Published term loan terms, side by side. Rates reviewed August 2026.
Best for: Businesses wanting term, revolving and revenue-based options under one roof from 6 months trading
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| Journey Capital | Merchant Growth | |
|---|---|---|
| Amount range | $5,000 – $500,000 | $5,000 – $800,000 |
| Rate | From 16% APR | From 7.99% APR |
| Term | 6 – 24 months | 6 – 24 months |
| Funding speed | 1 day | 2 days |
| Income types | 3 income types accepted | 3 income types accepted |
| Revenue minimum | $8,333/month revenue minimum | $5,000/month revenue minimum |
| Time in business | 6 months trading minimum | 12 months trading minimum |
| Minimum credit band | fair | poor |
| Provinces | All provinces and territories | All provinces and territories |
| Journey Capital | Merchant Growth | |
|---|---|---|
| Amount range | $6,000 – $300,000 | $5,000 – $800,000 |
| Rate | From 19.99% APR | From 7.99% APR |
| Term | 6 – 24 months | Not published |
| Funding speed | 1 day | 2 days |
| Income types | 3 income types accepted | 3 income types accepted |
| Revenue minimum | $10,000/month revenue minimum | $5,000/month revenue minimum |
| Time in business | 12 months trading minimum | 12 months trading minimum |
| Minimum credit band | fair | poor |
| Provinces | All provinces and territories | All provinces and territories |
