Flexible funding for Canadian businesses earning $35,000+ per month
Approvals in as little as 24 hours.
All provinces. All industries. No endless paperwork.
Grow Without the Wait
You’ve built something from the ground up — a business that’s generating steady revenue, serving real customers, and ready to grow. But growth requires capital. Maybe you need new equipment, extra inventory, a marketing boost, or a cushion to manage seasonal cash flow.
You go to the bank. They ask for three years of tax returns, personal collateral, and credit reports. Then they tell you it’ll take weeks — maybe months to get a decision.
By the time they say maybe, your opportunity has passed.
That’s where MicroCapital changes the game.
We’re a Canadian business lender built for entrepreneurs who can’t afford to wait — owners who want decisions, not delays.
Why Thousands of Businesses Choose MicroCapital
1️⃣ Fast Funding — Approvals in 24 Hours
You can apply online in minutes. MicroCapital’s streamlined process reviews your application quickly and deposits funds directly into your account, often within one business day.
No waiting on committee meetings or banker schedules. You apply, you get approved, and you move forward.
2️⃣ Flexible Terms — Loans, Credit, or Sales-Based Repayment
Every business is different. That’s why MicroCapital offers multiple funding options:
- Term loans up to $800,000 CAD with predictable fixed payments
- Lines of credit up to $125,000 CAD to use as needed
- Flexible “Fonds Flex” funding, where repayment automatically adjusts to your sales volume
That flexibility means your repayment works with your cash flow — not against it.
3️⃣ Transparent and Human
You’ll never deal with hidden fees or surprise charges. MicroCapital assigns real people to help you understand your options, explain terms clearly, and make funding easy to manage.
It’s finance that actually feels human.
4️⃣ Open to All Provinces and Industries
From retail shops in Vancouver to logistics firms in Halifax, MicroCapital serves businesses across Canada, in every province, every major city, and every industry.
Who Qualifies — and Who Thrives
While MicroCapital helps a wide range of small businesses, the top-performing clients — those who receive the best offers, fastest approvals, and most sustainable repayment terms — tend to have these things in common:
✅ 12+ months in operation — a proven track record and operational stability
✅ $35,000+ in monthly revenue — consistent income and growth potential
✅ Operating anywhere in Canada — coast-to-coast coverage
✅ Clear purpose for funding — whether expansion, renovation, or working capital
If this sounds like you, you’re already in the “sweet spot” for approval.
What You Can Use the Funds For
Businesses use MicroCapital’s financing for every kind of growth opportunity:
- 🚀 Expanding operations or opening a new location
- 💼 Hiring more staff or contractors
- 📦 Purchasing new inventory or materials
- 📢 Launching marketing campaigns or improving digital presence
- 🧾 Managing cash flow or paying suppliers faster
- 🏗️ Upgrading equipment or vehicles
There are no restrictions on how you grow — the money is yours to move your business forward.
The Application Process Is Simple
- Apply Online in Minutes
Fill out a short form at MicroCapital.ca. You’ll need basic business information and recent financials. - Get a Fast Decision
Your application is reviewed by real underwriters — not algorithms — so you can often receive a decision within 24 hours. - Receive Your Funds
Once approved, your money is deposited directly into your business bank account. - Grow Your Business
Use your funding immediately and repay it through fixed or flexible terms that suit your cash flow. - It’s that simple — no bank branches, no waiting, no red tape.
Why 12+ Months and $35K+ Monthly Revenue Matter
MicroCapital is designed for real businesses with momentum — not startups still testing the waters.
If your company has been around for a year or more and generates steady revenue, lenders can see your stability, your customer base, and your growth potential.
That’s why businesses earning over $35,000/month tend to receive faster approvals, larger funding limits, and better repayment options. It’s about showing that your business isn’t just running — it’s thriving.
A Partner for Canadian Entrepreneurs
MicroCapital has become one of Canada’s trusted names in alternative business financing because they understand what entrepreneurs face every day — fluctuating sales, seasonal demand, supply costs, and the constant need for working capital.
Instead of saying no because your business doesn’t fit a perfect mold, MicroCapital finds a way to say yes.
That’s what makes it different from traditional banks or impersonal online lenders. You’ll work with real people who understand your business goals and want to help you succeed.
Built for Growth — Not Bureaucracy
When you’re running a business, time is everything. Whether it’s a limited-time supplier deal, a new marketing opportunity, or an urgent equipment need, delays cost money.
MicroCapital’s mission is simple: put working capital in the hands of Canadian entrepreneurs faster than anyone else.
With clear terms, nationwide service, and responsive support, you can finally focus on growth — not paperwork.
Don’t Let Opportunity Wait
If your business is generating steady cash flow and has been operating for at least a year, you’re exactly who MicroCapital is built for.
Stop losing time dealing with banks and slow approvals. The capital you need to grow could be in your account tomorrow.
You’ve worked hard to build something that lasts — don’t let lack of capital hold you back.
With MicroCapital, getting a small business loan in Canada is faster, simpler, and built for real entrepreneurs like you.
✅ Fast. Flexible. Canadian.
That’s MicroCapital.
👉 Apply now at MicroCapital.ca
Read more about loans available to Canadians