We purchase a portion of your future receivables and advance up to $800,000 — funds are available in as little as 3 hours. It’s not a loan. No interest, no collateral, no broker fees.
How much of tomorrow’s sales would you like to turn into working capital today?
Here’s how it works: we buy an agreed portion of your future receivables at a fixed price, and you get the cash up front. No loans, no interest, no collateral — just a straightforward purchase, deposited straight to your business account.
New to receivables funding? We’ll purchase up to $500,000 of your future sales and get the cash to you — often in under 24 hours. No collateral, no hoops, no waiting on a bank.
Learn more →Running an established business? We can purchase up to $800,000 of future receivables — one of the highest amounts in Canada — so you can expand, buy inventory, or jump on an opportunity without touching your assets.
Learn more →Already funded with us? When your needs grow, we can purchase up to $250,000 more of your receivables — no new paperwork mountain, no fuss. Most top-ups land within a day.
Learn more →Purchase amounts depend on your sales volume, business profile, and province. Every offer is spelled out in plain language before you sign anything.
We buy your future receivables at one fixed, agreed price. There’s no interest ticking, no compounding, and no loan sitting on your books.
NOT A LOANYou deal with us directly. No broker fees, no markups, no surprises buried in page nine — the offer you see is the deal you get.
DIRECTYour receivables tell the real story. We weigh your revenue, cash flow, and momentum — the overall health of your business — instead of judging you by a credit number alone.
FAIRYour dedicated funding advisor sticks with you from first advance to your tenth. Questions at 9pm on a Sunday? Someone picks up.
24 / 7Factoring has been quietly funding businesses for decades — it just doesn’t get the airtime loans do, so a few myths hang around. The idea is simple: your future sales are an asset. We buy a portion of that asset at a fixed price and hand you the cash today, instead of you waiting months to collect it yourself. You’re not taking on debt — you’re selling something you already own.
Customers taking 30, 60, 90 days to pay? Turn what they owe you into working capital now.
Payroll, rent, suppliers — the bills that arrive on schedule even when payments don’t.
Stock up on inventory in bulk when the season — or a supplier deal — comes around.
Equipment, renovations, a marketing push — investments with a clear return shouldn’t wait for financing.
One more thing worth knowing: because we’re buying your receivables, we care most about the health of your sales — not just a credit score, collateral, or your history with banks. And if an advance genuinely isn’t the right fit for you, we’ll say so. More questions answered below, or call us and ask a human.
When it’s urgent, the whole thing can happen in as little as three hours.
Tell us about your business and share a few recent bank statements. That’s genuinely it — no branch visits, no binders.
~ 5 minutesA funding advisor reviews your sales and puts a plain-language offer in front of you: how much we’ll purchase, the fixed price, and what lands in your account today.
Same dayAccept, and the funds go straight into your business account — in as little as 3 hours when it’s urgent.
As fast as 3 hoursA small, fixed percentage of your sales goes toward the purchased amount — automatically. Slow week? Your remittance shrinks right along with it.
Flexes with salesYour first advance shouldn’t feel like an interrogation. We purchase a slice of your future sales, you get the capital now, and a dedicated advisor walks you through every line before you commit. No collateral, no broker fees, no debt.
Most of our clients come back for a second and third advance — and it gets easier every time. As your sales grow, so does the amount we can purchase. Your advisor already knows your business; a top-up is usually a phone call.
"They bought a portion of our next season’s sales and the money was in our account the same day. Nobody talked down to us, nobody buried anything in fine print."
"What sold me is that remittances follow our sales. February is dead for us — and our payments just eased off with it. A loan would never do that."
"We’ve done three advances as we’ve grown. Each one was faster than the last, and our advisor flagged the numbers we should watch before we signed. That’s rare."
We’re a Canadian funding company that’s been helping small businesses grow. Here’s the important part: we don’t lend money or issue loans. We purchase a portion of your future receivables at a fixed, agreed price and advance you the funds today — so you get working capital without taking on debt.
Speed, size, and straight talk. Advances can land in as little as three hours when it’s urgent, we purchase up to $800,000 of future receivables — among the highest amounts in Canada — and every offer is explained in plain language by a real person before you sign.
