Accounts receivable financing Canada

ACCOUNTS RECEIVABLE
FINANCING.

A profitable business can still run short of cash: payroll, materials, suppliers, fuel and project costs all land before customers pay their invoices. That's a timing problem — and receivables financing is built for exactly it.

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Office administrator organizing a stack of customer invoices beside a laptop in a modern office

Built for Canadian business Flexible business uses Straightforward process Real human support

The timing problem

THE WORK IS DONE — THE INVOICE ISN'T PAID.

B2B customers often pay in 30, 45, 60 or even 90 days. Meanwhile the expenses that created that revenue have already been paid: staff, materials, subcontractors, fuel, insurance. The business is profitable on paper and squeezed in the bank account.

Receivables financing looks at money your customers already owe you as the basis for accessing capital — so the gap between doing the work and getting paid stops dictating what your business can do next.

Expenses that land before payment

WHAT RECEIVABLES FINANCING CAN HELP COVER.

Payroll

Pay the people who did the work the invoice covers.

Materials

Buy for the next project while the last one ages.

Suppliers

Keep payables current and terms intact.

Fuel & Operating Costs

Keep trucks, machines and crews running.

Inventory

Restock while receivables are outstanding.

Project Costs

Fund the upfront costs of work in progress.

Timing, not profitability

A PROFITABLE BUSINESS CAN STILL RUN OUT OF RUNWAY.

The most common receivables squeeze in Canadian business isn't unprofitability — it's growth. Winning bigger contracts means bigger upfront costs. BizFin.ca helps businesses explore receivables-based options that fit how their customers actually pay.

RECEIVABLES FINANCING OR A LINE OF CREDIT?

Receivables Financing

Capital tied to invoices your customers already owe — matched to the timing problem itself.

Business Line of Credit

Revolving capacity for recurring gaps — a broader tool when the need isn't tied to specific invoices.

Business Line of Credit

Not sure which fits?

Describe how your customers pay and what expenses hit first — the structure should match the cycle.

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NOT SURE WHAT KIND OF FINANCING YOU NEED?

You don't need to know the exact financing product before you start. Tell us what your business is trying to accomplish.

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Receivables financing FAQ

QUESTIONS ABOUT RECEIVABLES FINANCING.

What does your business need next?

STOP LETTING YOUR INVOICES SET YOUR PACE.

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BizFin.ca — Finance your next move.

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