Working capital for Canadian businesses, assessed on performance.
Canadian revenue-based financing may provide working capital based on business performance. Payment frequency, total repayment, security, and other terms are set out by the lender.
Capital that scales with your business, not against it.
Revenue-based financing can be one way to explore working capital when a business has an established trading and revenue history. Availability and amount depend on assessment.
Lenders may consider deposits, revenue consistency, cash flow, and other information. The written offer determines the repayment structure and total cost.
Funding tailored to your business needs
Our revenue-based financing offers rapid, transparent financing to fuel your strategic goals.
Assessment considers performance
Lenders may review deposit volume, revenue consistency, cash flow, and other business information alongside their usual underwriting.
Funding timing varies
If approved, funding timing depends on the lender, documentation, closing conditions, and banking rails.
Review the repayment structure
The lender’s offer will specify whether payments are fixed or linked to revenue, plus the frequency, total repayment, and other costs.
Terms depend on the lender
Revenue-based products can still include fixed daily or weekly payments, security, or guarantees. Review the written offer before accepting.
A transparent approach to business funding
Your Thrivewell advisor helps you review available funding options. Lender terms, costs, security, and timing are confirmed in the written offer.
Two-minute online application
Connect your business banking or provide requested records. For basic working-capital consideration, businesses generally need at least 6 months of trading and at least $10,000 in monthly revenue.
Start ApplicationSee your maximum advance
Your portal may show an indicative amount or offer. Confirm the lender’s full repayment schedule, total cost, security, and conditions in writing.
See your offersComplete the lender’s funding steps
If approved, complete the lender’s closing steps. Funding and any security or guarantee requirements depend on the written offer.
Talk to an advisorRepay under the agreed schedule
Payment frequency and amount follow the lender’s written terms. Do not assume payments change automatically when sales change.
Get fundedRevenue-Based Financing
FAQs
Quick answers on rates, structure, and timing. Still have a question? Talk to a specialist.
- They can use different legal structures and repayment methods. Review the lender’s agreement for the product structure, total repayment, fees, security, and any reporting obligations.
- Do not assume payments reduce when revenue drops. Some offers use fixed daily or weekly payments, while others may link payments to revenue. The written lender terms control.
- Security and guarantees vary by lender and offer. Review the written agreement for any collateral, personal guarantee, or other security requirement.
- There is no single amount that applies to every business. Lenders consider revenue, cash flow, trading history, affordability, and other underwriting factors.
- A later application may be possible, but renewal is not guaranteed. The lender may reassess your performance, affordability, and current obligations.
How is RBF different from a merchant cash advance?+
What if revenue drops?+
Do I need collateral?+
How much can I qualify for?+
Can I get a second advance later?+
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.