WORKING CAPITAL
TO KEEP BUSINESS MOVING.
Cash flow and opportunity don't always arrive at the same time. BizFin.ca helps Canadian businesses explore working-capital financing for needs such as inventory, payroll, suppliers, marketing, new contracts, expansion and day-to-day operating expenses.
Tell us what your business needs next.
Proudly Canadian. Built for Canadian businesses.
BUSINESS DOESN'T ALWAYS WAIT FOR CASH FLOW.
A business can be healthy and still have a timing problem. Customers may pay later. Payroll arrives first. A supplier may offer an opportunity today. A new contract may require upfront spending. Inventory may need to be purchased before the busy season.
Working capital can help bridge the space between money going out and revenue coming in. It's not only for businesses in trouble — it's for good businesses that need a little more room to keep moving.
USE CAPITAL WHERE YOUR BUSINESS NEEDS IT.
Inventory
Purchase inventory for busy periods, larger orders or supplier opportunities without tying up all of your available cash.
Payroll
Help keep your team paid while your business waits for receivables, seasonal revenue or customer payments.
Suppliers
Manage supplier obligations and secure the materials or products your business needs to keep operating.
New Contracts
Help cover upfront labour, materials or operating costs when a new project creates expenses before revenue.
Marketing
Invest in advertising, promotions or customer acquisition when an opportunity to grow makes sense.
Expansion
Support additional staff, increased capacity, renovations, another location or other growth initiatives.
Cash-Flow Gaps
Bridge timing differences between operating expenses and incoming business revenue.
Unexpected Expenses
Give your business more flexibility when an important expense wasn't part of the original plan.
SOMETIMES THE OPPORTUNITY
ARRIVES BEFORE THE MONEY DOES.
- A large order lands.
- A supplier offers favourable pricing.
- A new contract is awarded.
- Your busy season starts early.
- A second location becomes available.
- The equipment needs fixing now.
Working capital can give your business more room to respond.
A STRAIGHTFORWARD WAY TO EXPLORE YOUR OPTIONS.
Tell us what you need
Tell us about your business, how much financing you're considering and what the capital would help with.
We review your information
Your business profile helps determine which financing options may be appropriate.
You decide
Review any available option and decide whether it makes sense for your business.
WORKING CAPITAL FOR REAL-WORLD BUSINESS NEEDS.
BizFin.ca works with businesses across a range of Canadian industries. Explore financing across sectors and see industry-specific information.
Construction
Materials, payroll, new jobs and project expenses may occur before customers pay.
Transportation & Trucking
Fuel, maintenance, payroll and operating costs keep moving even when receivables haven't arrived.
Restaurants & Hospitality
Inventory, staffing, renovations and seasonal operating costs can create short-term capital needs.
Retail
Inventory commitments often come well before the products are sold.
Manufacturing
Materials, labour and increased production may require capital before finished goods generate revenue.
Automotive & Trades
Parts, payroll, equipment, inventory and new business opportunities can all create working-capital requirements.
Professional Services
Project costs, staffing and growth initiatives may arrive ahead of client payments.
Wholesale & Distribution
Large purchase commitments and inventory may strain cash flow before orders ship.
WORKING CAPITAL OR EQUIPMENT FINANCING?
Equipment Financing
If the financing is primarily for a specific piece of equipment, equipment financing may make more sense.
Equipment FinancingWorking Capital
If the need is broader — such as inventory, payroll, suppliers, operating expenses or cash-flow flexibility — working capital may be the better place to start.
NOT SURE?
You don't need to choose the product first. Tell us what you're trying to accomplish.
SECURED OR UNSECURED?
You don't need to figure that out before you start.
Different financing solutions can use different structures. Some may be available without a specific business asset being pledged, while others may involve security or collateral.
Start by telling BizFin.ca what your business needs. The appropriate structure depends on the financing option and your business circumstances.
BUSINESS ISN'T ALWAYS PERFECT ON PAPER.
Financing decisions may consider a number of factors, including revenue, time in business, business profile, credit history, financing purpose and the information provided in the application.
If you've experienced credit challenges or aren't sure what may be available, you can still start by telling us about your business.
NOT READY TO APPLY?
THEN DON'T.
If you're still researching, unsure how much you need or simply want to understand the options, start with a conversation instead. Tell us what you're thinking about and how to reach you — no full application required.
QUESTIONS ABOUT WORKING CAPITAL.
DON'T LET A CASH-FLOW GAP MAKE THE DECISION FOR YOU.
Tell us what your business needs and start exploring working-capital financing options.
BizFin.ca — Finance your next move.