No — and that’s the whole point. A loan puts debt on your books and charges interest until it’s gone. What we do is different: we buy an agreed amount of your future receivables at a fixed price. You know the full cost on day one, it never grows, and there’s no interest — ever.
A small, fixed percentage of your daily or weekly sales goes toward the purchased amount, automatically. Because it’s a percentage — not a fixed monthly payment — it breathes with your business: busy month, you remit a little more; quiet month, a little less.
Three, depending on where you’re at: Express Solution for a first advance (up to $500K), Flexible Funding for established businesses ($5K–$800K), and Additional Funding to top up an existing advance (up to $250K). All three work the same way — we purchase future receivables, you get the cash up front.
Anything your business needs — it’s your money. Clients typically use their advance for inventory, payroll, equipment, renovations, marketing, or smoothing out a cash flow gap while they wait on slower-paying customers.
No. Your future receivables are what we’re purchasing, so there’s nothing else to pledge — no equipment, no property, no personal assets on the line, at any amount.
Never. You work with us directly, so there are no broker fees and no middleman markups. The price we agree on is the full cost — there’s nothing else to find later.
Turn tomorrow’s sales into today’s working capital — up to $500,000 for your first advance, and up to $800,000 for growing businesses. No loans. No interest. No collateral.
Questions about an advance, your account, or anything else — send us a note and we’ll get back to you within one business day.
Thanks — someone from our team will get back to you within one business day. If it’s urgent, call 888-944-6674.
For Independent Sales Organizations, wholesalers, payment processors, and equipment leasers. Tell us about your organization and our partnerships team will set you up on the partner portal.
Thanks — our partnerships team will reach out within one business day to get you set up on the partner portal.
This Privacy Policy pertains to the website www.canacap.ca (“Website”), which is owned and managed by Canacap or one of its affiliates or subsidiaries (referred to collectively as “CCP,” “we,” or “us”). The Website provides access to our working capital solutions and related services (“Services”). This policy outlines how CCP collects, uses, and manages the personal information you share with us — either directly, through third parties, or automatically — when using our Website or mobile application (“Mobile App”).
It also explains your options regarding how we use your personal data and the ways in which you can review and update your information. For the purposes of this Privacy Policy, “Personal Information” refers to any data that can be used to identify you personally.
By agreeing to these Terms & Conditions, the Merchant and its owner(s) certify that all information and documents provided in connection with this application are accurate, complete, and truthful. Furthermore, the owner(s) expressly authorize Canacap and its agents, partners, and affiliates to obtain and use business and personal credit reports from credit reporting agencies, as well as any other relevant information concerning the Merchant and its owner(s) from third parties. This authorization applies both during the initial funding application process and at any time thereafter while the Merchant maintains a business relationship with Canacap.
All collection, use, disclosure, and retention of personal information will be handled in accordance with Canacap’s Privacy Policy.
We may collect the following types of information from you:
In addition to gathering information through our Website and Mobile App, we may collect data during in-person visits and from external sources used by our funding partners to review applications and manage transactions. These sources can include credit reporting agencies, third-party providers, and social media platforms. Once you become a customer, we may request further information — for example, if you apply to renew your funding or when necessary to continue delivering our services.
We use the information we collect for the following purposes:
Canacap will share your Personal Information with third parties only in the ways that are described in this Privacy Policy and as required by law. We do not sell your Personal Information to third parties.
We will provide your Personal Information, which may include application information, to our trusted business partners, third-party funders of Canacap products, service providers, and subsidiaries and affiliates to provide financing and/or to provide services to help us with our business activities, such as offering customer service, processing credit checks or secure data storage, and other similar services. These companies are authorized to use your Personal Information only as necessary to provide these types of services to us.
We may share your basic information (name, company name, phone number, email address and requested funding amount) with one of our business partners to market their services to you. If you do not want us to share your Personal Information in these circumstances, please contact us to opt out by email at info@canacap.ca or by postal mail at the contact information listed below.
We may also share General Information for the same reasons as we provide Personal Information and for business partners and others to conduct analyses and research and track marketing performance or as otherwise provided in the Tracking Technologies section herein. Some of our pages utilize framing or white-labeling techniques to serve content from our partners while preserving the look and feel of our Website. Please be aware that in these instances you are providing your Personal Information to these third parties and not to Canacap.
