Canadian small business lenders

Chartered banks, credit unions and BDC lend it. They look at cash flow, security and program fit. 49 lenders offer Canada Small Business Financing Program loans across the US and Canada, usually from CA$10k to CA$1.15M. Last checked Nov 1, 2026.

lenders: 49
loan officers: 17
verified: 2
places: 7

Who lends it and what they look for

Chartered banks, credit unions and caisses populaires make Canada Small Business Financing Program loans of up to CA$1.15 million to businesses with revenue of CA$10 million or less, with the federal government sharing the lender's risk. You apply directly to a participating lender, and it makes the credit decision. Lenders look at your cash flow, the assets the loan buys, your personal credit and whether the purpose fits the program: equipment, property and leasehold improvements.

Read the guide: The Canada Small Business Financing Program: how it works and which lenders offer it5 min

Verified first, then claimed, then listed. Rank is never sold.How sorting works

Pillar CapitalLevr partner

Pillar Capital Corp. is a privately held lending company that provides fast, flexible, short/medium term loans to businesses in Canada.

Revenue based fundersTerm loansCanada Small Business Financing Program

Calgary, AB

Levr partneron LevrCalgary, AB

TIMIA CapitalLevr partner

TIMIA lends to recurring-revenue technology companies in the United States and Canada. It offers an amortizing growth loan and an interest-only structure with a maturity balloon.

Revenue based fundersWorking capital loansCanada Small Business Financing Program

Vancouver, BC

Levr partneron LevrVancouver, BC

2M7 Financial SolutionsListed

2M7 directly provides Canadian merchant cash advances with fixed or sales-linked payments. The payment choice changes how a fall in revenue affects withdrawals.

Online lendersRevenue based financingCanada Small Business Financing ProgramUnclaimed

North York, ON

Listedfrom public recordsNorth York, ON

Access Money CanadaListed

Ottawa business lender offering working capital loans, merchant cash advances, invoice factoring and equipment financing to local small and medium businesses.

Broker and lenderFactoring companiesWorking capital loansRevenue based financingUnclaimed

Ottawa, ON

Listedfrom public recordsOttawa, ON

Accord FinancialListed

Accord provides Canadian equipment finance and asset-based working capital. Program-specific limits are materially different from the smaller fast-financing banner on its website.

Equipment lessorsEquipment financingWorking capital loansUnclaimed

Toronto, ON

Listedfrom public recordsToronto, ON

Alberta Indian Investment CorporationListed

AIIC lends to eligible First Nations entrepreneurs in Alberta for startups, acquisitions and expansion. A separate grant program can supplement a loan and applicant equity.

Direct business lendersEquipment financingWorking capital loansUnclaimed

Enoch, AB

Listedfrom public recordsEnoch, AB

Alberta Women EntrepreneursListed

AWE provides repayable business financing for women who majority-own Alberta businesses, including market-ready startups. Its application process includes planning and financial review.

Direct business lendersTerm loansEquipment financingUnclaimed

Edmonton, AB

Listedfrom public recordsEdmonton, AB

All Nations Trust CompanyListed

ANTCO builds financing packages for Indigenous entrepreneurs and communities within its British Columbia service area. Packages may combine commercial loans with separately qualified grant or principal contributions.

Direct business lendersTerm loansStartup fundingUnclaimed

Kamloops, BC

Listedfrom public recordsKamloops, BC

ATB FinancialListed

ATB offers secured business term loans, operating credit and Canada Small Business Financing Program loans. Match the program to the expense and distinguish the loan term from its amortization.

BanksCanada Small Business Financing ProgramBusiness lines of creditUnclaimed

Edmonton, AB

Listedfrom public recordsEdmonton, AB

Axiom LeasingListed

Axiom Leasing offers equipment leases, loans and sale-leasebacks for small and midsize businesses, including applicants rebuilding credit.

Equipment lessorsEquipment financingTerm loansUnclaimed

Oakville, ON

Listedfrom public recordsOakville, ON

Calidon Equipment LeasingListed

Calidon leases agricultural, construction and commercial equipment in Western Canada. Payment frequency and early buyout options are central to its published offering.

Equipment lessorsEquipment financingCanada Small Business Financing ProgramUnclaimed

Saskatoon, SK

Listedfrom public recordsSaskatoon, SK

CanaCapListed

Toronto direct funder providing unsecured business financing for inventory, equipment, renovations, expansion and operating cash flow needs of Canadian small businesses.

Direct business lendersWorking capital loansRevenue based financingUnclaimed

Toronto, ON

Listedfrom public recordsToronto, ON

Canadian Dominion LeasingListed

Canadian Dominion Leasing provides direct small-ticket finance and arranges larger transactions. Its FAQ describes broad platform ranges that include partner-funded leases.

