"The bank wanted collateral and weeks of back-and-forth. lendflo got us term loan options fast enough to buy inventory before our busy season."
Maya R.
Retail owner
Term loans for Canadian businesses
Business term loans $25K-$2M
Non-collateralized term loans with fixed payments and flexible repayment terms from 12 to 60 months. Get the capital your business needs with clear terms and a fast decision.
Non-collateralized options for qualifying businessesFixed payments with terms from 12 to 60 monthsAll credit profiles reviewed by real advisors
$25K-$2M
Loan range
24-48 hrs
Decision time
3-5 days
Funding speed
Not required
Collateral
Just reviewed
$180K
Working capital request
Decision
24-48h
Typical response
$25K+
Loan size
6 mo.
Min. time
$10K
Revenue/mo.
$25K-$2M
Capital sized around revenue, use case, and cash flow.
24-48 hr decisions
No 90-day bank maze. Get a fast yes, no, or next step.
No collateral required
Most qualifying files are reviewed without asset pledges.
500+ businesses
Canadian operators have used lendflo capital to grow.
Advisor led
A dedicated specialist explains every offer before you sign.
3-5 day funding
Approved files can receive funds in as few as 3 to 5 business days after signing.
SSL Secured Application Canadian Financing Broker Dedicated Advisor Assigned 24–48 hr Decision
Term loan application
Get matched to business loan options without the bank wait.
Over 500 Canadian businesses have grown with lendflo capital. From coast to coast, we fund businesses banks say no to.
6+ months in business
$10,000+ monthly revenue
All credit profiles welcome
No collateral required
Canadian business registration
Old way vs lendflo
Stop forcing a bank process onto a growth opportunity
A term loan should be clear, fast, and structured around how your business actually operates.
The bank bottleneck
Waiting weeks for a bank committee while payroll, inventory, or expansion deadlines keep moving.
Being forced into collateral requirements even when revenue supports the loan.
Getting declined because one credit metric does not fit the bank box.
Using cards or merchant cash advances without a clear fixed-payment plan.
Trying to compare rates, terms, fees, and repayment schedules alone.
Delaying growth because the funding process feels too slow and opaque.
The lendflo way
Apply in minutes and get a fast decision from lenders built for small business speed.
Access unsecured term loan options for most qualifying companies.
Use revenue, time in business, and business performance to tell the full story.
Choose predictable payments that make cash flow planning easier.
Have a lendflo advisor walk through the true cost before you commit.
Put capital to work for expansion, inventory, equipment, CRA payments, or working capital.
Real results
Canadian business owners use lendflo when timing matters
Fast capital, clear terms, and a human advisor make the difference when the bank process is too slow.
"We needed cash flow for a new contract. The advisor explained the payments clearly and helped us avoid a messy short-term product."
Daniel K.
Construction services
"The application was simple, and we had a real person walking us through the offer. No surprises, which mattered most."
Alicia P.
Healthcare clinic
"Our credit was not perfect, but revenue was strong. lendflo helped tell the full story and got us a workable structure."
Samir T.
Logistics operator
"We used the funds for renovation and staffing. Fixed payments made it easy to plan around seasonal cash flow."
Jenna L.
Hospitality group
"Clear terms, quick response, and no pressure. It felt built for business owners who are already busy."
Noah B.
Professional services
Ready to join 500+ Canadian businesses that got funded?
Why choose lendflo
Term loans designed around real business operations
From cash flow to repayment structure, every part of the process is built to help owners move with confidence.
01
No Collateral Required
We assess business performance, revenue history, and overall profile, not just personal or business assets.
02
Fast Decisions
Most applications receive a decision within 24 to 48 business hours and can fund within the week.
03
Fixed, Predictable Payments
Know what you owe each period, so budgeting and cash flow planning stay straightforward.
04
Flexible Use of Funds
Use capital where it matters most: expansion, inventory, equipment, hiring, tax payments, or marketing.
05
All Credit Profiles Welcome
Prior bank declines do not automatically disqualify you. We work across the credit spectrum.
06
Transparent Terms
Your advisor explains rates, fees, repayment schedule, and prepayment terms before anything is signed.
07
Dedicated Advisor
One person helps structure your application, compare options, and keep your file moving.
08
Canadian Business Focus
lendflo is built for Canadian small businesses across retail, trades, services, healthcare, logistics, and more.
09
Designed for Real Timelines
When growth windows open, the financing process should move at the pace of the opportunity.
Use of funds
Common ways businesses use term loans
Flexible capital you can apply where it matters most.
01
Business Expansion
Open a new location, add staff, or increase capacity to meet demand.
02
Inventory Purchase
Stock up for a busy season or negotiate better supplier pricing.
03
Equipment & Technology
Upgrade tools, software, delivery capacity, or operating systems.