We may also disclose your Personal Information:
If your Personal Information changes or you no longer wish to use our Service, you may request to correct, update, modify, delete, or remove it (subject to Canacap’s discretion and legal requirements). You can also ask for removal of your information from any public forum or testimonial on our Website, or request to deactivate it by contacting our Customer Support via email at info@canacap.ca or by contacting us by postal mail at the contact information listed below. We will respond to your request within 15 days.
Please note that while you have the right to request deletion or removal of your Personal Information, Canacap evaluates each request individually and will comply when required by law or when it considers it reasonable to do so.
We will keep your information as long as your account remains active or as necessary for legitimate business purposes. Additionally, we may retain and use your data as needed to fulfill legal obligations, resolve disputes, and enforce our agreements.
Canacap and our business partners may contact you to offer you products and services that may be of interest to you. Out of respect for your privacy, you may choose to stop receiving our newsletter or marketing emails, telephone solicitations or other forms of contact from Canacap and our trusted business partners by following the unsubscribe instructions included in these emails, accessing the email preferences in your account settings page or by contacting us by email at info@canacap.ca or by postal mail at the contact information listed below.
Canacap and our partners (for example, our marketing partners), affiliates, or analytics or service providers, including our live chat, marketing trackers, and survey tool service providers use cookies or similar technologies. These technologies are used in analyzing trends, administering the Website, tracking users’ movements around the Website and to gather demographic information about our user base as a whole. We may receive reports based on the use of these technologies by these companies on an individual as well as aggregated basis. A cookie is a small text file that is stored on a user’s computer for record-keeping purposes. We use cookies for user authentication and analytics. Users can control the use of cookies at the individual browser level. If you reject cookies, you may still use our Website, but your ability to use some features or areas of our Website may be limited. If you would like to learn more about cookies or how to configure your browser, please visit www.allaboutcookies.org. In addition to the identified purposes described in this Privacy Policy, we may use information obtained from our website and share it with other organizations to measure the use of our website and to improve functionality and content. Canacap and our third-party service providers may also use cookies and invisible web beacons to deliver internet-based advertisements that are relevant and targeted to the visitors of our websites.
Like many websites, we automatically collect certain information and store it in log files. This data may include your Internet Protocol (IP) address, browser type, Internet Service Provider (ISP), referring and exit pages, operating system, date and time stamps, and clickstream activity. We may combine this automatically collected information with other data we gather about you to help enhance our services, improve Website performance, support marketing efforts, and conduct analytics.
At Canacap, we prioritize the protection of your personal information. All data transmitted to us is secured using 128-bit encryption via the Transport Layer Security (TLS) protocol, which establishes a secure, encrypted connection between your browser and our servers. This ensures that sensitive information — such as bank account numbers — entered on our forms is securely encrypted during transmission. If you have any questions or concerns about how your personal data is safeguarded, feel free to contact us at info@canacap.ca. When you grant Canacap permission to access your banking information electronically, it is done on a read-only basis. We do not have the ability to alter, modify, or manipulate your bank account details in any way. Additionally, Canacap employees are not able to view your banking usernames or passwords.
Our Website may contain links to external websites that operate under different privacy practices than those of CCP. If you choose to provide personal information on those sites, it will be subject to their respective privacy policies. We recommend that you review the privacy policy of any external site you visit.
The Website includes publicly available blogs and community forums. Please note that any personal information you share in these areas may be viewed, collected, or used by others. To request the removal of your Personal Information from our blog or forum, contact us via email at info@canacap.ca or by mailing us at the address provided below. In certain cases, we may be unable to remove your information, and we will inform you if that is the case and explain why.
We feature customer testimonials and endorsements on our Website. With your permission, we may display your testimonial along with your name. If you wish to edit or remove your testimonial, please contact us by email at info@canacap.ca or by postal mail using the contact details listed below.
From time to time, we may revise this Privacy Policy to reflect changes in our data handling practices. If significant updates are made, we will notify you through email or by posting a notice on our Website before the changes take effect. We suggest checking this page periodically to stay informed about our current privacy practices.
