Business Loans & Working Capital Canada
Business Working Capital
Use a business loan to grow, hire, expand, or cover costs — funds go where your business needs them most.
What is Business Working Capital?
Working capital is the lifeblood of your business. It's the cash available to cover your day-to-day operating expenses and short-term obligations. When your working capital is tight, it can limit your ability to grow and respond to opportunities.
A business working capital loan from Active Growth Financial gives you access to the funds you need — quickly and with minimal hassle. Whether you're a startup or an established business, we have solutions that fit your needs.
The best part? There are zero restrictions — no lender dictating how you spend it, no earmarked categories, no justification required.
Apply NowLoan Details
- Loan Amounts$5,000 – $1,000,000
- Terms3 – 24 months
- Approval TimeWithin 24 hours
- Funding TimeSame day or 24–48 hours
- Payment FrequencyWeekly or monthly
- CollateralNo collateral required
- Use of FundsAny business purpose
- AvailabilityAll Canadian provinces
How Can You Use Working Capital?
Here are some of the most common ways our clients put working capital to work:
Inventory & Supplies
Stock up on inventory to meet customer demand and take advantage of bulk purchasing discounts.
Hiring & Payroll
Cover payroll during slow seasons or when expanding your team to support business growth.
Marketing & Growth
Invest in marketing campaigns to attract new customers and grow your brand presence.
Repairs & Renovations
Handle repairs, upgrades, or renovations without disrupting your day-to-day operations.
Business Expansion
Open a new location, enter a new market, or expand your product and service offerings.
Cash Flow Support
Bridge seasonal gaps or unexpected slow periods and keep your business running smoothly.
Why Choose Active Growth Financial?
Fast Approvals
Approvals within 24 hours. Funding can be completed the same day or within 24–48 hours.
Flexible Use
No restrictions on how you use the funds — inventory, payroll, marketing, equipment, and more.
No Collateral Required
Unsecured working capital — no need to pledge assets to access the funding you need.
Flexible Payment Terms
Terms from 3 to 24 months. Pay weekly or monthly — your choice.
Easy Renewal
As you repay, you may qualify for additional funding to keep your growth going.
Early Repayment Discounts
Pay off early and receive a discount — rewarding businesses that move fast.
Minimum Qualification Requirements
We work with businesses of all sizes and credit profiles. Here's what you generally need to qualify:
Request Working Capital Information
Tell us about your business and financing needs. A specialist will contact you within 1 business day.