Thinking Capital Is One Lender. lendflo Gives You Access to 50+.
Thinking Capital is one of Canada's largest alternative lenders — and one of our partners. But applying directly to them gives you one offer. Through lendflo, you compare 50+ lenders and choose the best terms. Same eligibility. Best possible offer.
Let's Be Transparent
Thinking Capital is a legitimate, well-established company. They finance thousands of Canadian SMBs each year and have a strong track record. Our advantage isn't that Thinking Capital is bad — it's that we give you access to 50+ quality lenders simultaneously, letting you choose the best offer rather than just one.
Why Go Through lendflo
50+ Lenders Instead of One
Thinking Capital is an excellent lender. But it's ONE lender with ONE rate schedule. lendflo submits your profile to 50+ lenders and presents you with the best available offers.
Competitive Rates Through Competition
When 50+ lenders compete for your file, rates tend to go down. A single lender has no reason to offer you their best rate — multiple lenders do.
Same Speed, More Options
lendflo and Thinking Capital offer similar timelines — fast decisions. The difference is that lendflo gives you access to multiple offers within that same timeframe.
Free Service for You
lendflo is compensated by lenders, not by you. You don't pay more to access more options — this is the standard broker model in Canada.
lendflo vs Thinking Capital — Comparison
Frequently Asked Questions
We’re here to simplify your business financing journey, so you can feel confident every step of the way.
Thinking Capital is one of Canada's largest alternative lenders, offering business loans and merchant cash advances. lendflo is a broker — we're not a lender but your access to 50+ lenders, of which Thinking Capital is one. By going through lendflo, you compare Thinking Capital with 50+ other options.
If you apply directly to Thinking Capital, you get one offer. Through lendflo, your profile is submitted to 50+ lenders simultaneously — you receive the best offer available on the market for your specific situation.
Yes, and often more. Thinking Capital typically requires 6 months in business, minimum $10K/month revenue, and a 550+ credit score. lendflo has access to lenders with similar or more flexible criteria.
Thinking Capital typically ranges from 15–30% depending on the profile. Through lendflo, some of our 50+ partners offer more competitive rates for similar profiles. Comparing is the best way to know — and it's free.
Both offer similar timelines: fast decision, funds quickly. The difference is that lendflo presents you with the best offers from multiple lenders within that same timeframe.
No. lendflo is 100% free for entrepreneurs. We earn a commission from the selected lender. You never pay more than if you had applied directly.
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Questions to ask any lender or broker before you sign
The same six questions work for a bank, an online lender or a broker.
- How are you paid? — and will I ever pay a fee?
- What is the total I will repay? — not just the interest rate.
- What happens if I repay early? — is there a charge?
- Do I need collateral or a personal guarantee? — read the offer for the clause.
- How soon will funds arrive? — after approval and signing.
- Who will I deal with afterwards? — the lender or the broker.
People also ask
lendflo is a broker, not a lender: it compares offers from several lenders for you and is paid by the lenders, not by you. BDC and banks lend their own money under their own criteria. Compare timelines and total cost on each lender’s own page.
The Business Development Bank of Canada (BDC) is a federal Crown corporation that lends to and advises Canadian entrepreneurs; it is not a chartered bank. Approval times depend on the product, so check bdc.ca for current details. lendflo is a broker, not a lender, and can show you other offers to compare.
A business loan broker does not lend its own money. It compares offers from several lenders for you and is usually paid by the lender when a loan funds. lendflo works this way: free for business owners, paid by lenders. Ask any broker how it is paid, and compare total repayment.
No. lendflo is free for business owners; it is paid by the lender when a loan funds. Whoever arranges a loan, always compare the total amount you will repay on each offer, not only the interest rate.
Terms explained
What is an alternative lender?
An alternative lender is a non-bank company that provides business financing, such as an online lender or a private lender. Alternative lenders typically decide faster and use broader criteria than banks, often looking at revenue and cash flow as well as credit, in exchange for a higher cost.
See in the glossaryWhat is a business loan broker?
A business loan broker is an intermediary that compares offers from several lenders for a business instead of lending its own money. It is usually paid by the lender when a loan funds. lendflo is a broker: it is free for business owners and paid by lenders.
See in the glossaryWhat is the total cost of borrowing?
The total cost of borrowing is everything you pay on top of the amount you borrow, including interest and fees. The annual percentage rate (APR) expresses that cost as a yearly percentage so offers can be compared. Always compare the total amount repaid, not only the interest rate.
See in the glossaryTopic guide
Part of the guide: Government programs and lender alternatives
BDC, the Canada Small Business Financing Program, banks and other lenders — and how a broker compares them.