General Inquiries:
Email: info@canacap.ca
Mail: Canacap, ATTN: Marketing
5101 Buchan Suite 210, Montreal, QC, H4P 1S4
To opt out of marketing communications:
Email: info@canacap.ca
Mail: Canacap, ATTN: Marketing Opt-Out
5101 Buchan Suite 210, Montreal, QC, H4P 1S4
Partnering with CanaCap gives your clients fast, reliable access to flexible business capital — backed by a team that values clarity, speed, and relationships. We keep funding simple and transparent, so you can focus on what matters most: supporting your clients’ growth.
We collaborate with professionals who believe small business owners deserve clear, responsible access to funding. Whether you manage the deal or refer the opportunity, our team delivers speed, transparency, and hands-on support — every step of the way.
You’re an Independent Sales Organization, wholesaler, payment processing company, or equipment leaser interested in providing working capital solutions to your customers. As part of this program, you manage the application and funding process directly with the business owner through an online partner portal.
You work with small business owners on a regular basis and want to refer those in need of funding. Connect your current and future clients to our services — and we handle the rest.
You’re an internet publisher interested in sending qualified traffic to our website to create new revenue streams. If you have a website, blog, or another online platform, earn money by referring visitors to our working capital solutions.
Tell us how you work with business owners and we’ll point you to the right program.
You work with business owners every day — accountants, consultants, advisors. Refer clients who need funding, we handle everything from there, and you get paid for the introduction.
Thanks — our partnerships team will reach out within one business day to walk you through the referral program.
Run a website, blog, newsletter, or channel that reaches business owners? Send qualified traffic our way and earn revenue on every visitor who becomes a client.
Thanks — our partnerships team will review your platform and reach out within one business day with your affiliate details.
Tell us a bit about your business and we’ll put a purchase offer together — often within hours. This is a purchase of future receivables, not a loan. No obligation, and applying won’t affect your credit score.
Thanks — a CanaCap funding specialist will contact you within one business day. For urgent needs, call 888-944-6674.
Your first advance, minus the headache. We purchase up to $500,000 of your future receivables and get the cash to you — in as little as 3 hours.
Express Solution is built for businesses getting their first advance from us. Here’s the deal in one breath: we purchase up to $500,000 of your future receivables at a fixed price, the cash hits your account the same day, and a small percentage of your ongoing sales delivers the purchased amount over time. No loan, no interest, no collateral — and no waiting weeks for a bank to say maybe.
A five-minute application and a few bank statements — not a month of meetings and paperwork.
Opportunities don’t wait for financing to clear. Your advance can land the same day you’re approved.
The purchase amount is built around your actual receivables — not a one-size-fits-all credit box.
Express Solution fits businesses taking their first advance — whether you’re launching a product, expanding, or bridging the gap while customers take their time paying.
We’ll purchase up to $500,000 of your future receivables — apply in minutes, no collateral required.
For established businesses ready to grow — we purchase up to $800,000 of future receivables, one of the highest amounts in Canada. Zero collateral.
Flexible Funding is for owners who’ve been at this a while. We purchase between $5,000 and $800,000 of your future receivables — the amount shaped by your real sales, seasonality, and plans, not a generic formula. You keep your equipment, your property, and your equity; we simply buy a portion of revenue you haven’t collected yet, and you put the capital to work today.
Up to $800,000 — one of the largest receivables purchases available in the country.
We price the purchase on your revenue, seasonality, and momentum — not a generic credit checklist.
Working with us directly means better pricing and a dedicated advisor — no broker taking a cut in the middle.
Flexible Funding suits owners with steady, established revenue who want room to move — expansion, equipment, inventory, marketing, or simply breathing room in the cash flow.
Zero collateral. One fixed price. A partner who actually knows your numbers.
Already funded with us? We’ll purchase up to $250,000 more of your receivables — no hassle, no starting from scratch.
Additional Funding tops up your current advance with up to $250,000 more. Because we already know your business, it’s quick — funds typically arrive within 24 hours, over 90% of applicants are approved, and all credit scores are accepted. Same structure as always: we purchase a further portion of your future receivables, you get the capital now.
Unlock the resources to expand your reach and capitalize on new opportunities quickly.
Maintain steady cash flow and avoid disruptions during critical business moments.
Reinforce your business's financial health to help manage obligations and build lasting success.
Additional Funding is available to businesses with current or past CanaCap funding, as well as established businesses seeking a supplemental advance.
Quick, supplemental capital — usually a phone call and a day away.
