Retail
Clothing boutiques, convenience stores, furniture shops
Non-Bank Business Financing
Working capital for growing businesses, without the bank runaround.
Capital Partner arranges flexible, asset-based financing for small and mid-sized businesses — approved on how your business actually performs, not just what a bank scorecard says.
Flexible, non-bank underwriting
Decisions in days, not months
No cookie-cutter terms
Industries We Serve
Built for the businesses banks find hard to categorize.
Every sector has its own cash-flow rhythm. We underwrite to yours — not a generic template.
Construction
General contractors, roofers, electricians
Auto Dealers & Repair
Used car dealers, auto body shops, tire shops
Coffee Shops & Cafés
Independent cafés, bakeries, juice bars
Restaurants & Hospitality
Restaurants, catering companies, food trucks
Trucking & Logistics
Owner-operators, freight carriers, courier services
Manufacturing
Machine shops, food processors, custom fabricators
Healthcare & Medical
Dental clinics, physiotherapy clinics, medical labs
Professional Services
Law firms, accounting firms, consulting practices
Salons & Spas
Hair salons, nail studios, day spas
Franchise & Multi-Unit
Quick-service franchises, retail chains, gyms
Wholesale & Distribution
Import/export distributors, parts suppliers
Our Solutions
Three ways to put working capital to work.
Structured around your cash flow, not a fixed product sheet.
Business Term Loans
Installment loan · lump sumYou borrow a fixed amount upfront and repay it in scheduled installments — principal and interest — over a set term, with the rate and payment set before you sign. Because approval leans on how the business performs rather than a single pledged asset, it suits a defined, one-time use: an expansion, a partner buyout, or bridging a seasonal gap.
- Funded as one lump sum, not a draw-down line
- Fixed payment for the life of the term
- Approved on cash flow and history, not one asset
- Terms generally run 12 to 60 months
Asset-Based Lines of Credit
Revolving credit · securedA line secured against specific assets — usually receivables and inventory — rather than the business as a whole. You're approved for a limit that moves with the value of those assets, draw against it as needed, and pay interest only on what's outstanding. It suits businesses with real assets on the books but uneven cash flow.
- Revolving — draw and repay repeatedly, up to your limit
- Secured against receivables and/or inventory
- Interest charged only on funds drawn
- Limit grows as your borrowing base grows
Equipment Financing
Secured installment loan · equipment-backedA secured loan or lease where the vehicle, machinery or build-out you're purchasing is itself the collateral — which is what lets these deals move faster and often price better than an unsecured loan. Payments are fixed and the term generally matches the equipment's useful life.
- Secured by the equipment itself, not other assets
- Fixed payments, term matched to equipment life
- Loan or lease-to-own structures available
- Keeps other credit lines free for working capital
Before You Apply
What each product expects from your business.
The qualifications, and how each one stacks up against the obvious alternative.
Business Term Loans
Who Qualifies
Most applicants clear these before we even talk structure and rate.
- Canadian-registered business
- Minimum 6 months to 1 year of operating history
- Consistent monthly revenue
- Active Canadian business bank account
- Basic financial documentation
- Minimum credit score of 500
Term Loans vs. Traditional Bank Financing
Why businesses look past the bank
A bank isn't wrong for every business — it's just built around a narrower set of them.
| Feature | Capital Partner | Traditional Bank |
|---|---|---|
| Approval speed | Days, not weeks | Often weeks to months |
| Application | Streamlined, mostly online | Extensive paperwork, branch visits |
| Collateral | Not always required | Usually required |
| Structure | Built around your cash flow | Fixed, one-size-fits-all terms |
| Funding | Fast once approved | Slower disbursement |
A bank may still offer the lowest rate on paper if your business fits its box. We're usually the better fit when speed, flexibility or approval odds matter more than shaving a point off the rate.
Asset-Based Lines of Credit
What You'll Typically Need
Because the line is secured by your assets, approval leans on documentation more than a term loan does.
- Canadian-registered business with receivables and/or inventory on the books
- Aging accounts receivable reports (and inventory reports, where applicable)
- Minimum 6 to 12 months of operating history
- Regular financial statements — monthly or quarterly
- Active Canadian business bank account
- A borrowing base you're able to report on as it moves
How It Works
Revolving credit, secured by what you already own
Instead of underwriting the business as a whole, we lend against a borrowing base calculated from your receivables and, where relevant, inventory — commonly a percentage of eligible AR plus a smaller advance rate against inventory. As those balances move, so does your available credit.
- Cash is tied up in invoices customers haven't paid yet
- Revenue is seasonal and inventory needs carrying through the slow months
- You want financing that scales with the business instead of a fixed loan amount
Equipment Financing
What You'll Typically Need
Because the equipment itself is the collateral, approval is usually faster than an unsecured loan.
- Canadian-registered business
- A signed quote or invoice for the equipment being purchased
- Minimum 6 months to 1 year of operating history
- Basic financial documentation
- Active Canadian business bank account
- The equipment as collateral — new or used, within typical age limits
How It Works
A loan secured by the asset you're buying
The vehicle, machine or build-out you're financing secures the loan itself, so there's no second asset to pledge. Payments are fixed and the term is generally matched to the equipment's useful life — shorter-lived assets get shorter terms, heavy equipment can stretch longer.
- You need a specific, identifiable piece of equipment — not general working capital
- You'd rather preserve your line of credit for day-to-day cash flow
- The equipment itself has resale value that supports the loan
Get Financed
Tell us about your business. We'll tell you what's possible.
No cost, no obligation, and no impact to your credit to have the conversation.
1
Tell us the basics
A few details on your business and what the capital is for.
2
We match a structure
Term loan, credit line or equipment financing — whichever fits your cash flow.
3
Funds when you need them
Decisions in days, funding fast once terms are agreed.
Rather talk it through first?
Pick a time that works for you and I'll call to go over your business and what you're looking for.
Book an AppointmentThanks, your application is in.
I'll review what you sent and get back to you by your preferred contact method, usually within one business day.
Want to talk sooner? Pick a time that suits you.