In this video, we take a closer look at Journey Capital, one of Canada’s well-known online business financing providers. Whether you’re managing cash flow, preparing for seasonal demand, or looking to invest in growth, Journey Capital offers fast and flexible funding designed for real Canadian business owners.
This video covers who Journey Capital is, what types of financing they provide, how their application process works, and whether they might be a good fit for your business. If you’re considering alternative financing options, this overview will give you the essential details in just a few minutes.
What This Video Covers
In the review, you’ll learn:
1. Who Journey Capital Is
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A national alternative lender serving Canadian SMEs
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Focused on helping entrepreneurs access fast working capital
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Known for simple online applications and quick approvals
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Works with a wide range of industries across Canada
The video highlights Journey Capital’s mission: making it easier and faster for businesses to access the funding they need without bank-level delays or paperwork.
2. Their Main Financing Products
The video explains Journey Capital’s three primary funding solutions and how each one works:
Business Term Loans
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Borrow $10,000 to $500,000
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4-24 month repayment terms
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Predictable, fixed payments
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Great for expansion, equipment, inventory, or cash flow stability
Business Lines of Credit
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Access $10,000 to $500,000
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Withdraw funds when needed
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Pay interest only on the amount used
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Perfect for short-term or recurring expenses
Flex Fund Advances (Revenue-Based Financing)
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Payments fluctuate based on your sales volume
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Helpful for businesses with seasonal or variable cash flow
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Fast approvals with flexible repayment
The video breaks down how each option works so viewers can easily compare based on their needs.
3. Eligibility Requirements
The video also outlines who typically qualifies:
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600+ credit score
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6 months in business
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$100,000+ annual revenue
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Active business bank account
This helps business owners quickly understand whether Journey Capital may be a realistic option before applying.
4. How Fast the Funding Is
One of Journey Capital’s biggest advantages — emphasized in the video — is speed:
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Online applications take just a few minutes
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Approval decisions come quickly
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Funds can be delivered in as fast as 24 hours
For businesses facing time-sensitive needs, this can be a major benefit.
5. Industries Served
The video touches on the broad range of industries they support, including:
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Retail
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Restaurants and hospitality
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Trades, contractors, and construction
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Transportation and trucking
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E-commerce
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Professional services
Journey Capital works with thousands of Canadian small business owners nationwide.
6. How to Apply Through Smarter Loans
The video ends by showing viewers exactly how to apply through Smarter Loans:
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Visit the Journey Capital page
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Review the lender details
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Click Apply Now
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Complete the online form to get started
Visit Journey Capital on Smarter Loans
Apply for a Business Loan Now via Smarter Loans
Smarter Loans makes it simple to compare options, review eligibility, and apply safely with trusted Canadian lenders.
Why This Review Is Helpful
This video is ideal for:
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Business owners exploring non-bank funding
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Entrepreneurs who need capital quickly
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Companies looking for flexible repayment options
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Anyone comparing lenders before applying
It provides a straightforward, no-nonsense breakdown of Journey Capital in under a few minutes — saving viewers time and helping them make informed decisions.
Related Tools & Resources
If you’re comparing financing options, these tools can help:
Video by:
Smarter Loans is Canada's online loan directory for any type of financing. The website helps Canadians find reputable lenders & financial companies all over Canada and compare their products, rates, and terms in one place.
