Small business loans in Canada
There's no single "small business loan" — there are several financing options, each suited to a different need. Compare them below, then tell us your situation and we'll point you to the best fit.
Get matchedFinancing options for small businesses
Every option explained in plain English — including funding to launch, grow, buy equipment, pay suppliers, or develop property.
Merchant Cash Advance
Fast business cash — revenue-based funding with flexible daily or weekly repayment for businesses with steady sales.
Invoice Factoring
Turn unpaid invoices into immediate cash — also called invoice financing or accounts receivable financing — by advancing on your accounts receivable.
Equipment Financing
Asset-backed funding — also called machinery financing — to acquire machinery, vehicles, and equipment, using the asset itself as collateral.
Supply Chain Financing
Also known as a business loan to pay suppliers — financing that gives you the working capital to pay suppliers on time (or early) while managing your own cash flow.
CRA Debt Financing
Financing to pay off outstanding CRA tax debt — GST/HST, payroll, or corporate income tax — so you can stop interest and collection action.
FX Hedging
Currency-risk management for importers and exporters — better exchange rates than the bank, no admin fees, and protection for your margins against currency swings.
Startup Business Loans
Financing for startups and newer businesses — funding to launch, hire, and grow before you have years of history behind you.
Commercial Mortgage
Financing to buy, build, or refinance commercial property — including commercial construction mortgages for ground-up and development projects.
B2B Buyer Financing
Let your business customers pay over time — offer B2B buyers weekly instalments at checkout so you close bigger orders and get paid up front.
Business Acquisition Financing
Financing to buy an existing business or franchise — fund the purchase and take over on solid footing, without tying up all your own capital.
Common questions
What types of small business loans are available in Canada?
Common options include merchant cash advances (revenue-based funding), invoice factoring, equipment and machinery financing, supply chain / vendor financing, startup business loans, commercial mortgages, and CRA debt financing. The right one depends on what you need the money for and your business profile.
What is a business development loan?
It is a general term for financing used to grow a business — hiring, equipment, inventory, new locations, or working capital. Rather than one product, it usually maps to whichever facility above best fits your growth plan.
How do I choose the right one?
Start from the need: fast working capital (merchant cash advance), cash tied up in invoices (factoring), buying equipment (equipment financing), paying suppliers (supply chain financing), launching (startup loans), or property (commercial mortgage). Tell us your situation and we point you to the best fit.
Tell us what you need
Share a few details and we'll connect you with Mada Capital Funding. It's free, there's no obligation, and funding decisions are made by the lender.
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