lendflo
lendflo
Term Loans$25K – $2MEquipment Financing$10K – $500KBusiness Financing AdvisoryExpert guidanceView all services →
AboutBlogPartnersSocial MediaContact
(855) 416-5363 (LEND)
Home/Small Business Loans Ontario
Ontario Business Financing

Small Business Loans
Ontario

lendflo is Ontario-headquartered and serves the province's 430,000+ small businesses. Whether you're a contractor in Hamilton, a restaurant owner in Toronto, or a logistics company in Brampton — fast decisions, all credit profiles considered.

Ontario SMBs

430,000+

Decision Time

Fast

Min. Revenue

$10K/mo

Why Ontario Businesses Choose lendflo

Ontario-headquartered — we understand your market
All Ontario industries served: manufacturing, tech, retail, construction, food service
Bad credit considered — decisions based on revenue
CSBFP alternative — faster, more flexible
Bilingual service (EN + FR) for Franco-Ontarian businesses
50+ lender network — competing offers, not one take-it-or-leave-it
Ontario Business Loan Products

All Products Available Across Ontario

From downtown Toronto to Northern Ontario — same products, same speed, same service.

Business Term Loans

fast decision

$25K – $2M

Term: 6–60 months

Fixed payments, no collateral required, 6+ months in business.

Equipment Financing

fast decision

$10K – $500K

Term: Up to 84 months

0% down available. Trucks, kitchen, medical, construction equipment.

Working Capital

Fast

$5K – $250K

Term: 3–18 months

Payroll gaps, inventory, slow season, unexpected expenses.

Revenue-Based Financing

fast decision

$5K – $250K

Term: Flexible

No credit score minimum. Payments flex with your monthly revenue.

Ontario Business Financing by City

Whether you're in the GTA, Ottawa, or anywhere across Ontario — lendflo serves your market.

Toronto

Canada's largest business city. Tech, finance, retail, hospitality, construction — all sectors served.

business loans Toronto

Ottawa

Government contracting, tech, healthcare, non-profits. Project-based financing and equipment for federal sector suppliers.

business loans Ottawa Ontario

Hamilton

Manufacturing, logistics, automotive, food processing. Equipment financing is the highest-demand product here.

business loans Hamilton Ontario

Mississauga / Brampton

Logistics, warehousing, trucking hub. Working capital and equipment financing for transport operators.

business financing Mississauga

London

Healthcare, education, manufacturing. Medical practice financing, equipment loans, working capital for SMBs.

business loan London Ontario

Windsor

Auto sector supply chain, manufacturing, agriculture. Equipment financing and working capital between contracts.

business financing Windsor Ontario
Ontario SMB Context

Ontario Has More Small Businesses Than Any Province

Ontario's 430,000+ small businesses generate more GDP than most Canadian provinces combined. They need faster, smarter capital access — not 6-week bank timelines. lendflo was built for exactly this market.

Ontario accounts for ~38% of Canada's GDP
Toronto: largest concentration of SMBs in Canada
Manufacturing corridor: Hamilton–Windsor–London
Tech economy: Toronto–Waterloo corridor (fastest growing)
Government contracting: Ottawa-Gatineau region

430K+

Ontario Small Businesses

Fast

Decision Time

50+

Lenders in Network

$5K–$2M

Loan Range

Common questions

Ontario Business Loan FAQ

We’re here to simplify your business financing journey, so you can feel confident every step of the way.

Apply free through lendflo. Receive competing lender offers quickly. Requirements: Ontario-registered business, 6+ months operating, $10,000+/month revenue. Funding shortly after acceptance.

Through lendflo: Business Term Loans ($25K–$2M), Equipment Financing ($10K–$500K), Working Capital ($5K–$250K), Revenue-Based Financing ($5K–$250K), and Asset-Based Credit Lines ($50K–$5M). Available across Ontario.

Yes. lendflo is headquartered in Toronto, Ontario. We serve Ontario businesses first and understand the province's diverse business landscape.

Yes. lendflo's alternative lenders approve Ontario businesses based on monthly revenue and cash flow. Scores from 500+ considered. Revenue-based financing has no credit score minimum.

The Canada Small Business Financing Program (CSBFP) is government-backed but takes 4–8 weeks with strict eligibility. lendflo provides faster private capital for Ontario businesses that need capital quickly or don't meet CSBFP criteria.

Through lendflo, Ontario businesses receive a fast decision and funding shortly after accepting a lender offer. This compares to 2–4 weeks for bank loans and 4–12 weeks for BDC.

Still have questions?

No obligation, just answers.

Ontario Business Capital — Fast Decisions

Apply free. Soft credit check only. Competing lender offers quickly. Funding quickly.

Pick your city to see equipment financing and term loan details for your area (140 cities).

Equipment financing

Business term loans

What you need to apply through lendflo

Most lenders in the network look for these basics.

  • A registered Canadian business — in any province or territory.
  • Time in business — at least 6 months of operation.
  • Revenue — around $10,000 a month or more.
  • A Canadian business bank account — that is valid and in use.
  • Recent bank statements — usually three to six months.
  • Credit — scores from 500 are considered; revenue and cash flow count too.
Common questions

People also ask

It depends on revenue, time in business, credit and the product. Through lendflo, term loans run from $25,000 to $2,000,000, equipment financing from $10,000 to $500,000 and working capital from $5,000 to $250,000. Lenders size an offer to what your revenue can repay.

Through lendflo, most applicants get a fast decision, and funds typically arrive shortly after approval. Speed depends on the lender and on how complete your documents are, so have recent bank statements ready before you apply.

Most lenders ask for three to six months of business bank statements, your business registration, identification, and the amount and purpose of the loan. Equipment loans add a supplier quote, and larger amounts may need recent financial statements or tax filings.

There is no single cutoff. Banks usually want good credit, while alternative lenders in lendflo’s network consider scores from 500 and weigh revenue and cash flow heavily. A higher score generally means better terms, so check your credit report for errors before you apply.

All frequently asked questions

Terms explained

What is a business term loan?

A business term loan is a lump sum that you repay with interest over a fixed period, usually in regular monthly payments. It suits planned, one-time investments such as expansion or hiring. Through lendflo, term loans run from $25,000 to $2,000,000, with repayment terms of up to 60 months.

See in the glossary

What is equipment financing?

Equipment financing is a loan or lease used to buy business equipment such as vehicles, machinery or technology. The equipment itself usually serves as the lender’s security, which makes approval easier and can keep the down payment low. Through lendflo it runs from $10,000 to $500,000, with terms up to 84 months.

See in the glossary

What is working capital?

Working capital is the cash a business uses for day-to-day costs such as payroll, rent, inventory and supplier bills. A working capital loan bridges the gap between paying those costs and getting paid by customers. Through lendflo it is based mainly on recent revenue rather than collateral.

See in the glossary

Topic guide

Part of the guide: Financing by province and city

What applies in each province and in the largest cities.