Simple. Fast. Transparent.
How invoice financing works
No complex applications. No waiting weeks. Just a straightforward way to get paid on invoices you've already earned.
Submit your invoice
Upload your outstanding invoice and a few basic details about your business. The whole process takes less than 5 minutes — no lengthy paperwork, no in-person meetings.
- ✓Any B2B invoice qualifies
- ✓Invoices from $5,000 to $500,000
- ✓Secure document upload
Get approved
Our team reviews your application and assesses the creditworthiness of your client — not your business. Most decisions come back within a few hours.
- ✓We assess your client, not you
- ✓Decisions typically within 4–8 hours
- ✓No impact on your credit score
Receive your funds
Once approved, we advance up to 90% of your invoice value directly to your bank account. When your client pays, we release the remaining balance minus our fee.
- ✓Up to 90% advanced immediately
- ✓Remainder paid when client settles
- ✓One clear, transparent fee
Who qualifies?
Invoice financing is designed for established businesses with outstanding B2B invoices. Here's what we look for:
Canadian-registered business
Your business must be registered and operating in Canada.
B2B invoices only
Invoices must be issued to other businesses, not individual consumers.
Minimum 6 months trading
Your business should have at least 6 months of operating history.
Invoice value $5,000+
We finance individual invoices from $5,000 up to $500,000.
Creditworthy clients
Your clients should be established businesses with a track record of paying invoices.
No existing liens
The invoices you submit must not be pledged to another lender.
Simple, transparent pricing
One flat fee. No setup costs, no monthly minimums, no hidden charges.
Advance rate
Up to 90%
We advance up to 90% of your invoice value upfront.
Financing fee
1.5–3.5%
A single fee based on invoice size and client risk. Quoted before you commit.
Setup fee
$0
No onboarding fees, no account fees, no surprises.
Early repayment
$0
If your client pays early, you pay nothing extra.