine what they can do for your company. Let them help you grow.
Nexus Finance is a trusted Canadian business financing provider dedicated to helping small and medium-sized businesses thrive. With a focus on speed, flexibility, and transparency, Nexus Finance connects entrepreneurs with the funding solutions they need to manage cash flow, invest in growth, or navigate unexpected expenses.
Serving businesses across all provinces in Canada, Nexus Finance offers a variety of financing options — including merchant cash advances, lines of credit, unsecured term loans, invoice factoring, and point of sale financing. With a streamlined application process, same-day funding availability, and access to a network of reputable Canadian lenders, Nexus Finance empowers business owners to make confident financial decisions.
To date, the company has released over $100 million in funding to Canadian businesses, supporting their journey from stability to success.
Founded in 2020, MHB Financial has quickly established itself as a trusted partner for Canadian businesses seeking working capital solutions. With a focus on speed, flexibility, and transparency, MHB Financial has empowered over 10,000 clients to achieve their financial goals, facilitating more than $100 million in funding to date.
MHB Financial stands out by combining personalized service with a commitment to delivering the best possible financing options. Acting as both a lender and a broker, they ensure clients receive competitive rates and tailored solutions designed to meet the unique needs of their businesses.
Services Offered:
Unsecured Term Loans: Flexible funding without the need for collateral
Invoice Factoring: Turn outstanding invoices into immediate cash flow
Merchant Cash Advances: Funding tied to future sales for businesses on the move
Lines of Credit: Access capital when you need it, up to a set limit
Secured Asset-Based Loans: Financing backed by business assets
Point of Sale Financing: Solutions to support customer purchases
Custom Financial Solutions: Tailored funding options to fit any business need
With a streamlined application process, same-day funding, and a client-first approach, MHB Financial is dedicated to helping Canadian businesses thrive in today’s competitive marketplace.
Greenbox Capital is an alternative lender supporting the growth of small businesses in Canada and the United States. When you work with us, you can be assured of getting fast funding with ongoing communication throughout the process. At Greenbox Capital, we fund with integrity and take a personalized approach to your funding needs. It’s always people first.
Voxen Capital is a leading provider of customized financing solutions, dedicated to empowering Canadian businesses across a range of industries. Our expertise spans business loans, invoice financing, equipment leasing, and working capital, offering the flexibility businesses need to optimize cash flow and pursue new growth opportunities. With a streamlined application process, we ensure fast funding—often within 24 hours—so our clients can achieve their goals and reach new heights. Learn more about how we support ambitious business growth at Voxen Capital.
Loop is a banking platform built specifically for the needs of growing ecommerce businesses. Loop offers a multi-currency corporate Mastercard®, seamless payments to suppliers around the world at market-leading FX rates, real US Dollar bank accounts and capital solutions for D2C brands.
The Loop team has been building financial products for Canadian businesses for the better part of a decade. Since day 1, they have been exclusively focused on supporting the small business ecosystem. They’ve advocated for banking reform, pioneered low-cost funding methods for SMBs and lent more than $100M to businesses across the country.
The province of Quebec has seen a massive increase of small businesses entering the scene. Those who are starting a business should prioritize their finances as it is the key to their success. Although, it might be difficult for you if you have a low credit score as securing financial assistance is that much harder. Here at Smarter Loans, we work with a ton of bad credit small business loan providers who are experts in this situation and will be able to help you. On top of that, we are confident in their ability to provide fast responses and quick loan deliveries. Especially if you run a retail store, you could greatly benefit from additional financing to maintain your inventory levels regardless of your credit score situation.
Our providers have expressed a ton of excitement to open their doors and begin working with more clients this year. To apply, your business must have been in operation for at least 6 months and make monthly sales of over $5000. Furthermore, our providers are extremely flexible with their financial products and are open to custom tailoring their terms to better suit you and your business. View the list below to see which providers we have begun partnering up with. From the comfort of your own home, you can apply directly to one of our providers. All you have to do is click the Apply Now button to begin an application form.
If you are finding it challenging to choose a provider, pre-apply at Smarter Loans instead. We’ll gladly walk you through the process and help you find a bad credit small business loan provider in Quebec.
Written by:
Amy Orr
Amy Orr is a professional writer and editor with over 10 years of experience in the Canadian, U.S. and U.K. financial markets. She has written for numerous publications on topics as diverse as economic literacy, corporate finance, and technical analysis of numerical data. Prior to transitioning to full-time writing, she worked in the hedge fund sector. Her academic background is astrophysics, and she has a Masters in Finance from the University of Edinburgh Business School.
Reviewed by:
Jenna West
Jenna West is Smarter Loans' in-house financial writer and content director. She has been covering the Canadian FinTech and finance industry since 2017, including financial trends analysis, industry surveys, regulatory updates and changes in Canadian consumer behaviour when it comes to finance.
I’m very honoured to shear my experience with this illustrious platform. To be able to systematically choose from a list optional to one’s profile without doing much leg work is truly rewarding. This platform allowed to expand my options and chose which lenders fit my profile, thank you and continue doing what you do best,, connecting people to available wealth opportunities.
I have recommended this place to many friends I feel that this company goes out of their way to help people that they can and they are very easy to work with
This company is reliable, quick, and just has the best customer service and rates it is a easy process with quick results. Would definitely recommend to anyone that needs the help.
Personally love this opportunity and app. Super convenient and easy to use and super awesome variety of great loans. Thanks so much guys for making such an awesome site and app and being there for me over the years. :)
From beginning to end, my experience was great! Very professional and personable agents. They only asked questions that were needed for the loan and payments were extremely reasonable. Would recommend to anyone who needs emergency funds.
“ Thank you SO very much! My situation was tricky and you guys made the whole process so effortless. The way you guys handle the whole process so discreetly. That truly speaks to how well your office is run and the caliber of specialists who handled the processing of my entire loan!”
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