Small business funding across Canada.
Trifecta Business Group arranges commercial financing for Canadian businesses in every province and territory through our network of lending partners. One application, from $5,000 to large asset-backed facilities, handled online and by phone.
BBB profile &Chamber member
Province matcher
Does this work in my province? Check in two taps.
Canadian Funding
Tell us what your business needs funded.
We never auction your information. Your file is reviewed confidentially by Trifecta Business Group and matched directly with vetted lending partners. No hard credit pull to explore your options.
Quick Estimate
Canadian working-capital estimate
Typical funding range
CA$30,000 – CA$75,000
Programs in Canada are commonly sized around 50–125% of average monthly revenue; time in business, seasonality and receivables quality move it.
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Amounts shown in Canadian dollars. Educational estimate only, not an offer. Program availability, rates, terms and amounts depend on the lending partner and your business profile; applying does not guarantee approval. Commercial financing only.
$5,000 CAD
Smallest working capital files
Up to $20M
Large equipment and asset-backed facilities
13 regions
All provinces and territories
7 programs
Including SR&ED and grant advances
Canada Capital & Lending Index
Canadian business-credit conditions, in CAD
Three official Canadian benchmarks that shape what Canadian businesses pay and qualify for — not U.S. Prime or SBA figures.
Cost of capital
4.45%
Canadian prime rate · as of 2026-09-30
Bank of Canada policy rate: 2.25% (as of 2026-10-06). Most Canadian business lines and floating term loans price off prime.
Government-backed benchmark
CSBFP
Canada Small Business Financing Program
Federal program where the government shares risk with participating lenders on loans for real property, equipment, leasehold improvements and some working capital. It is Canada's counterpart to the U.S. SBA 7(a); program limits and eligibility are set by the federal government.
Bank lending appetite
SLOS
Bank of Canada Senior Loan Officer Survey (quarterly)
Tracks whether Canadian lenders are tightening or easing business lending conditions. When banks tighten, well-documented files often still fit non-bank options such as receivables financing or working capital.
Sources: Bank of Canada (policy rate and prime rate series; Senior Loan Officer Survey); Innovation, Science and Economic Development Canada (CSBFP). Educational benchmarks only — not an offer, quote or commitment to lend. Your rate and terms depend on underwriting by our lending partners.
Canada funding tools
Run your numbers in Canadian dollars
Equipment & term loan calculator (CAD)
Sales tax pre-loaded: 13% HST (Ontario default — pick your province below for local tax).
- Sales tax
- $13,000
- Amount financed
- $113,000
- Est. monthly payment
- $2,866
- Est. total repaid
- $137,567
Estimate only. Your actual rate and term depend on the lending partner and your file.
Estimates only. Actual rates, advance amounts and terms depend on the lending partner and your file.
What we can arrange for Canadian businesses
Term loans & working capital
$5,000 – $800,000
A fixed-term lump sum for payroll, inventory, a hiring push or a gap between contracts.
Business lines of credit
$10,000 – $800,000
A revolving limit you draw on when you need it and pay interest only on what you use.
Revenue-based financing & growth capital
Sized to monthly sales
Non-dilutive capital repaid as a share of revenue, so payments flex with a slow month.
Some programs in this category are not available in Quebec.
Equipment financing & asset-backed lending
Up to $15M – $20M
Loans, leases and bridge financing secured by machinery, equipment or commercial real estate.
Grant & SR&ED tax credit advances
Based on approved credits
Get cash now against Scientific Research and Experimental Development credits or approved government grants, instead of waiting for the refund.
SaaS & venture debt
Based on recurring revenue
Growth capital for subscription and tech companies without giving up equity.
Invoice factoring
Based on receivables
Turn unpaid B2B invoices into cash within days instead of waiting 30–90 days.
The U.S. SBA program does not apply in Canada. If a government-backed loan fits better, we can talk you through the Canada Small Business Financing Program (CSBFP) as well — a federal program that shares risk with participating lenders on loans for real property, equipment and leasehold improvements. Canadian rates float on Canadian prime, which follows the Bank of Canada policy rate.
All 10 provinces and 3 territories
Ontario
13% HST
Ontario has the largest number of small businesses in Canada, from Toronto tech and professional services to manufacturing along the Golden Horseshoe and agri-food in the southwest.
Ontario funding & calculatorBritish Columbia
5% GST + 7% PST
British Columbia's economy mixes Vancouver tech and film, construction, tourism and hospitality, and resource and logistics businesses tied to the ports.
British Columbia funding & calculatorAlberta
5% GST (no provincial sales tax)
Alberta is home to energy services, construction, agriculture and a fast-growing Calgary and Edmonton tech scene.
Alberta funding & calculatorQuebec
5% GST + 9.975% QST
Quebec combines Montreal's AI, gaming and aerospace sectors with manufacturing, retail and a strong base of family-owned businesses.
Quebec funding & calculatorManitoba
5% GST + 7% PST
Manitoba's economy runs on agriculture and food processing, transportation and logistics through Winnipeg, and a steady base of manufacturing and trades.
Manitoba funding & calculatorSaskatchewan
5% GST + 6% PST
Saskatchewan is built on agriculture, potash and energy, with Saskatoon and Regina anchoring a growing services and ag-tech sector.
