Greenbox Capital logoGreenbox Capital Review 2026

QUALITY LENDER ENDURING EXCELLENCE CUSTOMER FAVOURITE What these mean ›
★★★★★ 4.6 · 11 borrower reviews
Greenbox Capital is a Canadian business lender offering term loans from $5,000 to $500,000, and merchant cash advances priced as factor rates. Funding in as little as 48 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
Established businesses wanting a short-cycle term loan at a low rate
Not for
Businesses needing more than $300,000 or terms beyond a year
What we like
  • + 7.99% APR floor
  • + Terms from 3 months for short working-capital needs
  • + Advance available for revenue-based repayment
Where it could improve
  • − 12-month maximum term on the term loan
  • − $300,000 ceiling is modest against the category

Products offered

Each product is priced separately. Compare them below.

Term Loan
Unsecured · All of Canada
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Amount
$5K - $300K
Rate
From 7.99% APR
Terms
3 - 12 months
Min revenue
$10,000/mo
Time in business
12+ months
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
12+ months
Good to know: Priced as a factor rate, never converted to APR. The MCA true-cost calculator converts it to dollars.

See if you qualify

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

Answer the questions to check Greenbox Capital's published criteria
Educational check against published criteria. Not an approval or offer.

Awards earned by Greenbox Capital

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

QUALITY LENDER badge Quality Lender

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

E
Enduring Excellence

Quality Lender status held three consecutive years without a compliance issue.

C
Customer Favourite

Top quartile of verified borrower review scores in its category over the past 12 months.

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 ›

Borrower reviews

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

★★★★★ Happy Customer

I've done recurring business with Greenbox Capital and every time has been an excellent experience with prompt responses. As long as everything checks out great on the business end, you will get your funding promptly, and fair pricing too!

James
★★★★★ Greenbox was exceptional and got me funded

Greenbox was exceptional got me funded when nobody else could, and my service advisor Fred Jones never gave up, and got me the funding that I needed, and I would recommend him to any small business.

Thomas Transportation
★★★★★ Love these guys!!!

Love these guys. We've been working with them for years. They take great care of you and do what they say!

Crowley Tree Experts
★★★★★ Business Loan

Reid was super helpful and did a great job.

Amandeep
★★★★★ I recommend GreenBox

Good experience, easy process and reasonable rates. They were my first choice and got the loan I applied for. Pierre

Pierre T.
★★★★★ Reliable Business Lender

Great experience with Greenbox Capital. Got funded fast with no hassle.

Jared B.
★★★★☆ [email protected]

The team really helped me understand my financing options. Friendly and responsive.

Chloe M.
★★★★★ Smooth Process

It took less than 2 days from start to funding. Great for fast capital needs.

Damon K.
★★★☆☆ Could Improve Response Time

Funding was quick but customer support was slow at times.

Terry W.
★★★★★ Repeat Customer

Used them twice and both experiences were consistent and smooth.

Kelsey H.

Showing 10 of 11 reviews.

Common questions about Greenbox Capital

What is Greenbox Capital?

Greenbox Capital is an alternative lender supporting the growth of small businesses in Canada and the United States. When you work with Greenbox Capital, you can be assured of getting fast funding with ongoing communication throughout the process.

Is Greenbox Capital Safe?

At Greenbox Capital, they fund with integrity and take a personalized approach to your funding needs. They have been in business since 2012, helped over 20,000 customers and have funded 500+ million dollars. They are a BBB Accredited Business with an A+ rating and are dedicated to helping small or mid-sized businesses succeed by providing quick, easy working capital loans.

What Products and Services Does Greenbox Capital Offer?

Greenbox Capital offers business loans, collateral loans, unsecured term loans, merchant cash advance, a line of credit and invoice factoring.

How Much Can I Borrow from Greenbox Capital?

You can borrow anywhere from $5,000 to $300,000.

What Is the Interest Rate on a Greenbox Capital Loan?

The interest rates on Greenbox Capital loans start at 7.99%.

What Is the Term Length for a Greenbox Capital Loan?

Terms on a Greenbox Capital loan is between 3 and 12 months.

Greenbox Capital · $5,000 - $500,000 · 2 products · funding in 48 hours Apply Now