Published term loan terms, side by side. Rates reviewed November 2026.
Best for: Established businesses that need $10,000 or more within days, want revenue-based underwriting instead of a credit-score gate, and can benefit from early-repayment discounts
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| Elect Capital | Huumans | |
|---|---|---|
| Amount range | $10,000 – $1,000,000 | $1,000 – $100,000 |
| Rate | Factor 1.29 - 1.49 | Factor 1.03 - 1.12 |
| Term | 3 – 12 months | 3 – 12 months |
| Funding speed | 1 day | 2 days |
| Revenue minimum | $15,000/month revenue minimum | $6,000/month revenue minimum |
| Time in business | 12 months trading minimum | 12 months trading minimum |
| Minimum credit band | Not published | any |
| Provinces | All provinces and territories | All provinces and territories |
