Breeze Capital logoBreeze Capital Review 2026

QUALITY LENDER VIDEO VERIFIED What these mean ›
★★★★★ 4.9 · 11 borrower reviews
Breeze Capital is a Canadian business lender offering term loans, lines of credit, equipment financing and truck loans from $5,000 to $1.5 million, and merchant cash advances priced as factor rates. Funding in as little as 24 hours.

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Rates checked August 5, 2026

Our verdict

Written and analysed by Smarter Loans Editorial Team · Reviewed by Rafael Rositsan

Best for
Businesses six months old that need a large term raise and want a line and an advance available too
Not for
Businesses with under $10,000 in monthly sales
What we like
  • + 7.99% APR floor with a ceiling of $1.5 million, the widest term range at this rate
  • + Only 6 months trading required
  • + Three product structures under one application
Where it could improve
  • − $10,000 monthly revenue requirement, double Merchant Growth's
  • − Minimum credit score 500 applies across all three products

Products offered

Each product is priced separately. Compare them below.

Term Loan
Unsecured · All of Canada
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Amount
$10K - $1.5M
Rate
From 7.99% APR
Terms
3 - 24 months
Min revenue
$10,000/mo
Time in business
6+ months
Good to know: Minimum credit score 500.
Line of Credit
Revolving · All of Canada
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Amount
$6K - $100K
Rate
From 7.99% APR
Terms
12 - 24 months
Min revenue
$10,000/mo
Time in business
6+ months
Good to know: Minimum credit score 500.
Merchant Cash Advance
Repaid as a share of sales · All of Canada
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Amount
$5K - $500K
Rate
Factor 1.1 - 1.5See true cost ›
Terms
3 - 12 months
Min revenue
$10,000/mo
Time in business
6+ months
Good to know: Minimum credit score 500. Priced as a factor rate, never converted to APR. The MCA true-cost calculator converts it to dollars.
Equipment Financing
Secured on the asset · All of Canada
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Amount
$10K - $1.5M
Rate
From 7.99% APR
Terms
3 - 24 months
Min revenue
$10,000/mo
Time in business
6+ months
Truck & Trailer Financing
Secured on the vehicle · All of Canada
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Amount
$10K - $1.5M
Rate
From 7.99% APR
Terms
3 - 24 months
Min revenue
$10,000/mo
Time in business
6+ months

See if you qualify

Three questions checked against Breeze Capital's published criteria, per product. No application started.

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Educational check against published criteria. Not an approval or offer.

Awards earned by Breeze Capital

Issued by our editorial team from platform data and verified reviews. Lenders cannot buy them.

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Meets our full vetting standard: licensing verified in every province served, transparent pricing, and accessible support.

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Borrower reviews

11 reviews from borrowers who used Breeze Capital. Reviews are moderated; lenders cannot remove them.

★★★★★ Thank you Breeze Capital

I can't express enough gratitude for the exceptional service and straight-shooting I received from Breeze Capital. Their team went above and beyond to help me secure a business loan, and helped me find a way back to having great cash flow. I've already recommended them to several of my colleagues and will continue to do so!

Don
★★★★★ Fantastic Service at Breeze Capital

With a minority-owned business, it can be challenging to secure financing. But Breeze Capital believed in me and my business when others didn't. Thanks to their loan, I was able to invest in new equipment, hire additional staff, and increase sales. I highly recommend their services to any entrepreneur who needs reliable financing.

Alec
★★★★★ Thanks Breeze Capital!

When I needed some breathing room for my business, Breeze Capital came through for me in a big way. I'm so grateful for their support and the flexibility they offered me. They really tailor their offerings to suit your business needs, which I greatly appreciated.

Channel
★★★★★ They lived up to their name
Max C.
★★★★★ Excellent and Efficient

Excellent experience! The process was fast and the team was very helpful.

Liam B.
★★★★★ Fast Financing You Can Trust

Highly recommend them if you need quick financing solutions.

Lucas H.
★★★★★ Smooth and Quick Process

Very satisfied with how smooth and quick the application was.

Mia F.
★★★★★ Smooth and Quick Process

Very satisfied with how smooth and quick the application was.

Mia F.
★★★★★ Approved in a Day!

Got my loan approved within a day. Super convenient and trustworthy service.

Mason T.
★★★★★ Excellent, Fast Experience

Excellent experience! The process was fast and the team was very helpful.

Noah R.

Showing 10 of 11 reviews.

Learn about Breeze Capital

LENDER REVIEW · VIDEO
Breeze Capital Review – Fast & Flexible Business Financing in Canada

Common questions about Breeze Capital

Who is Breeze Capital?

Breeze Capital is a financial institution that provides business funding solutions tailored to the individual needs of their clients. They empower customers by offering them the freedom to make their own decisions regarding their business financing. Their team of lending experts collaborates closely with each client to identify the most suitable funding options, ensuring a personalized approach that aligns with their unique requirements and goals. At Breeze Capital, they prioritize customer satisfaction and strive to deliver efficient and effective financial solutions to support businesses in achieving their objectives.

What's a business line of credit like from Breeze Capital?

A business line of credit from Breeze Capital offers you a revolving credit line that's accessible 24/7. With credit limits ranging from $6,000 to $100,000, it provides flexibility to draw funds as needed. You can choose from flexible repayment terms spanning 12, 18, or 24 months. This solution is ideal for maintaining funds readily available, offering convenience and peace of mind for your business's financial needs.

Does Breeze Capital offer equipment financing?

Yes, Breeze Capital offers equipment financing. They provide financing for various types of equipment, starting at $10,000. This includes restaurant equipment, manufacturing equipment, POS terminals, construction equipment, and commercial vehicles.

Why do businesses trust Breeze Capital?

Businesses trust Breeze Capital for several reasons. Firstly, their process is convenient; filling out the application takes only 5 minutes. Secondly, they offer flexibility with a complete catalog of products tailored to fit the specific needs of each business. Lastly, their approval process is fast, with funds available in as little as 24 hours after approval.

How much can I borrow from Breeze Capital?

You can borrow between $10,000 and $1.5M from Breeze Capital.

How quickly can I get my loan funds from Breeze Capital?

You can typically receive your loan funds from Breeze Capital as quickly as within 24 hours after approval.

Breeze Capital · $5,000 - $1.5 million · 5 products · funding in 24 hours Apply Now