Small Business Loans and Flexible Financing for Canadian Businesses
When traditional bank financing does not fit your business, we do. Kingsmen Capital helps small and medium-sized businesses across Ontario and British Columbia access working capital quickly, with or without collateral.
$1 Billion+ Funded to Canadian Businesses
Over 5000 Businesses Financed Since 2016
Approvals in as Little as 24 Hours
Serving All of Canada
Financing Built Around How Your Business Actually Operates
Every business has a different cash flow shape, a different balance sheet, and a different reason for needing capital. Rather than pushing one product, we start with your situation and match you to the structure that fits. Below are the four ways we most often fund Canadian businesses.
Business Term Loans
A lump sum of working capital with fixed, predictable payments and no collateral required. Use it for expansion, inventory, payroll gaps, renovations, or anything else the business needs.
Up to $800,000 | Funding in as little as 24 hours | No collateral required
Asset-Based Line of Credit
Turn what your business already owns into available credit. Receivables, inventory, and equipment can be leveraged to unlock a larger facility than an unsecured product would allow.
Up to $[X] | Secured against business assets | Draw only what you need
Revenue-Based Line of Credit
Flexible access to working capital priced against your revenue instead of your assets. Payments move with your sales, which suits seasonal and variable-revenue businesses.
Up to $3,000,000 | No assets pledged | Repayment flexes with revenue
Equipment Financing
Finance new equipment, or leverage equipment you already own to free up cash. Preserves your working capital instead of tying it up in a single purchase.
Industries We Fund Across Canada
We work with owner-operated businesses in sectors that traditional lenders often treat as too seasonal, too asset-light, or too unpredictable. If your industry is not listed, it does not mean no. It means we should talk.
How Funding Works at Kingsmen Capital
Step 1 – Apply in minutes.
Share a few basic details about your business. No lengthy business plan, no appraisals up front.
Step 2 – Speak with an advisor.
A real person reviews your file, asks what the capital is for, and tells you honestly which products you qualify for and which you do not.
Step 3 – Get funded.
Once approved, funds can be released in as little as 24 hours, straight to your business account.
Do You Qualify?
Our criteria are deliberately wider than a bank’s. We look at how your business performs day-to-day, not just what it can pledge as security.
Minimum Requirements
- In business for at least 6 months
- Minimum $10,000 in monthly revenue
- A Canadian business bank account
- Operating in Ontario or British Columbia
How We Compare to Traditional Bank Financing
| Kingsmen Capital | Traditional bank | |
|---|---|---|
| Time to funding | As little as 24 hours | Several weeks to months |
| Collateral | Optional depending on product | Usually required |
| Credit history | Considered, not decisive | Heavily weighted |
| Documentation | Streamlined | Full business plan and financials |
| Decision maker | Your advisor, in-house | Centralised credit committee |
Banks are not wrong for every business. They are wrong for a lot of good businesses. If yours is one of them, we should talk.
Why We Do This
At Kingsmen Capital, we believe every business represents opportunity, not just for the owners but for the staff, families, and communities it supports. We have seen too many viable businesses turned away for reasons that had nothing to do with whether they could repay.
That is why we built a range of solutions instead of a single product, and why an advisor reads every file. Our team has deep experience across Canadian business lending, and we work alongside our clients rather than processing them.
Frequently Asked Questions
Yes. Our term loans and revenue-based lines of credit are non-collateralized, meaning you do not need to pledge property, equipment, or receivables to qualify. We assess your business on its revenue and cash flow performance instead.
Often, yes. A bank decline is one of the most common reasons businesses come to us. Banks decline for reasons that have little to do with repayment ability, such as time in business, industry type or lack of hard security. We underwrite differently.
Approved applications can be funded in as little as 24 hours. Timing depends on the product and how quickly you can provide bank statements and basic business details.
Term loans go up to $800,000 and revenue-based lines of credit up to $3,000,000. Your actual limit depends on revenue, time in business, and the product you qualify for.
No. The Canada Small Business Financing Program is a federal program delivered only through banks, credit unions, and caisses populaires. Kingsmen Capital is a private lender and advisory firm, which means we can approve businesses that fall outside that program's eligibility rules, including businesses above its revenue cap or that have already been declined by a bank.
Talk to a Kingsmen Capital Advisor
Tell us a little about your business, and an advisor will get back to you within one business day with the options you actually qualify for. No obligation, no pressure.
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