Business financing

Capital to grow — structured for how your business actually works.

Working capital, term loans, and equipment financing for established Ontario businesses. We structure solutions around your cash flow and business model — not a standard bank template.

Discuss your file See mandates

At a glance

Facility typesWorking capital, term loans, equipment

Typical facility size$100K – $5M

Repayment structuresFixed, revolving, revenue-based

Security requiredVaries — real estate not always needed

Timeline to funding10 – 30 business days

Lender typesBanks, alt lenders, MICs, private

What we finance

Structures we arrange.

Working capital

Operating line & working capital

Short-term facilities to fund inventory, payroll, receivables, and day-to-day operations. Revolving structures allow you to draw and repay as needed.

Revolving and term structures available

Term loans

Business term loans

Longer-term debt for growth investment, equipment, acquisition, or refinancing existing bank facilities at better terms. Fixed repayment over 1–7 years.

Fixed monthly payments, predictable structure

Equipment

Equipment & asset financing

Finance specific equipment, vehicles, or machinery without tying up working capital or pledging real estate. The asset itself typically serves as security.

Asset-secured — no real estate required

Revenue-based

Revenue-based financing

Repayments structured as a percentage of monthly revenue — ideal for businesses with strong turnover but limited hard assets or real estate equity.

Repayments flex with your revenue

Receivables

Invoice & receivables financing

Unlock cash tied up in outstanding invoices. Advance against confirmed receivables to fund operations without waiting 30–90 days for client payment.

Turn invoices into immediate cash

Acquisition

Business acquisition financing

Debt component for business acquisitions — whether asset or share purchase. Structured alongside equity contribution and, where applicable, vendor financing.

Structured to transaction terms

The process

From first call to funded deal.

Discovery call

Discuss your business, the funding need, and how you're currently structured. No cost.

Financial review

We review your financials and identify the right lender type and facility structure.

Term sheet

A clear term sheet within 5–10 business days — facility size, rate, term, conditions.

Approval

Lender approval issued. We manage document requirements and conditions throughout.

Funded

Capital in your account. We stay available for draws, renewals, and future needs.

Why Arise

The Arise Capital advantage.

We understand incorporated and complex income structures

Holding companies, management fees, income split across entities — we present your business financials in the format that gives lenders the clearest picture of serviceability.

Real estate not always required

Many business owners assume working capital means pledging their building. Through alternative lenders, we regularly arrange unsecured or asset-secured facilities that preserve your real estate equity.

40+ lender relationships across all tiers

Chartered banks, credit unions, alternative lenders, and private capital — matched to your business type, stage, and the nature of the facility you need.

Speed without sacrificing structure

Alternative lenders can fund in days, not months. We identify the right source for your timeline and ensure the facility is structured correctly for your long-term needs.

Frequently asked

Common questions.

Do I need to own real estate to get business financing?

Not necessarily. Equipment loans, receivables financing, and revenue-based facilities can all be arranged without pledging property. The right structure depends on your business type, revenue profile, and what the funds are for. We assess this in the initial conversation.

My bank already gave me a line of credit. Why would I need you?

Bank lines of credit are often capped below what a growing business actually needs, or structured with covenants that limit flexibility. We can either supplement your existing bank facility through a second lender, or in some cases restructure the entire credit picture at better terms through an alternative provider.

What financials do you need to assess a business financing request?

Typically: 2–3 years of business tax returns (T2s), recent financial statements, bank statements for the last 3–6 months, and a brief description of how the funds will be used. We provide a specific checklist after the discovery call.

How quickly can you fund a business financing facility?

Alternative lenders can move significantly faster than chartered banks. For well-prepared files with straightforward structures, funding in 10–15 business days is achievable. Complex situations or larger facilities may take 20–30 days.

Capital to grow — structured for how your business actually works.

Structures we arrange.

From first call to funded deal.

The Arise Capital advantage.

Common questions.

Bring us your file.