Business Loans

Business Loans for Canadian Companies

Fund That helps Canadian businesses pursue the financing structure that fits the file—from major Canadian banks through established relationships to a network of 200+ other lenders. If a bank is the right long-term fit but its underwriting timeline leaves a cash-flow gap, we can also explore short-term interim financing designed to bridge the business until the bank facility is completed.

More than one path to capital

Start with the business case, then match it to the right financing channel.

A strong commercial financing request is more than an application form. The financing provider needs to understand the business, the purpose of the capital and the ability to repay it.

Fund That works as a commercial financing broker. We review the request, help organize the financing story and explore suitable providers based on the circumstances of the business. Businesses with a specific operating cash-flow need can also review working capital financing, while recurring access to capital may be better suited to a business line of credit. Asset purchases may fit equipment financing.

  • Understand the amount, purpose and timing of the financing
  • Review the business profile and available financial information
  • Determine whether a conventional bank or another financing provider is the better starting point
  • Coordinate the financing submission and follow-up through the applicable channel
Business owners meeting to discuss commercial financing options
Photo by Redd Francisco / Unsplash
Major Canadian bank financing

When your business belongs at a major bank, we can help move the right file through the right channel.

Fund That has established commercial-financing relationships and, where a business is a suitable fit, can help prepare and submit a bank-ready request to a major Canadian financial institution. We help organize the story behind the financing, coordinate the supporting information and stay involved as the file moves through underwriting.

Build a bank-ready financing story

We clarify the amount requested, use of funds, business history, repayment capacity and commercial rationale behind the financing.

Package the supporting information

The bank may require year-end statements, interim results, tax information, projections, debt details, ownership information and other documents. We help keep the request organized.

Submit and manage the process

Where the file fits, we coordinate the submission through the appropriate banking relationship and follow up as the lender completes its review and approval process.

Timing and approval: Major-bank commercial financing commonly takes approximately 4–6 weeks to complete, although timing varies by institution, transaction and documentation. Fund That is a commercial financing broker, not a bank. All approvals, pricing, security requirements and final terms are determined by the applicable lender.
Bank financing + interim cash flow

Wait for the right bank facility—not for the cash your business needs today.

A strong bank file can still leave a timing gap. If the long-term bank loan is expected to take several weeks, Fund That can also explore temporary financing through other lenders to inject working capital into the business while the bank request is being completed.

For eligible businesses with the required information available, some interim financing options may be arranged in as little as about 48 hours. The objective is to keep the business operating while the longer-term bank facility moves through underwriting.

Once the bank financing funds, the temporary facility can typically be repaid or refinanced from the bank proceeds, subject to the interim lender's repayment and prepayment terms.

01Long-term destination

Major Canadian bank

Where the business fits bank criteria, we pursue the long-term facility through the appropriate relationship.

Typical process: approximately 4–6 weeks
02Keep cash flow moving

Interim business financing

We can explore short-term capital from other lenders while the bank file is still in progress.

Some eligible files: as little as about 48 hours
03Clear exit strategy

Repay when the bank funds

When the long-term facility closes, bank proceeds may be used to pay out the temporary financing, subject to the agreed loan terms.

Structured with the transition in mind
Important: Interim financing is a separate credit decision and is not guaranteed. Short-term or alternative financing can carry higher costs than conventional bank financing, so we review the repayment strategy, total cost and prepayment terms before you decide whether it makes sense.
A broader lending network

Major Canadian banks plus 200+ other lending relationships.

We are not limited to one institution or one underwriting model. Fund That can pursue a major-bank solution where the business fits, while also drawing on more than 200 other lender relationships to explore alternatives based on speed, structure, industry, collateral and the purpose of the financing.

01

Major Canadian banks

Longer-term conventional commercial financing for established businesses that fit bank underwriting requirements and can support the documentation process.

02

Credit unions & regional institutions

Commercial lending programs that can be a strong fit based on geography, industry, relationship or transaction structure.

03

Alternative business lenders

Non-bank financing for speed, flexibility, working capital, interim needs or situations that do not line up with traditional bank criteria.

