Published term loan terms, side by side. Rates reviewed November 2026.
Best 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 profileBest for: Businesses wanting term, revolving and revenue-based options under one roof from 6 months trading
Apply Now Full profile| Huumans | Journey Capital | |
|---|---|---|
| Amount range | $1,000 – $100,000 | $5,000 – $500,000 |
| Rate | Factor 1.03 - 1.12 | From 16% APR |
| Term | 3 – 12 months | 6 – 24 months |
| Funding speed | 2 days | 1 day |
| Income types | Not published | 3 income types accepted |
| Revenue minimum | $6,000/month revenue minimum | $8,333/month revenue minimum |
| Time in business | 12 months trading minimum | 6 months trading minimum |
| Minimum credit band | any | fair |
| Provinces | All provinces and territories | All provinces and territories |
| Huumans | Journey Capital | |
|---|---|---|
| Amount range | $1,000 – $100,000 | $6,000 – $300,000 |
| Rate | Factor 1.03 - 1.12 | From 19.99% APR |
| Term | 3 – 12 months | 6 – 24 months |
| Funding speed | 2 days | 1 day |
| Income types | Not published | 3 income types accepted |
| Revenue minimum | $6,000/month revenue minimum | $10,000/month revenue minimum |
| Time in business | 12 months trading minimum | 12 months trading minimum |
| Minimum credit band | any | fair |
| Provinces | All provinces and territories | All provinces and territories |
