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 wanting a low rate with a long repayment runway
Apply Now Full profile| Huumans | Nexus Finance | |
|---|---|---|
| Amount range | $1,000 – $100,000 | $2,500 – $1,000,000 |
| Rate | Factor 1.03 - 1.12 | From 7.5% APR |
| Term | 3 – 12 months | 3 – 72 months |
| Funding speed | 2 days | 2 days |
| 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 | 6 months trading minimum |
| Minimum credit band | any | poor |
| Provinces | All provinces and territories | All provinces and territories |
