Explore business loan options
The Business Loan Vault

Unlock capital
for your
business.
Unlock capital for your business.

Find your combination for business capital. Compare loan options and prepare to get your business funded.

Explore business loan options

Apply yourself. Add broker support at no extra cost for that support.

01 / Find your combination

Your business.
Your plans.
Your combination.
Find your capital combination.

Your goal. Your business. Your funding needs.
Build a loan plan one answer at a time.

Start my application
02 / Understand the numbers

Make the
numbers
make sense.
Make the numbers make sense.

Compare business loan costs. Decode the terms.
Know what to ask before you borrow.

Open the Capital Files
88 open dossiers. Knowledge worth keeping.
03 / Open up your options

Unlock capital.
Build your business.
Unlock capital.
Build your business.

Explore business loan options and prepare your application. Go at your pace, with broker support when you want it.

Review business loan options ↓

Explore possibilities. Approval and terms are determined by lenders.

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Loan options
24 business loan & financing options

We’ll help you find
the right financing
for your business.

More ways to fund what comes next. Explore your options, understand how they work, and start your application when you’re ready.

See all 24 financing options
24 LOAN & FINANCING OPTIONSONE VAULT / MANY WAYS TO FUND
FILE01OF 24
FILE 01 / 24U.S. & Canada

Business term loans

One planned investment. A repayment schedule you can model. Understand the structure before choosing the amount.

LENDER EXAMPLES
Learn more
FILE 02 / 24U.S. & Canada

Business lines of credit

Reusable borrowing capacity for the gaps between money going out and money coming in.

LENDER EXAMPLES
Learn more
FILE 03 / 24U.S. & Canada

Equipment financing

Put productive assets to work while understanding ownership, security, and the full repayment schedule.

LENDER EXAMPLES
Learn more
FILE 04 / 24U.S. & Canada

Invoice factoring

Turn eligible unpaid invoices into earlier cash, with a close look at fees and collection responsibility.

LENDER EXAMPLES
Learn more
FILE 05 / 24U.S. & Canada

Accounts receivable financing

Borrow against eligible receivables while keeping the borrowing base and customer cycle visible.

LENDER EXAMPLES
Learn more
FILE 06 / 24U.S. & Canada

Asset-based lending

A financing structure built around eligible assets and disciplined reporting.

LENDER EXAMPLES
Learn more
FILE 07 / 24United States

SBA 7(a) loans

Understand the U.S. program, the lender’s role, and the questions that determine fit.

LENDER EXAMPLES
Learn more
FILE 08 / 24United States

SBA 504 loans

A U.S. financing route for qualifying major fixed-asset projects.

EXPLORE THE STRUCTURE
United States
Learn more
FILE 09 / 24United States

SBA microloans

Smaller U.S. loans delivered by intermediaries, often with practical business support.

EXPLORE THE STRUCTURE
United States
Learn more
FILE 10 / 24Canada

Canada Small Business Financing Program

A Canadian risk-sharing program delivered through financial institutions.

EXPLORE THE STRUCTURE
Canada
Learn more
FILE 11 / 24U.S. & Canada

Working capital loans

Finance the operating cycle with a clear source of repayment.

EXPLORE THE STRUCTURE
U.S. & Canada
Learn more
FILE 12 / 24U.S. & Canada

Merchant cash advances

Understand purchased-receipts structures, payment pressure, and the full cost.

LENDER EXAMPLES
Learn more
FILE 13 / 24U.S. & Canada

Revenue-based financing

Funding linked to business revenue, with the details defined by the contract.

LENDER EXAMPLES
Learn more
FILE 14 / 24U.S. & Canada

Venture debt

Debt for a specific stage and capital plan, not a substitute for every equity round.

LENDER EXAMPLES
Learn more
FILE 15 / 24Canada

SR&ED financing

Bridge an expected Canadian tax-credit cash flow with a careful review of claim risk.

LENDER EXAMPLES
Learn more
FILE 16 / 24U.S. & Canada

Purchase order financing

Finance the cost of fulfilling a confirmed order before the customer pays.

EXPLORE THE STRUCTURE
U.S. & Canada
Learn more
FILE 17 / 24U.S. & Canada

Inventory financing

Borrow around stock that can be valued, tracked, and sold.

EXPLORE THE STRUCTURE
U.S. & Canada
Learn more
FILE 18 / 24U.S. & Canada

Commercial real estate financing

Separate the property transaction from the cash the operating business still needs.

