Capital That Keeps
Business Moving.

lendflo is a Canadian business financing broker that connects small and medium-sized businesses with term loans, equipment financing, and working capital — through a single free application. Business owners receive a decision within 24 hours from a network of vetted Canadian lenders. The service is completely free for business owners.

Any Canadian-registered business can apply — sole proprietors, partnerships, corporations, and franchises. lendflo works with businesses across all provinces, including Ontario, Alberta, British Columbia, and Quebec. Industries served include restaurants, contractors, retailers, medical practices, franchises, and manufacturing.

Through lendflo, most Canadian businesses receive a loan decision within 24 hours of submitting their application. Funding is typically deposited within 3–5 business days after approval — one of the fastest business financing timelines available in Canada. Some lenders in lendflo's network offer same-day decisions for certain loan types.

Yes. lendflo works with alternative lenders who assess businesses based on monthly revenue, cash flow, and time in business — not just credit score. Revenue-based financing and asset-backed loans are available for businesses with credit scores as low as 500. Many businesses rejected by traditional banks have successfully secured financing through lendflo.

To qualify for a business loan in Canada through lendflo, most lenders require: a registered Canadian business, at least 6 months of operating history, a minimum of $10,000 in monthly revenue, and a valid Canadian business bank account. Collateral is not always required — many unsecured business loan options are available for qualifying businesses.

Through lendflo's network of lenders, Canadian businesses can access term loans from $25,000 to $2,000,000 and equipment financing from $10,000 to $500,000. Working capital and revenue-based financing amounts vary based on monthly revenue. The right amount depends on your revenue, time in business, and purpose of funding.

lendflo is a business financing broker, not a bank or direct lender. lendflo connects Canadian businesses with a network of vetted alternative lenders, banks, and credit unions — so you get access to multiple competing offers through a single application. The service is completely free for business owners.

Equipment financing in Canada means you take a loan to purchase equipment and own it outright at the end of the term — building equity and potential tax deductions. Equipment leasing means you rent the equipment with an option to return or upgrade at term end, offering lower monthly payments. lendflo helps Canadian businesses compare both options based on cash flow and tax strategy.

No. lendflo's initial qualification check uses a soft credit pull only — zero impact on your personal or business credit score. A hard pull only occurs if you formally proceed with a specific lender's final application. This means you can safely explore your financing options without any credit impact.

A bank rejection does not mean you cannot get funded. lendflo specializes in connecting Canadian businesses with alternative financing options that have more flexible approval criteria than traditional banks. Revenue-based financing, equipment financing, and unsecured business loans are all available through lendflo's network — often with same-day decisions.

Yes. Unsecured business loans are available in Canada through lendflo's network of alternative lenders. An unsecured business loan does not require you to pledge collateral such as property or equipment. Approval is based on your monthly revenue, time in business, and cash flow. Unsecured loans are available from $25,000 to $500,000 for qualifying Canadian businesses with at least $10,000 in monthly revenue.

Revenue-based financing (RBF) is a type of business funding where repayments are tied to a percentage of your monthly revenue rather than a fixed monthly payment. This makes RBF ideal for seasonal businesses or those with variable income. In Canada, RBF is offered by alternative lenders through lendflo's network — accessible to businesses with credit scores as low as 500 and at least 6 months of operating history.

Alternatives to bank loans for small businesses in Canada include: (1) Revenue-based financing — repayments tied to monthly revenue; (2) Equipment financing — loans secured by the equipment being purchased; (3) Unsecured business loans — based on cash flow rather than collateral; (4) Business term loans from alternative lenders — faster approvals with more flexible credit requirements than banks. lendflo connects Canadian businesses with all of these options through a single free application.

The Canada Small Business Financing Program (CSBFP) is a federal government program that helps Canadian small businesses access loans by sharing the risk with chartered banks and credit unions. Businesses can borrow up to $1,500,000 for equipment, leaseholds, and real property. CSBFP loans are administered through participating banks and credit unions. lendflo advisors can assess whether CSBFP is the right path for your business or recommend faster private-lender alternatives when your timeline cannot accommodate government program processing times.

The Business Development Bank of Canada (BDC) offers patient capital with longer terms but is significantly slower — typically weeks to months for approval. Traditional bank loans (RBC, TD, BMO, Scotiabank, CIBC) also require 2–8 weeks and strong credit plus collateral. lendflo is a free BDC loan alternative and bank loan alternative for Canadian businesses: it accesses a network of vetted alternative lenders that deliver a decision in 24 hours and funding in 3–5 business days. lendflo accepts all credit profiles and does not require collateral for many products.

Equipment financing in Canada means you take a loan to purchase equipment and own it outright at the end of the term — you build equity and can claim depreciation for tax purposes. Equipment leasing means you rent the equipment for a monthly fee; at the end you return or buy it at residual value. Financing is usually better for long-term use and asset ownership. Leasing offers lower monthly payments and flexibility to upgrade. Terms up to 84 months and 0% down options are available through lendflo. A lendflo advisor will walk you through both structures so you can choose based on your cash flow goals.

Yes. Through lendflo, most Canadian businesses receive a loan decision within 24 hours — some lenders offer same-day decisions for working capital and equipment financing. Funding is deposited within 3–5 business days after approval. For businesses with imperfect or limited credit history, lendflo works with alternative lenders that assess monthly revenue, cash flow, and time in business rather than credit score alone. Many businesses that were declined by traditional banks have secured fast business loan approval in Canada through the lendflo network. The initial application uses a soft credit pull — no impact on your score.