Published term loan terms, side by side. Rates reviewed November 2026.
Best for: Businesses six months old that want a term loan without a full year of history
Apply Now Full profileBest for: Small businesses that want capital fast - funded in 24-48 hours with only a soft credit pull and no personal guarantee - with underwriting built on cash flow rather than credit scores
Apply Now Full profile| CanaCap | Huumans | |
|---|---|---|
| Amount range | $5,000 – $500,000 | $1,000 – $100,000 |
| Rate | From 9.99% APR | Factor 1.03 - 1.12 |
| Term | 4 – 12 months | 3 – 12 months |
| Funding speed | 3 hours | 2 days |
| Income types | 3 income types accepted | Not published |
| Revenue minimum | $10,000/month revenue minimum | $6,000/month revenue minimum |
| Time in business | 6 months trading minimum | 12 months trading minimum |
| Minimum credit band | poor | any |
| Provinces | All provinces and territories | All provinces and territories |