EXPLORE THE STRUCTURE
U.S. & Canada
Learn more
FILE 19 / 24U.S. & Canada

Business acquisition financing

Build the financing around verified earnings, transition risk, and the full purchase structure.

EXPLORE THE STRUCTURE
U.S. & Canada
Learn more
FILE 20 / 24U.S. & Canada

Franchise financing

A recognizable brand still needs a location-level cash-flow plan.

EXPLORE THE STRUCTURE
U.S. & Canada
Learn more
FILE 21 / 24U.S. & Canada

Construction financing

Match staged draws to a project budget, inspection process, and credible completion plan.

EXPLORE THE STRUCTURE
U.S. & Canada
Learn more
FILE 22 / 24U.S. & Canada

Bridge financing

Short-term funding is only as strong as its credible exit.

EXPLORE THE STRUCTURE
U.S. & Canada
Learn more
FILE 23 / 24U.S. & Canada

Business credit cards

Convenient payment tools with terms that deserve the same scrutiny as other borrowing.

LENDER EXAMPLES
Learn more
FILE 24 / 24U.S. & Canada

Export financing

Support international orders while accounting for payment, currency, and country risk.

EXPLORE THE STRUCTURE
U.S. & Canada
Learn more
VAULT24 FILES · ALL OPEN
Swipe a file or use the arrows to flip.24 files browse automatically. Hover a tab to choose another.

Up next
Find your financing type

24 options. One place to start.

Choose a file for a closer look.

Lender logos illustrate financing categories. Availability depends on market, eligibility and lender review; logos do not guarantee an available offer.

Explore every financing guide
How it works

Your application.
A clearer path to capital.

Less retyping. Smarter lender matching. Use AI to turn existing documents into a prepared application, and keep your business file ready for what comes next.

01

One application. Less paperwork.

Drag and drop documents you already have into your secure workspace. AI extracts key details to help auto-populate your application. Review the information, then keep your business file saved for future funding needs.

02

AI helps find your financing combination.

AI-assisted matching compares your business information with available lender criteria to identify potential financing options. Explore the possibilities in one place.

03

Smart technology. Real people.

Review the AI-prepared information, complete any lender-specific requirements and choose where to apply. Add a broker whenever you want help preparing your file or understanding your options.

04

Your capital. Your decision.

Review any offers with a clear view of costs, payments and obligations. You choose whether to move forward; each lender makes its own financing decision.

Broker support adds no additional cost for that support. Lender interest and fees may apply. Matching is not a lending decision.

VAULTYour application
ARF FinancialBackdBonsai GrowthFlow CapitalKeepMerchant GrowthPillar Capital Corp.Timia Capital
One application. AI-assisted lender matching.Illustrative lender matches
A CLOSER LOOK / THE COMBINATION
THE DETAILS MAKE THE DIFFERENCE.
The Capital Files

We help you
crack the code.

Business loans shouldn’t feel like a mystery. Understand your options, decode borrowing costs and prepare a stronger application. Earn silver keys as you build your knowledge.

Explore all 88 dossiers ↗

Every file is open. Keys celebrate learning, not loan eligibility.

Your journey. Your choice.

Your business loan.
Your choice of support.

You can do this yourself. You can also bring in a business loan broker to help you understand your options and prepare your application.

No additional cost for broker support.
Lender interest and product fees may apply.

Start my application
THE PEOPLE BEHIND THE PLATFORMMeet the team ↗
Kaylan Pepin

Kaylan Pepin

Business lending experience. A founder’s view of what it takes to build.

Read Kaylan’s bio
Shane Stoneman

Shane Stoneman

Commercial lending experience from BDC, focused on the businesses behind the numbers.

Read Shane’s bio
Roman Hartmann

Roman Hartmann

Engineering, data, and the technology that connects a funding journey.

Read Roman’s bio
Unlock capital for your business

Business loans.
Find your combination.

Explore your business loan options. Start your application on your own, with broker support when you want it.

Start my application
The Business Loan Vault credentials

Your information deserves
protection.

Business loan applications contain sensitive information. The Business Loan Vault protects it with encrypted data, controlled access and independently reviewed security practices.

Encryption

Application data is encrypted in transit and at rest.

Controlled access

Permissions determine who can work with a file.

Deliberate sharing

Lenders see the applications submitted to them.

Review the evidence for the systems, services and review periods covered.

How your information is handled ↗