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Mortgage Squad Advisors
Business Loans

Capital for Canadian businesses — without the bank runaround.

Working capital, term loans, BDC-partner financing, equipment leases, and real-estate-secured business loans. We shop the entire Canadian SME lender network so you only have to apply once.

Fund in 7-21 days·30+ SME lender partners· FSRA Licensed #13737
TL;DR

Need $25k-$5M for working capital, growth, or equipment? We map your file across 30+ Canadian SME lenders (banks, monolines, BDC, alt-A, private). Most files close in 7-21 days. No-pull pre-qualification, full fee disclosure, and an advisor who picks up the phone.

No-pull pre-qual Written quotes $0 to you
$1.8B
Funded volume since 2004
30+
SME lender partners
7-21d
Typical close window
5★
Five-star reviewed
What we arrange

Eight ways to fund your business.

Not every business needs the same product. We start by understanding the use of funds, then match you to the lender and structure that wins on rate AND terms.

Working Capital

Revolving lines of credit secured against revenue. Pay interest on what you draw.

$25k – $250k5-10 days

Term Loans

Fixed-amount, fixed-term capital for growth, expansion, or acquisitions. 1-7 year amortization.

$100k – $5M14-21 days

Real-Estate-Secured

Use your owner-occupied commercial or residential as collateral for a lower-rate business line.

$200k – $5M21-35 days

Equipment Financing

Leases or term loans for vehicles, machinery, technology, dental, restaurant fit-outs.

$10k – $2M7-14 days

BDC Partnership Loans

Below-market rates via the Business Development Bank of Canada. We handle the application.

$100k – $5M21-35 days

Acquisition Financing

Funding to buy out a partner, acquire a competitor, or roll-up adjacent SMEs.

$250k – $5M+30-60 days

Receivables Factoring

Convert outstanding A/R into immediate cash at 1-3% per 30 days, no debt on books.

$25k – $1M5-7 days

MCA Alternatives

Better-priced alternatives to merchant cash advances. No daily card-swipe holdback.

$25k – $500k5-10 days
Industries we know

We know your industry's quirks.

Lenders price based on industry codes (NAICS). Knowing which lenders are appetite-friendly to your sector saves rate and avoids declines.

🏗️
Construction & Trades
Project-based cashflow lending
🍽️
Restaurants & Hospitality
Seasonal-aware structures
🏥
Medical & Dental
Equipment + buy-in financing
💻
Technology & SaaS
Recurring-revenue underwriting
🏭
Manufacturing
Equipment + receivables stack
🚚
Transportation & Logistics
Fleet financing + working capital
🛒
Retail & E-commerce
Inventory-backed lines
💼
Professional Services
AR-friendly working capital
How it works

Five steps. No bank runaround.

From "I need capital" to funded — typically two to three weeks. Faster on simpler files, slower on complex secured deals.

1

5-minute intake

We scope use-of-funds, revenue, time-in-business, collateral. No credit pull.

2

Lender shortlist

Within 24-48h: 3-4 lenders sized for your file with rate ranges and conditions.

3

Document pull

Tight checklist — banking, financials, ID, property/equipment if applicable.

4

Term sheets

Written quotes from selected lenders. Side-by-side comparison.

5

Funded

You sign. Funds disburse to your business account or to a third party.

Why a broker beats your bank

Your bank knows one lender. We know thirty.

Capability
Mortgage Squad Advisors
Your bank
Lenders shopped
30+ across all asset types
1
Time to first quote
24-48 hours
2-3 weeks
BDC partnership financing
Yes — pre-vetted relationships
Sometimes, slower process
Real-estate-secured business loans
Up to 80% LTV from MIC partners + A-lenders
Limited
Equipment financing
Lease vs loan modelled both ways
Loan only
Industry-friendly lenders
Matched by NAICS code
One blanket policy
Cost to you
$0 — lenders pay finder fees on funded files
Origination fees + legal

"We needed $480k of working capital to take on a major contract. Our bank wanted six weeks and a personal guarantee for the full amount. Mortgage Squad Advisors shopped six lenders, came back with three written quotes in 36 hours, and we closed an unsecured line in 11 days at a rate below what our bank quoted. The contract delivered — and we kept growing."

— Karim S., Owner, Industrial Coatings Inc., Mississauga ON
FAQ

Common questions, answered.

How much can I borrow with a business loan in Canada?
Unsecured working-capital lines typically range from $25,000 to $250,000 depending on revenue and time-in-business. Secured term loans (real estate, equipment, or accounts-receivable backed) can go up to $5M+. We size facilities against your specific cashflow and collateral position rather than applying a one-size-fits-all cap.
How fast can a business loan close?
Working-capital lines and merchant cash-advance alternatives typically fund in 5-10 business days once documents are in. Secured term loans (real-estate or equipment-backed) close in 14-21 days. Power-of-sale and emergency bridge needs can close in 7-14 days through our private lender network.
Do I need to put up my home as collateral?
Not necessarily. Many of our SME clients qualify for unsecured working-capital lines based on revenue and time-in-business alone. Real-estate collateralization is one option among several — we use it only when the math improves materially (lower rate, longer amortization, larger limit).
What documents do I need to apply?
For unsecured: 6 months of business banking, year-to-date P&L, two years of T2 corporate financials (or T1 + T2125 for sole props), and government-issued ID. For secured: add property assessment or equipment invoices. We'll send a precise checklist after a 5-minute intake — usually shorter than what your bank asks for.
Will applying hurt my personal credit?
Pre-qualification is no-pull. Most business credit decisions rely primarily on business credit + cashflow, with a soft personal-credit check only at full underwriting. Multiple lender shops are bundled within 14 days by Equifax/TransUnion, so you can compare without taking multiple hits.
What rates can I expect?
Working-capital lines: roughly Prime + 2.5% to Prime + 6% based on file strength. Secured term loans: 6% to 9% on real-estate-backed, 7% to 12% on equipment, 8% to 14% on receivables. BDC partnership financing prices below market for qualified files. We disclose every quote in writing before you sign.
Can you help if my bank already declined me?
Yes — that's a meaningful share of the files we close. Bank declines often happen for structural reasons (industry code, time-in-business, missing GAAP financials) that alternative lenders treat differently. We have established relationships with 30+ alt lenders specifically for these scenarios.
Do you work with start-ups under 2 years?
Yes — though structures shift. Under 2 years usually means stronger personal guarantees, BDC start-up financing programs, equipment-secured term loans, or owner-occupied commercial real-estate paths. We've placed many sub-2-year files; we just structure them differently from mature businesses.

Talk to a senior broker today.

5-minute call. No credit pull. Real lender shortlist within 48 hours.

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