lendflo focuses on two core financing products designed to meet the most common capital needs of Canadian businesses — with speed, flexibility, and clear terms.
Financing at a glance
24-hour decisionsFree for business owners, no obligation.
lendflo arranges three kinds of business financing in Canada: term loans from $25,000 to $2,000,000, equipment financing from $10,000 to $500,000, and working capital based on your revenue. Applying is free, most products need no collateral, and a decision usually arrives within 24 hours.
Our products
Available financing range
$25K – $2M
Non-collateralized business term loans with fixed monthly payments and flexible repayment terms from 12 to 60 months. Ideal for expansion, hiring, inventory, or any one-time business investment.
Available financing range
$10K – $500K
Finance or lease the equipment your business needs to operate and grow. From commercial vehicles and restaurant equipment to manufacturing tools and technology — we make it affordable and fast.
Flexible funding sized to your monthly revenue, for payroll, inventory, rent and the other day-to-day costs of running the business.
How It Works
Complete a short application. No lengthy paperwork, no in-person appointments required.
A dedicated lendflo advisor reviews your file and identifies your best options.
You receive a clear offer with full terms. No surprises, no hidden fees.
Once approved, funds are deposited directly to your business account.
How lendflo compares
As a broker, lendflo submits your file to multiple lenders simultaneously. Here is how that compares to applying directly to a bank or a single alternative lender in Canada.
Direct alternative lenders referenced include Merchant Growth, OnDeck Canada, Driven Capital (formerly Thinking Capital), Journey Capital, and SharpShooter Funding.
| Feature | lendflo (Broker) | Traditional Bank | Direct Alt. Lender |
|---|---|---|---|
| Decision speed | 24 hours | 2–4 weeks | Varies |
| Number of lender offers | Multiple competing offers | One bank only | One lender only |
| Cost to business owner | Free | Application fees may apply | Free |
| Collateral required | Often not required | Usually required | Sometimes required |
| Minimum credit score | 500+ | 680+ typical | 550+ typical |
| Bilingual service (EN/FR) | Yes | Varies by bank | Rarely |
| All Canadian provinces | Yes | Yes | Select provinces |
| Online application | Yes, 5 minutes | Branch visits often needed | Yes |
| Revenue-based options | Yes | No | Some lenders |
| Free advisor included | Yes | No | No |
Basic qualification requirements
We’re here to simplify your business financing journey, so you can feel confident every step of the way.
Yes. lendflo works with alternative lenders in Canada that evaluate businesses based on monthly revenue and operating history rather than credit score alone. Business loans for bad credit in Canada are available for businesses with scores as low as 500. Revenue-based financing and unsecured business loans are specifically designed for businesses that may not meet traditional bank credit requirements.
Alternative business financing means lending from outside the traditional banks, such as fintech companies, private lenders and credit funds. Alternative lenders offer faster approvals (often quickly), more flexible credit requirements and online applications. Common products include revenue-based financing, merchant cash advances, unsecured loans and equipment financing.
To get a business loan in Ontario or any other Canadian province through lendflo:
A business term loan provides a lump sum repaid over a fixed schedule (6–60 months) — best for planned investments like equipment or expansion. Working capital financing covers day-to-day expenses (payroll, inventory, rent) with repayment often tied to monthly revenue. Term loans typically offer lower rates; working capital loans offer faster approval and greater flexibility.
lendflo is a broker that connects businesses with multiple lenders — unlike a bank that offers only its own products. lendflo provides fast decisions (banks take 2–4 weeks), offers unsecured options, serves all credit profiles from 500+, is free for business owners, and offers bilingual service across all Canadian provinces.
Through lendflo, Canadian businesses can choose from four main options:
All offer fast decisions and are free.
Still have questions?
No obligation, just answers.
Talk to a lendflo advisor. We will help you identify the right product for your goals — at no cost or obligation.
The main options, and what each one is for.
