Thinking Capital Review

Born in 2006, Thinking Capital is a Canadian based business that has deep partnerships with other Canadian financial and technological institutions. They use their expertise in this field to help the country’s small businesses acquire the financial assistance that they need to grow and excel in this rapidly expanding marketplace.

Over the past fourteen years, Thinking Capital has partnered with companies such as CIBC, Moneris, Equifax, National Bank, Alterna Bank and Meridian, along with many others. They have provided over $1 billion dollars in funding to support over 15,000 small Canadian businesses in nearly 300 different industries.

If you are a small to medium sized Canadian run business and are seeking solutions to your financial problems, Thinking Capital has the experience and expertise to assist you.


  • Experience dealing with a wide variety of different industries – Thinking Capital has experience dealing with businesses in over 300 industries all across Canada. Whether your business is a grocery or food store, a home business, a beauty salon or spa, a contracting business, a restaurant or a pet store, Thinking Capital can help you get the funding that you need to allow your business to excel. They can also offer industry specific tips and insights to help you succeed.
  • Substantial loan amounts – If you are approved for a loan through Thinking Capital, your business could receive financing up to $300,000.
  • Flexible loan repayments – Depending on the needs of your business and your daily sales amounts, loan repayments can be made on a daily, weekly, biweekly or monthly schedule.
  • Quick approval process – Thinking Capital offers an easy loan application process and a quick approval turnaround time that can have funds deposited in your business account in less than one days’ time.
  • Clear guidelines on approval requirements – At Thinking Capital, they provide a clear and concise list of specific requirements that must be met in order to be approved for a loan or line of credit, creating complete transparency, right off the bat. Some of the criteria on this list include:
    • Your business must be based in Canada
    • Your business must have been in operation for at least six months’ time
    • You must have a good personal and business credit history
    • Your business must produce a revenue of a minimum of $7,000 per month
    • Your business must be fully registered
    • Your business must fall into one of Thinking Capital’s approved industries
    • You must have an active and dedicated business bank account

To find out even more of the benefits that Thinking Capital has to offer your business, visit


Whether your business is in need of renovations or funding for a new marketing campaign, Thinking Capital can help you get the funds you need to make your business even better and boost your sales to new limits. Some of the services that they offer their customers include:

Cash Flow Advisor

Thinking Capital offers the innovative service of an online Cash Flow Advisor program. This easy to use platform offers twenty-four hour a day, seven days a week access to a whole list of helpful tools and information that will help you manage your business’s cash flow and expenses. It can provide useful insights and guidance to help your business run more smoothly.

Business Line of Credit

A business line of credit allows you access to funds on an as-needed basis. You can access these funds when needed and only pay interest on the amount that you have borrowed, not the entire approved amount.

As your business continues to grow and your repayment history remains on track, your line of credit approval amount will be rewarded and will go up as well.

New customers are eligible for a $150,000 line of credit however they may apply for more with a guarantor or Notice of Assessment. Proven, existing customers may be eligible for a line of credit up to $500,000.

Small Business Loan

Small business loans can provide the capital that your business needs to expand. These loans are available in as little as one day after the application process is completed and new applicants can receive up to $300,000. Proven, existing customers can apply for up to $500,000.

Frequently Asked Questions About Thinking Review

What is fixed financing?

Fixed financing is a loan option that works with a fixed, agreed upon interest rate with set monthly payments that can be paid back in monthly installments over the course of six, nine, or twelve months.

What is flex financing?

Flex financing offers a solution for businesses where there is no fixed monthly repayment plan. Repayment amounts are calculated based on a percentage of the business’s daily credit and debit card purchases. This is an excellent option for businesses that have off season and peak times.

Is collateral required for a Thinking Capital loan?

No. None of Thinking Capital’s financing programs require any collateral.

If I own multiple businesses can I apply for multiple loans?
Yes. As long as all of your businesses meet the required criteria, you can apply for loans for each one.

How do I pay back my loan?

Loan repayment options will be defined in the initial loan agreement and can be customized to meet the individual needs of your specific business. Loans can be paid back daily, weekly, bi-weekly or monthly over the course of a two, three, six, nine or twelve month term. These repayments are automatically withdrawn from your business bank account by Thinking Capital, eliminating the hassle of you having to remember to make the payments yourself.

With quick turnaround times, no collateral requirements and friendly service, Thinking Capital can get you the money you need when you need it! Apply now!

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Smarter Loans Staff

The Smarter Loans Staff is made up of writers, researchers, journalists, business leaders and industry experts who carefully research, analyze and produce Canada's highest quality content when it comes to money matters, on behalf of Smarter Loans. While we cannot possibly name every person involved in the process, we collectively credit them as Smarter Loans Writing Staff. Our work has been featured in the Toronto Star, National Post and many other publications. Today, Smarter Loans is recognized in Canada as the go-to destination for financial education, and was named the "GPS of Fintech Lending" by the Toronto Star in 2019.