Funding for your day-to-day retail needs.
- Buy inventory ahead of holiday, back-to-school, or summer peak
- Open or build out a new location: leasehold improvements, fixtures, opening stock
- Bridge a slow shoulder season without cutting marketing spend
- Cover inventory and operating costs while keeping existing obligations affordable
- Fund a marketing push to capture demand during a competitor's downtime
Financing options for your Canadian business.
Working capital is a common starting point where appropriate. Term loans may also be available, with each offer and schedule set by the lender.
Line of Credit
For the strongest business and credit profiles only. May be considered for inventory, seasonal demand, and location expenses, subject to lender review.
Learn more →Revenue-Based Financing
An option for businesses with seasonal revenue, with repayment terms set by the lender.
Learn more →Term Loan
Lump-sum financing for buildouts, equipment, and store openings: fixed payments, fixed term.
Learn more →Invoice Financing
For wholesale and B2B retail, advance against net-30/60 invoices to keep inventory moving.
Learn more →Start with the right information.
Working-capital applications are generally considered for Canadian businesses with at least six months in operation and at least $10,000 in monthly revenue. Approval depends on lender review, and additional documents may be requested.
What to prepare
- Recent business bank statements
- Existing financing obligations
- How you intend to use the funds
Three steps from application to lender decision.
Apply in minutes
Share your business details and connect your bank or upload recent statements.
Compare real offers
See every product your business qualifies for side-by-side. No estimates, no bait pricing.
Review the offer
If approved, review the lender’s schedule, costs, and conditions before you decide.
Canadian retail financing: common questions.
Does Thrivewell finance both online and brick-and-mortar retail?+
Ecommerce, omnichannel, and brick-and-mortar businesses can apply. Lenders review revenue stability and the full business profile.
How do you handle seasonal businesses?+
We review revenue over the last 12 months and consider repeat seasonality. Working capital may be considered; lines of credit are reserved for the strongest profiles. All offers require lender review.
Can I use the funds for marketing?+
Marketing spend may be an eligible use of working capital, subject to the product and lender offer.
What about a new location?+
New-location buildouts may be considered for a term loan. The lender sets the repayment schedule in the offer.
What do lenders review?+
Lenders review business revenue, bank activity, existing obligations, time in business, and the intended use of funds. A soft application inquiry may not affect your score.
Other industries we fund.
Ready to fund your company's future?
Start your Canadian business funding application online. An advisor will review your needs and explain any available lender offers.