Driven Review 2026Apply Now Check if I Qualify ↓
Written and analysed by Smarter Loans Editorial Team · Reviewed by Vlad Sherbatov
Each product is priced separately. Compare them below.
Three questions checked against Driven's published criteria, per product. No application started.
Driven still gets up from the desk: new customers should expect a site visit in most instances, along with CRA documents.
New customers should plan for a visit. It is required in most instances rather than reserved for doubtful files, which means the business gets seen in person, not just read from its statements, before money moves.
Tax records sit alongside bank statements in the file. New customers will be asked for CRA documents, existing customers can be asked again, and few funders in this category request them at all.
Issued by our editorial team from platform data and verified reviews. Lenders cannot buy them.
Quality Lender
Vetted lenders that are listed on Smarter Loans
Enduring Excellence
Listed on Smarter Loans for 7 or more years
Video Verified
Completed a video interview with a Smarter Loans journalist, or has a video review on their profile
Customer Favourite
High click-through and engagement rates from Smarter Loans visitors
Badges are issued by our editorial team from platform data and verified reviews. They are never sold, and featured placement has no bearing on them. Read the badge criteria ›
10 reviews from borrowers who used Driven. Reviews are moderated; lenders cannot remove them.
I needed help with some emergency expenses and was having a hard time getting additional financing. Driven was able to process my application and get money in my account in less than 3 days. The service is fantastic!
Best of the best. Amazing service and so professional. Moustafa Kamal was a real pro and takes care of my business needs. Highly recommended to everyone
I've been dealing with Driven (used to be Thinking Capital) for years. The service is fast, effective and professional! Never thought borrowing for your business could be so simple. I want to say a big thank you to Cordia who not only makes you feel like your dealing with a friend but she's always quick, helpful and to the point! Thank you Cordia!!!
Excellent service provided by Daniel in Thinking Capital (now Driven). Really happy with the service.
Driven helped us cover unexpected costs during a critical time. Really responsive team.
Everything from inquiry to funding was seamless and stress-free. Thanks Driven!
They worked with our short credit history and got us funded in under a week.
Fast, friendly and efficient. I can see why they’re called Driven.
Funding was slower than expected, but still came through eventually.
They walked me through the process and ensured I had everything I needed.
Driven (Formally Thinking Capital) is redefining how small businesses access capital in Canada by empowering them with smart ideas and the means to fund them.
Driven provides flexible capital, personalized support, and next-generation data science and technology to Canadian small business owners.
Since 2006, Driven has empowered more than 17,000 Canadian businesses to survive, thrive, and grow to their full potential.
You can borrow from $10,000 to $300,000 on 3, 4, 6, 9, 12, 18 or 24 month terms, with absolutely no hidden fees.
Driven's all-digital application process is quick and easy and typically takes less than 10 minutes. They ask for basic information about you and your business. They then ask you to securely connect your bank. And moments after you're done, they'll tell you exactly how much you can borrow - all without hurting your credit score.
Driven will tell you exactly how much you can borrow straight away, but only you know how much you actually need right now. Make individual draws from within your overall limit, for whatever purpose you need, and funds will arrive in as little as 24 hours. Pricing for every draw is outlined up front before you commit, with nothing hidden in the small print. Some additional verifications may be required before funding can be released on your first draw.
You can choose the repayment schedule that makes sense for your business - from daily, weekly or bi-weekly payments, or pay early to save on interest.
For either consumer or commercial credit, applying for a line of credit will not impact your credit score. Driven will do a soft inquiry on your personal credit that will help them qualify you for a Small Business Loan.
Applying for your Small Business Loan takes just a few minutes and credit decisions are instant. You’ll be given access to funds in as little as 24 hours.
The credit that is automatically approved for you in your dashboard can be used to pay invoices to your specific business suppliers. Additional capital you can apply for from your customer portal is deposited directly to your business bank account which you can do with as you wish. This financing can be used to make the purchases, investments, or fixes you need to grow and support your business.
