🇨🇦 Americas
Break Free from Big Five Banking Bottlenecks
Canada’s five largest banks control 85% of commercial lending. When they say no — or take months to say maybe — Granton Hale delivers decisions in hours and funding in days.
Check Your EligibilityMarket Overview
Business Funding in Canada
Canada’s SME lending market is uniquely concentrated: the Big Five banks (RBC, TD, Scotiabank, BMO, and CIBC) control roughly 85% of all commercial lending. This oligopoly means that when a business doesn’t fit the narrow credit box of these institutions, there are remarkably few alternatives. BDC (the Business Development Bank of Canada) serves a bridging role but moves slowly, and CEBA loans from the pandemic era created as many repayment headaches as they solved.
Granton Hale Capital entered the Canadian market to provide the speed and flexibility that Canadian entrepreneurs deserve. We fund businesses across all provinces and territories, from tech startups in Toronto’s MaRS district to resource-sector services companies in Alberta to fishing operations in the Maritimes. Our underwriting considers your actual business performance — bank deposits, revenue trends, contract pipelines — rather than demanding the two years of audited financials and personal property collateral that the Big Five require.
Canadian businesses benefit from our dual-currency capability: we can fund in CAD directly or in USD for businesses with cross-border operations. Whether you need working capital to bridge seasonal fluctuations, equipment financing for a fleet expansion, or growth capital to open a second location, our lending network includes Canadian-licensed funders who understand provincial regulations and industry-specific dynamics.
Quick Facts
Country
🇨🇦 Canada
Currency
CAD
Funding Range
$25K–$25M CAD
Eligibility
- Registered Canadian business (Corporation, Partnership, or Sole Proprietorship)
- Minimum 3 months in operation
- At least $10,000 CAD in monthly revenue
- Active Canadian business bank account
- Business operating in any province or territory
The Challenge
Why Canada Businesses Struggle to Get Funded
Big Five Dominance Limits Competition
With five banks controlling the vast majority of commercial lending, Canadian businesses have far fewer options than their American counterparts. When all five use similar risk models, an entire segment of creditworthy businesses gets systematically excluded.
Regional Economic Disparities
Lending appetite varies dramatically by province. Businesses in Alberta’s energy sector or the Atlantic provinces’ fishing and tourism industries face stricter scrutiny and higher decline rates than those in Ontario or BC’s diversified economies.
Cross-Border Complexity
Many Canadian businesses sell into the US market or source from US suppliers, creating FX exposure and cash-flow timing mismatches. Banks treat cross-border revenue as a risk factor; we see it as a sign of a scalable business.
Available Products
Funding Solutions in Canada
One application gives you access to multiple funding products tailored for the Canada market. View all solutions
Working Capital Loans
Short- to medium-term capital from $25K to $5M CAD to cover payroll, inventory, seasonal dips, and operational expenses. Repayment terms from 3 to 24 months.
Revenue-Based Financing
Daily or weekly remittance based on a percentage of your revenue. Ideal for businesses with variable cash flows like hospitality, e-commerce, and seasonal services.
Equipment & Vehicle Financing
Finance trucks, heavy machinery, restaurant equipment, medical devices, and technology infrastructure with the equipment as collateral. Terms up to 7 years.
Business Lines of Credit
Revolving facilities from $50K to $2M CAD. Particularly popular with construction firms and seasonal businesses that need flexible access to capital throughout the year.
Merchant Cash Advances
Advance against future debit and credit card transactions. Remittance is automatic and proportional to your daily sales volume, so payments flex with your business.
Industries
Key Industries We Fund in Canada
We welcome all industries — these are among the most common in this market.
FAQ
Questions About Funding in Canada
Do you fund businesses in Quebec?
Yes. We fund businesses in all Canadian provinces and territories, including Quebec. Our application process is available in English, and we work with lending partners who are fully licensed to operate in Quebec under provincial consumer protection and lending regulations.
Can I get funding if I was declined by my Big Five bank?
Yes — this is one of the most common scenarios we see. The Big Five use conservative risk models that exclude many profitable businesses. We evaluate your actual revenue and business trajectory, not just the credit metrics that banks rely on.
Is funding available in CAD or only USD?
We fund primarily in CAD for Canadian businesses. However, if you have significant US-dollar revenue or need USD for cross-border supplier payments, we can arrange USD-denominated funding as well.
What about CEBA loan repayment — can you help with that?
While we don’t refinance CEBA loans directly, many Canadian businesses use our working capital products to manage cash flow while meeting CEBA repayment obligations. We can help structure funding that accounts for your existing repayment schedule.
Do I need to provide personal guarantees?
Some products require a personal guarantee from the business owner(s), while others — particularly revenue-based financing and MCAs — do not. The requirement depends on the funding amount, product type, and the strength of your business financials.
Explore More
Other Markets We Serve
Ready to Get Funded in Canada?
30-second application. No hard credit pull. Decisions in hours.