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: Established businesses with $5,000 a month in sales that want a term loan and a line of credit together
Apply Now Full profile| Huumans | Merchant Growth | |
|---|---|---|
| Amount range | $1,000 – $100,000 | $5,000 – $800,000 |
| Rate | Factor 1.03 - 1.12 | From 7.99% APR |
| Term | 3 – 12 months | 6 – 24 months |
| Funding speed | 2 days | 2 days |
| Income types | Not published | 3 income types accepted |
| Revenue minimum | $6,000/month revenue minimum | $5,000/month revenue minimum |
| Time in business | 12 months trading minimum | 12 months trading minimum |
| Minimum credit band | any | poor |
| Provinces | All provinces and territories | All provinces and territories |
| Huumans | Merchant Growth | |
|---|---|---|
| Amount range | $1,000 – $100,000 | $5,000 – $800,000 |
| Rate | Factor 1.03 - 1.12 | From 7.99% APR |
| Term | 3 – 12 months | Not published |
| Funding speed | 2 days | 2 days |
| Income types | Not published | 3 income types accepted |
| Revenue minimum | $6,000/month revenue minimum | $5,000/month revenue minimum |
| Time in business | 12 months trading minimum | 12 months trading minimum |
| Minimum credit band | any | poor |
| Provinces | All provinces and territories | All provinces and territories |