04
Working Capital
Bridge the gap between payables, payroll, receivables, and seasonal cycles.
05
CRA Payments
Handle tax balances without freezing day-to-day operations.
06
Marketing & Growth
Invest in campaigns, new markets, branding, and revenue-driving initiatives.
Simple process
From application to funded in six steps
01
Apply Online
Share basic business details, revenue range, funding need, and contact information in minutes.
02
Advisor Review
A lendflo advisor reviews your file, clarifies goals, and confirms the strongest funding path.
03
Document Check
Provide recent bank statements and any details needed to verify revenue and fit.
04
Offer Match
We compare available lender options and walk you through repayment, term, fees, and conditions.
05
Sign Securely
Choose the structure that fits your cash flow and complete documents online.
06
Funds Deposited
Approved borrowers can receive funds in as little as 3 to 5 business days after signing.
Loan options
Term loan structures for different growth stages
Pick the route that feels closest to your business goal. Your advisor will confirm the actual options available after review.
Growth Term Loan
$25K-$250K
12-36 months
- Expansion
- Hiring
- Marketing
- Working capital
Popular
Core Business Term Loan
$100K-$500K
12-60 months
- Fixed payments
- No collateral for most files
- Fast decision
- Advisor support
Large Capital Term Loan
$500K-$2M
Custom terms
- Larger projects
- Multi-location growth
- Revenue-based review
- Structured repayment
Estimate a term loan payment
Illustrative only. Your actual offer depends on lender review.
Estimated monthly payment
$5,274
3-5 day funding
After approval and signing
No collateral
For most qualifying files
All credit profiles
Bank decline does not end the story
Dedicated advisor
Human guidance from start to finish
Low friction
Built to reduce risk before you sign
01
Free to Apply
Start without obligation. Review options before choosing whether to proceed.
02
Full Cost Review
Rates, fees, repayment schedule, and conditions are explained before signing.
03
Advisor Access
Talk to a real specialist who understands Canadian small business funding.
04
No Collateral for Most
Most qualifying term loan applications do not require pledged assets.
Our commitments
A clearer way to compare business financing
01
Fast Response Commitment
A complete application is reviewed quickly so you are not left guessing.
02
Transparent Offer Review
Your advisor walks through pricing and repayment in plain language.
03
Use-Case Fit
We match capital to your actual business goal, not a generic product box.
04
Cash Flow Lens
Repayment structure is considered against revenue cycles and operating needs.
05
Industry-Aware Review
Retail, trades, clinics, logistics, hospitality, and service firms are all welcome.
06
Human Guidance
You get real explanations, not a black-box application funnel.
Common questions
Everything to know before you apply
Clear answers about eligibility, funding speed, repayment, credit, and use of funds.
FAQ - 12 answers
No. lendflo term loans are non-collateralized for most qualifying businesses. We evaluate business performance, revenue history, and credit profile rather than requiring personal or business assets in most cases.
Most approved borrowers receive a decision within 24 to 48 business hours and have funds deposited within 3 to 5 business days after signing.
Generally, businesses operating for at least 6 months with monthly revenues of $10,000 or more can apply. We work with all credit profiles.
Term loan amounts through lendflo range from $25,000 to $2,000,000. The amount you qualify for depends on revenue, time in business, credit profile, and use of funds.
Term lengths can range from 12 to 60 months, with fixed repayment schedules matched to your business profile and lender offer.
Yes. Many lendflo clients were declined by traditional banks. We assess applications differently and can often find options that banks cannot provide.
An initial inquiry is typically a soft pull and should not impact your score. A hard pull may occur if you proceed with a full lender application.
Yes. Debt consolidation is a common use case. Combining obligations into one term loan can simplify payments and help with planning.
lendflo works with construction, retail, healthcare, hospitality, professional services, transportation, trades, and many other legitimate Canadian businesses.
No. The online application takes about 5 minutes. You will need basic business details, recent bank statements, and contact information. A dedicated advisor handles the rest.
This depends on the specific lender and term. Your advisor will walk through prepayment rules clearly before you sign anything.
Some lending partners do report. Successfully repaying a term loan may help build your business credit profile over time.
Ready to apply?
Start your term loan application in minutes.
A lendflo advisor will review your file and reach out within one business day. Use the capital for growth, inventory, working capital, equipment, CRA payments, marketing, or debt consolidation.
(416) 299-6096
Prefer to talk? Call and speak with an advisor.
Important disclosure: lendflo is a financing broker, not a direct lender. All financing is subject to eligibility, lender approval, verification, and final documentation. Funding timelines are estimates and depend on applicant responsiveness, required documents, underwriting, and lender conditions. This page is for informational purposes only and does not constitute a financing offer.