Line of CreditHow a neighbourhood bakery smoothed its seasonal cash flow.
Maple & Crumb had outgrown its first kitchen. Wholesale orders from local cafés were climbing, but the cash to buy flour, butter and packaging always landed weeks before those invoices were paid. During the holiday rush the gap got wide enough to keep Hannah up at night.
Term LoanWinning a bigger contract by financing the equipment to deliver it.
Cormier Contracting had a chance to bid on its largest commercial job yet — but delivering it meant buying a skid steer and a compact excavator the crew didn’t own. Daniel didn’t want to win the contract and then scramble for the machines.
Revenue-Based FinancingFunding a season of inventory without touching the cap table.
Atelier Nord curates independent Canadian designers, and Sandra’s buying happens months before the selling. Each season she commits to inventory in the spring that won’t turn into sales until the fall — a classic retail squeeze that had her considering an outside investor.
Working CapitalCovering payroll between client invoices — without dilution.
Northpoint Media was growing the good kind of fast: more retainer clients, bigger campaigns, a team that doubled in a year. The problem was timing. Enterprise clients paid on net-60, but the agency’s designers and strategists were paid on the 1st and 15th like clockwork.
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