Broker and lenderEquipment lessorsEquipment financingAsset based lendingUnclaimed

Burlington, ON

Listedfrom public recordsBurlington, ON

Canadian Equipment FinanceListed

Canadian Equipment Finance combines its own capital with outside funding partners for Canadian equipment transactions. The published range describes the platform’s total capacity, not exclusively its direct lending.

Broker and lenderFactoring companiesEquipment financingTerm loansUnclaimed

Breslau, ON

Listedfrom public recordsBreslau, ON

Canadian Western Bank (now National Bank)Listed

Canadian Western Bank is now part of National Bank of Canada. This profile preserves the former brand for people researching CWB; it should not be counted as an independent lending alternative to National Bank.

BanksUnclaimed

Edmonton, AB

Listedfrom public recordsEdmonton, AB

Capital NowListed

Capital Now buys Canadian business invoices and also offers supplier-payment financing. Customer credit and invoice support are central to its process.

Factoring companiesInvoice factoringWorking capital loansUnclaimed

Calgary, AB

Listedfrom public recordsCalgary, AB

Clarence Campeau Development FundListed

CCDF provides business loans and complementary grants for Saskatchewan Métis entrepreneurs. Grant assistance requires an approved loan rather than a standalone application for free capital.

Direct business lendersTerm loansStartup fundingUnclaimed

Saskatchewan

Listedfrom public recordsSaskatchewan

Conexus Credit UnionListed

Conexus provides Saskatchewan businesses with revolving operating credit, term financing and Canada Small Business Financing loans. Its current website reflects the January 2026 amalgamation with Cornerstone and Synergy.

Credit unionsCanada Small Business Financing ProgramEquipment financingUnclaimed

Regina, SK

Listedfrom public recordsRegina, SK

eLease Financial CorporationListed

eLease provides Canadian equipment leases, sale-leasebacks and preapproved equipment lines. Auction approvals may be transferred to another purchase if a bid fails.

Equipment lessorsEquipment financingWorking capital loansUnclaimed

Warkworth, ON

Listedfrom public recordsWarkworth, ON

Espressso CapitalListed

Espresso Capital provides growth debt for technology companies, including operating lines and term facilities with optional warrant-free structures.

Asset based lendersWorking capital loansCanada Small Business Financing ProgramUnclaimed

Toronto, ON

Listedfrom public recordsToronto, ON

Essex Lease FinancialListed

Essex provides equipment loans, leases and asset-based revolving credit from Western Canada through Ontario. It finances purchases and can release equity from assets already owned.

Equipment lessorsEquipment financingAsset based lendingUnclaimed

Calgary, AB

Listedfrom public recordsCalgary, AB

Everyday Equipment FinanceListed

Toronto alternative lender providing equipment and asset backed financing to small and midsized businesses across nine Canadian provinces.

Equipment lessorsEquipment financingAsset based lendingUnclaimed

Toronto, ON

Listedfrom public recordsToronto, ON

First Capital LeasingListed

First Capital Leasing provides equipment and vehicle leases, including sale-leasebacks and seasonal structures. It serves startups as well as larger companies through a financing network.

Broker and lenderEquipment lessorsEquipment financingTerm loansUnclaimed

Calgary, AB

Listedfrom public recordsCalgary, AB

Garrington CapitalListed

Garrington Capital supplies direct asset-backed funding across Canada and the United States, with distinct maximums for working-capital and equipment programs.

Factoring companiesAsset based lendingInvoice factoringUnclaimed

Toronto, ON

Listedfrom public recordsToronto, ON

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Canada small business at a glance

Typical range: CA$10k to CA$1.15M
Who lends it: Banks, Credit unions
Typical time to funding: Two to six weeks
Verified: 2

Where these lenders are

Ontario20 Alberta9 British Columbia8 Saskatchewan6 Manitoba4 Nova Scotia1 Quebec1

Before you choose

Bank, credit union or online lender: which one fits your business6 min Business lines of credit: how lenders size and price them4 min Business term loans: who lends them and what they look for5 min Buying a business: acquisition lenders and how they underwrite the deal5 min

All guides

All loan types

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Who offers Canada Small Business Financing Program loans?

Chartered banks, credit unions and caisses populaires that participate in the federal program, with BDC and alternative lenders beside them.

What do Canadian small business lenders look for?

Cash flow that covers the payment, an eligible purpose such as equipment or leaseholds, revenue under CA$10 million and your personal credit.

How does a lender get on the register?

Entries start from public records. Standing rises as the lender claims its entry, adds its loan officers and verifies its details.

How many Canadian small business lenders are on the register?

49 today, with 17 loan officers who work at them, across the US and Canada. Any lender can claim its entry and correct its details.