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Breeze Capital vs CanaCap
Breeze Capital vs CanaCap
Published term loan terms, side by side. Rates reviewed August 2026.
Breeze Capital
★ 4.9 from 11 reviews
Best for: Businesses six months old that need a large term raise and want a line and an advance available too
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CanaCap
★ 4.6 from 13 reviews
Best for: Businesses six months old that want a term loan without a full year of history
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The short version
- Breeze Capital publishes the lower starting rate: From 7.99% APR against From 9.99% APR.
- Breeze Capital lends the larger amounts, up to $1,500,000.
- CanaCap publishes the faster funding speed: 3 hours.
- Breeze Capital serves the wider set of provinces.
Computed from each lender's published terms, reviewed August 2026. Where a lender does not publish a figure, no claim is made.
Term loan
| Breeze Capital | CanaCap |
|---|
| Amount range |
$10,000 – $1,500,000 |
$5,000 – $500,000 |
| Rate |
From 7.99% APR |
From 9.99% APR |
| Term |
3 – 24 months |
4 – 12 months |
| Funding speed |
1 day |
3 hours |
| Income types |
3 income types accepted |
3 income types accepted |
| Revenue minimum |
$10,000/month revenue minimum |
$10,000/month revenue minimum |
| Time in business |
6 months trading minimum |
6 months trading minimum |
| Minimum credit band |
poor |
poor |
| Provinces |
All provinces and territories |
All provinces and territories |
Merchant cash advance
| Breeze Capital | CanaCap |
|---|
| Amount range |
$5,000 – $500,000 |
$5,000 – $500,000 |
| Rate |
Factor 1.1 - 1.5 |
Factor 1.1 - 1.5 |
| Term |
3 – 12 months |
3 – 12 months |
| Funding speed |
1 day |
3 hours |
| Income types |
3 income types accepted |
3 income types accepted |
| Revenue minimum |
$10,000/month revenue minimum |
$10,000/month revenue minimum |
| Time in business |
6 months trading minimum |
6 months trading minimum |
| Minimum credit band |
poor |
poor |
| Provinces |
All provinces and territories |
All provinces and territories |
Equipment financing
| Breeze Capital | CanaCap |
|---|
| Amount range |
$10,000 – $1,500,000 |
$5,000 – $500,000 |
| Rate |
From 7.99% APR |
From 9.99% APR |
| Term |
3 – 24 months |
4 – 12 months |
| Funding speed |
1 day |
3 hours |
| Income types |
3 income types accepted |
3 income types accepted |
| Revenue minimum |
$10,000/month revenue minimum |
$10,000/month revenue minimum |
| Time in business |
6 months trading minimum |
6 months trading minimum |
| Minimum credit band |
poor |
poor |
| Provinces |
All provinces and territories |
All provinces and territories |
Truck loan
| Breeze Capital | CanaCap |
|---|
| Amount range |
$10,000 – $1,500,000 |
$5,000 – $500,000 |
| Rate |
From 7.99% APR |
From 9.99% APR |
| Term |
3 – 24 months |
4 – 12 months |
| Funding speed |
1 day |
3 hours |
| Income types |
3 income types accepted |
3 income types accepted |
| Revenue minimum |
$10,000/month revenue minimum |
$10,000/month revenue minimum |
| Time in business |
6 months trading minimum |
6 months trading minimum |
| Minimum credit band |
poor |
poor |
| Provinces |
All provinces and territories |
All provinces and territories |
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