Saskatchewan funding & calculatorNova Scotia
14% HST
Nova Scotia combines ocean industries and fisheries, tourism, and a Halifax hub for tech, health and professional services.
Nova Scotia funding & calculatorNew Brunswick
15% HST
New Brunswick's businesses span forestry, food processing, logistics and a growing cybersecurity and IT scene in Fredericton and Moncton.
New Brunswick funding & calculatorNewfoundland and Labrador
15% HST
Newfoundland and Labrador's economy includes offshore energy, fisheries, mining and a St. John's services and ocean-tech community.
Newfoundland and Labrador funding & calculatorPrince Edward Island
15% HST
Prince Edward Island is anchored by agriculture, fisheries, tourism and a growing bioscience sector.
Prince Edward Island funding & calculatorYukon
5% GST
Yukon businesses work in mining services, construction, tourism and government contracting, often across long distances.
Yukon funding & calculatorNorthwest Territories
5% GST
Northwest Territories businesses serve mining, energy, construction and public-sector contracts in a short building season.
Northwest Territories funding & calculatorNunavut
5% GST
Nunavut businesses operate in construction, transportation, mining services and community contracting with high logistics costs.
Nunavut funding & calculator
Every province and territory has its own page with local sales tax built into the calculator.
How it works
Four steps, handled online and by phone
- 01
Apply online
Apply in English from anywhere in Canada. About 3 minutes, plus upload separately.
- 02
We match your file
We compare your business with our lending partners that fund your province and program.
- 03
Review offers
See amounts, terms and costs side by side before you commit to anything.
- 04
Get funded
Sign electronically. Many working capital files fund in days.
What to have ready
- ✓Business Number (BN) and articles of incorporation
- ✓3–6 months of business bank statements
- ✓Most recent year-end financial statements or T2 return
- ✓Government-issued ID for each owner
- ✓Equipment quote or invoice (equipment files)
- ✓Accounts receivable aging (factoring files)
- ✓SR&ED claim or filed T661 (tax credit advances)
- ✓Grant approval letter (grant advances)
Questions
Canada funding FAQs
Do you fund businesses in every province? +
Yes. Our lending partners cover all 10 provinces and 3 territories. A few revenue-based programs don't lend in Quebec, so we match Quebec files only with programs that do.
Are amounts in Canadian dollars? +
Yes. Every Canada program is quoted and funded in CAD, from $5,000 working capital up to large asset-backed facilities.
Is this personal or consumer lending? +
No. Trifecta Business Group arranges commercial financing only, for incorporated businesses and sole proprietors using funds for business purposes.
Does applying affect my credit? +
Starting an application doesn't commit you to anything. Any credit check is explained before it happens.
Can I get an advance on my SR&ED refund? +
Often, yes. Some lending partners advance a portion of an expected SR&ED credit or approved grant so you don't have to wait for the refund.
Is the U.S. SBA program available in Canada? +
No. The SBA is U.S.-only. We can talk you through the Canada Small Business Financing Program if a government-backed loan fits better.
One application for Canadian businesses
Tell us what you need and one advisor will match your file to one lender at a time that funds Canadian businesses like yours.
Your information is private and secure. Applications and documents are transmitted over 256-bit bank-grade TLS encryption, and your file is shared only with the lending partners matched to your request. We never sell your data, and the initial review involves no hard credit pull to explore your options.
Prefer to talk it through? Call 1.877.977.3015
Amounts shown in Canadian dollars. Figures are general planning estimates, not tax, legal or financial advice. Program availability, rates, terms and amounts depend on the lending partner and your business profile, and applying does not guarantee approval. Commercial financing only.
⚠ Important Financial Disclosures & Legal Compliance Notice
Informational & Analytical Purposes Only: All interactive calculators, estimation tools, text graphics, and software models provided on this landing page are intended exclusively for illustrative, informational, and preliminary analytical business budgeting purposes. Calculations, potential returns, interest factors, cash advances, and loan payment projections displayed by these tools are theoretical mathematical simulations based on user input parameters and do not represent verified financial advice, binding legal agreements, guaranteed contract conditions, or an official commitment or offer to extend commercial credit or financing.
Underwriting & Credit Approval Profiles: Actual funding approvals, transactional factor rates, loan-to-value (LTV) limits, advance distribution margins, loan durations, and legal terms fluctuate dynamically based on rigorous independent underwriting evaluation criteria. These evaluations include, but are not limited to, verifiable historical business cash flow structures, bank deposit frequencies, corporate merchant credit score, time in operation, asset evaluations, industry risk profiles, and macroeconomic market constraints. Not all applying business entities or applicants will satisfy standard criteria or qualify for peak premium advertised funding limits, rates, or programs.
Commercial Lending Limitation: The products, alternative capital options, and commercial services outlined on this website are explicitly designed for commercial, business, operational expansion, and investment purposes only. These services are completely prohibited from being utilized for personal, family, home residential consumer mortgage financing, or household consumption use.
© 2026 Trifecta Business Group, LLC. All rights reserved. Translate-IQ™, Capital Pulse™ and The Breakthrough Process™ are trademarks of Trifecta Business Group. Automated scraping or reproduction of site content and tools is prohibited. Alternative commercial funding structures and loan products may be issued, processed, or backed through our lending partners. Rates, structural terms, and operational program limits are subject to modifications or suspension at any time without advance written notification.