04

Private & specialty capital

Specialized financing structures for transactions that need a more customized approach, including short-term or asset-supported situations.

Growing small business operations and commercial workspace
Photo by 2H Media / Unsplash
What lenders may review

A stronger file gives the lender a clearer picture of the business.

Requirements vary by financing provider and transaction. Depending on the request, a commercial lender may ask for some combination of the following:

  • Recent year-end financial statements
  • Current interim financial results
  • Business bank statements or cash-flow information
  • Corporate tax information and notices of assessment
  • Existing debt and payment obligations
  • Business plan, use-of-funds detail or financial projections
  • Ownership, guarantor or security information where required

Do not send sensitive financial information by ordinary email unless a Fund That specialist has provided an appropriate secure method.

Is it a fit?

Match the product to the purpose.

Financing should solve a defined business need—not create a new one.

Often a good fit for

  • A defined investment, acquisition or project
  • A larger one-time capital need
  • A business with operating history and predictable revenue
  • Owners who want a clear repayment structure

May require a different approach

  • Very new businesses with limited operating history
  • Short-term needs that change significantly month to month
  • Requests where the intended use of capital is not yet defined
Fund That

The goal is the right long-term fit—not simply the fastest approval.

If a major Canadian bank is the right destination, we can pursue that route while also considering interim capital when timing matters. If the bank is not the right fit, our 200+ other lender relationships give us additional commercial financing channels to explore.

What to look for

Understand the structure before you sign.

Funding amountBorrow enough for the business objective while preserving manageable cash flow.
Repayment structureCompare payment frequency, term length and whether early repayment changes the cost.
Total costReview the full cost of financing—not only a headline rate.
ConditionsConfirm security, guarantees, documentation and any restrictions before accepting.
Common uses

Put the capital to work where it matters.

Expansion

Add a location, capacity or service line

Inventory

Prepare for peak season or larger orders

Renovations

Refresh or build out business space

Hiring

Add people ahead of growth

Marketing

Fund customer acquisition initiatives

Acquisitions

Finance a business, location or strategic opportunity

FAQ

Questions business owners ask.

Can Fund That submit my business loan to a major Canadian bank?

Yes. Fund That has established commercial-financing relationships and, where your business is a suitable fit, can help prepare and submit a request through the appropriate major-bank channel. The bank makes the final credit decision and determines pricing, security, documentation and all other terms.

How long does major-bank business financing usually take?

A conventional commercial-bank process commonly takes approximately 4–6 weeks, but timing varies based on the institution, transaction complexity, documentation, appraisal or security requirements and how quickly requested information is provided.

What if my business needs cash before the bank finishes its approval?

Where appropriate, Fund That can explore temporary working-capital or interim financing through other lenders while the bank request continues. Some eligible files may be funded in as little as about 48 hours after the required information is received and lender conditions are satisfied. Timing is not guaranteed.

Can the temporary loan be paid off when the bank loan funds?

That can be the intended strategy. When the bank facility closes, its proceeds may be used to repay or refinance the interim facility, subject to the temporary lender's repayment and prepayment terms. We recommend confirming those terms before accepting interim financing.

Why would I use Fund That instead of applying to one bank directly?

Fund That can help organize the request, pursue a major-bank route where it fits and explore more than 200 other lender relationships when another structure, timeline or underwriting approach makes more sense. The goal is to help identify the strongest available fit for the business—not force every request into one lending channel.

How much can I borrow?

Available amounts vary by lender, business revenue, operating history, credit profile, available security and the purpose of financing.

Will I need collateral or a personal guarantee?

That depends on the financing product and provider. Some facilities may be unsecured while others can involve business assets, guarantees or other security.

What happens if a bank does not approve the request?

The financing conversation does not necessarily end. Where appropriate, Fund That can explore alternative commercial lenders, private capital or other structures within its broader lender network. Alternative financing is not guaranteed and may have different pricing, terms or security requirements.

Ready to explore business financing?

Tell us about your business, how much capital you need and what you plan to accomplish.

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