The AI-First Business Funding Platform for Canada
Most business owners spend weeks chasing funding and still get rejected by the wrong lenders. LendrIQ matches your file to the right lenders in minutes, and some of them can fund within 24 hours of approving it*.
See if you qualify in minutes. No credit check. And if you're not ready yet, we'll show you exactly what you need.
*Once we have all your documents. Timing depends on how quickly they come in.
*Once we have all your documents. Timing depends on how quickly they come in.
Get Your Free AssessmentHow It Works
Get funded in three simple steps
Apply in Minutes
Complete our simple, secure application in under 5 minutes. No lengthy questionnaires, no complex financial jargon. Just the essential details about your business — and we handle the rest.
Get Matched to the Right Lender
Our AI-powered platform analyzes your application and matches you with the lenders in our network whose criteria fit your file, not just whoever has inventory to fill.
Get Your Money Moving
Once a lender approves, it deposits the funds directly into your business account. Some lenders fund within 24 hours of approval*. No waiting weeks. No celebrating too early.
*Once we have all your documents. Timing depends on how quickly they come in.
Financing Solutions
Tell people which solution is right for their situation
Working Capital
Running a business means managing cash flow even when revenue isn't perfectly timed. Working capital financing gives you the liquidity to cover payroll, inventory, suppliers, and operational gaps — without touching your personal savings or disrupting long-term growth plans.
- ✓$10K–$500K available
- ✓Lenders that can move quickly
- ✓Flexible repayment terms
Term Loans
When you have a clear vision — new equipment, a second location, a major renovation — you need capital with structure. A term loan gives you a defined lump sum with predictable repayment so you can budget with confidence and execute with momentum.
- ✓Up to $1M available
- ✓Competitive fixed rates
- ✓1–5 year terms
Equipment Financing
Equipment is one of the most high-value, high-cost needs in any physical business. Equipment financing lets you acquire the machinery, vehicles, or technology you need now, while spreading the cost over time — and in many cases, the equipment itself serves as collateral, making approval faster and more accessible.
- ✓100% financing available
- ✓Preserve working capital
- ✓Tax advantages (CCA eligible)
Merchant Cash Advance
A Merchant Cash Advance (MCA) is one of the most misunderstood — and most powerful — funding tools for revenue-generating businesses. Instead of fixed monthly payments, repayment flexes with your daily sales. When business is strong, you pay more. When it slows, so does your repayment.
- ✓No fixed repayment schedule
- ✓Lenders that can move quickly*
- ✓Based on revenue, not just credit
*Once we have all your documents. Timing depends on how quickly they come in.
Invoice Financing
If you're sitting on outstanding invoices while trying to cover operations, you already have the money — it's just not in your account yet. Invoice financing (also called invoice factoring) advances you up to 90% of the value of your outstanding invoices so you can keep moving without waiting on slow-paying clients.
- ✓Up to 90% advance on invoice value
- ✓Improves cash flow immediately
- ✓No long-term debt commitment
Real Estate Financing
Commercial real estate financing for Canadian businesses — from property acquisition and construction loans to bridge financing and refinancing. We're building partnerships with Canada's top commercial lenders to bring you competitive rates and flexible terms.
- ✓Commercial property acquisition
- ✓Construction & renovation loans
- ✓Bridge financing available
Why Choose LendrIQ
Because you deserve a funding partner that works as hard as you do.
Lightning Fast
Traditional bank financing can take 4 to 8 weeks and still end in a no. A person at LendrIQ reads every file the same day, and some lenders on our panel fund within 24 hours of approval*. Because when opportunity knocks, it doesn't wait around.
*Once we have all your documents. Timing depends on how quickly they come in.
A Panel of Canadian Lenders
We work with Canadian and alternative lenders across working capital, term loans, equipment and invoice financing. Your file goes to the ones whose criteria fit it, instead of to one bank.
Options That Fit Your Business
We send your file only to lenders whose criteria it fits, so the options you see make sense for your cash flow. You never pay to apply.
A Human in Your Corner
Technology gets you matched. Our financing advisors build your file and present it to lenders. From application to the lender's decision, a dedicated expert guides you through every step, answering questions, advocating on your behalf and making sure nothing slips through the cracks.
Industries We Serve
Every industry has a different cash flow story. Lenders read each one differently, and we know what they look for.
Why Businesses Trust LendrIQ
No unverifiable claims. Just the facts behind our platform, while we build a library of real client stories shared with permission.
$500M+
Deployed by the lenders in our network
2021
Serving Canadian Businesses Since
6
Industries Served
$0
No Upfront Fees
Ready to Grow Your Business?
You've built something worth investing in. Whether you need $10,000 or $1 million, we'll look for the lenders whose financing fits your business and your timeline.
Not sure you are ready? Take the free 3-minute readiness check