Business Financing Advisory
Business financing advice built for growth
From comparing term loans and equipment financing to restructuring debt and funding a buyout, lendflo's advisors help Canadian owners choose the right capital, on the right terms, from the right lender.
- Plain-language advice
- Offers compared side by side
- All provinces
Funding comparison
Three offers, one clear pick
- Lowest total cost of capital
- Payment that fits cash flow
- No hidden prepayment penalty
Running the business leaves little time to shop for capital.
Conditions change quickly, and owners who stay agile, adaptable and forward-thinking are the ones who fund growth on their own terms. lendflo gives you clear, strategic advice on funding, debt structure and growth planning, so every financing decision is made with the whole picture in view.
- 1
- short application
- 4
- simple steps
- $2M
- term loans up to
- 13
- provinces & territories
What we advise on
Strategic financing advice to help your business grow
Major financial decisions deserve a second pair of expert eyes. Here is where we spend our time with owners across Canada.
Comprehensive Business Analysis
We read your revenue, margins and cash cycle so the funding fits the business you actually run.
Strategic Business Planning
A clear plan for what to fund, when, and how it pays for itself.
Financial Modelling
See the payment, the cost of capital and the effect on cash flow before you sign.
Funding Requirements
Work out how much you really need, and which type of financing matches the purpose.
Lender Terms Assessment
Rates, fees, security, covenants and prepayment terms compared line by line.
Acquisitions & Expansion
Funding for buying a business, a second location or major equipment.
Ways to fund your business
The right product for the job, not the one a single lender sells
Part of our advice is telling you which kind of financing fits your goal, then finding the lender that offers it on good terms.
- $25K – $2M
Business Term Loans
A lump sum with fixed payments, for growth, renovations, hiring or a large purchase.
Learn more - $10K – $500K
Equipment Financing
Buy or lease the machines, vehicles and technology you need, with the equipment as security.
Learn more - Flexible
Working Capital
Smooth out seasonal swings, cover payroll and inventory, and take advantage of supplier deals.
Learn more - Matched to sales
Revenue-Based Financing
Repayments that rise and fall with your revenue, so slow months hurt less.
Learn more - CSBFP and more
Government-Backed Loans
Programs like the Canada Small Business Financing Program, and when a private lender is the faster route.
Learn more - Case by case
Refinance & Restructure
Replace stacked or expensive financing with one structure that eases monthly cash flow.
Learn more
From proposal to funding
Guiding owners to growth and profitability
Once lenders submit their proposals, we analyze and compare them, make sure you understand every option, and negotiate the terms on your behalf through due diligence and funding.
We work with
- Banks & Credit Unions
- Alternative Lenders
- Equipment Finance Companies
Debt Restructuring
Replace expensive or stacked financing with terms that ease monthly cash flow.
Buyouts & Ownership Transitions
Finance a partner buyout, a succession plan or the purchase of an existing business.
Financing Proposal Analysis
We compare every proposal side by side and explain each option in plain language.
Lender Negotiation
We negotiate on your behalf, through due diligence and up to funding.
How it works
From first call to funded in four steps
Most of the work is ours. You stay in control of every decision.
- 1
Day 1
Tell us about the business
A two-minute form or a short call: what you want to fund, how much, and how the business is doing.
- 2
Fast
We match you with lenders
We take your file to lenders that fit your industry, size and goal, so you skip the dead ends.
- 3
Soon after
Compare offers side by side
Rates, fees, term, security and flexibility laid out in plain language, with our honest pick.
- 4
Your pace
Negotiate and fund
We negotiate terms for you and stay with you through paperwork, due diligence and funding.
Why use an advisor
Going alone, going to your bank, or going with lendflo
A broker is not right for every situation, but for most owners the comparison is easy.
| Shopping alone | One bank | lendflo advisory | |
|---|---|---|---|
| Lenders you reach | The few you know | One | Many, matched to you |
| Time to a decision | Weeks of calls | Often weeks | Much faster, one application |
| Offers compared for you | No | No | Yes, side by side |
| Terms negotiated for you | You do it | Limited | Yes |
| An advisor on your side | No | Sells its own product | Yes, independent |
| Help if one lender says no | Start over | Application ends | We try the next lender |
General comparison. Every lender and every file is different, and financing is subject to lender approval.
Who we help
Advice that speaks your industry
Cash cycles, equipment needs and lender appetite differ from one industry to the next. We advise with that in mind.
- Restaurants & hospitality
- Construction & trades
- Healthcare practices
- Trucking & transport
- Manufacturing
- Retail & e-commerce
Why lendflo
Advice on your side of the table
An advisor, a side-by-side comparison and a negotiator, all working for your business.
Many lenders, one file
We take your file to lenders that fit your industry, size and goal, so you skip the dead ends.
One short application
One form replaces a stack of lender applications and weeks of waiting.
Every province and territory
Online or by phone, in English or French, wherever your business operates.
Independent advice
We are not tied to a single lender, so the comparison is honest.
A real advisor
Someone who knows your file, answers the phone and stays through funding.
Clear terms before you decide
Rates, fees, term and security laid out in plain language, so you know exactly what you are choosing.
Do your homework
Tools and guides
Prefer to read first? These pages explain the options in plain language.
Business financing advisory, answered
We’re here to simplify your business financing journey, so you can feel confident every step of the way.
We look at your numbers and your goal, work out how much funding you need and which type fits, take your file to suitable lenders, then compare and negotiate the offers for you. If you are restructuring debt or buying a business, we plan that structure with you too.
Yes. You see each offer's rate, fees, term and security in plain language before you decide.
Once your application is complete, we take it to lenders right away and come back to you with offers. Funding after approval depends on the lender and the paperwork the product needs.
Term loans through lendflo range from $25,000 to $2,000,000 and equipment financing from $10,000 to $500,000. What you are offered depends on your revenue, time in business, credit and the lender.
Often, yes. Banks are only one kind of lender. Alternative lenders and equipment finance companies look at things differently, though approval is never guaranteed and the terms may differ from a bank's.
Yes. We are based in Toronto and serve businesses in every province and territory, online or by phone, in English and French.
Still have questions?
No obligation, just answers.
Book a Consultation and Fund Your Growth
Pick a time that suits you, or apply now and we will call you.
Turning challenges into opportunities
Let's talk: book a consultation
Tell us what you want to fund. A lendflo advisor will review your request quickly and walk you through your options.
- hello@lendflo.ca
- (855) 416-5363 (LEND)
- Toronto, Ontario, serving all of Canada
Request a call back
Prefer to talk? Call (855) 416-5363 (LEND) and we will set up your consultation.