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Predictable Payments. Powerful Capital.

A Solid Capital term loan gives your Canadian business the lump-sum financing you need with clear, fixed repayment terms. Grow, acquire, or stabilize on your schedule.
Your Vision, Our CapitalWe offer flexible funding options, turning your vision into reality with strategic capital investments.

Our business term loans are designed for Canadian businesses that want straightforward financing. You receive a fixed amount, repay on a set schedule, and know exactly what your payments will be from day one. We offer terms ranging from short-term bridge financing to multi year growth capital up to $5,000,000.

How Term Loans Work

01

Apply online in 5 minutes

Tell us how much you need, what the funds are for, and share your basic business details. No mountains of paperwork.

02

Receive a Clear Offer Within Hours

A dedicated Solid Capital advisor reviews your application and presents a transparent term loan offer — fixed amount, fixed schedule, all fees disclosed upfront.

03

Review and Accept Your Terms

Take the time you need to review. No pressure. Sign digitally when you’re ready. Your advisor is available to walk you through every line.

04

Repayment flows automatically as a percentage of daily sales

Once accepted, funds are deposited directly to your Canadian business bank account — often within 24 hours.

Term Loan Details
Loan Amount
$5,000 – $5,000,000
Speed
Funding in as little as 24 hours
Term Length
3 months – 5 years
Repayment
Daily, weekly, or monthly structured to your cash flow
Credit
Challenged credit considered
Use of Funds
Expansion, equipment, payroll, inventory, acquisitions, and more
Is a Term Loan Right for You?
A business term loan from Solid Capital is ideal if you:
Need a predictable lump sum with fixed repayment terms you can plan around — no variable holdbacks or fluctuating payments
Are funding a specific growth initiative: expansion, acquisition, new location, hiring, or large inventory purchase
Want to consolidate multiple high-interest debts into a single, structured payment at a lower effective rate
Have been operating for at least 3 months with consistent revenue but have been declined by a traditional bank
Prefer the clarity of knowing exactly what you owe, when it’s due, and when the loan is fully paid off
Have challenged credit but a strong underlying business that a traditional lender’s algorithm won’t recognize
Term Loan vs. Traditional Bank Loan
FeaturesSolid CapitalTraditional Bank
Approval TimeAs fast as 24 hours2–8 weeks typical
Credit RequirementsChallenged credit considered680+ score typically required
Loan Amount$5,000 – $5,000,000Varies; often $50K+ minimum
Repayment FlexibilityDaily, weekly, or monthly Fixed monthly only
DocumentationBank statements + basic infoTax returns, financials, projections
Approval Rate89% of applicants approved~30–40% for Canadian SMEs
Who Qualifies
We work with businesses that have been operating for at least 3 months and can demonstrate regular revenue. We do not require perfect credit our underwriters evaluate the complete financial picture of your business.

FAQ

Have Questions?
We Have Answers.

Curious about securing funding or a mortgage with Solid Capital? We've compiled answers to frequently asked questions to guide you.

View all faq

Ready to get the funding your business deserves?

Apply in 5 minutes and get a decision today.No obligations, no impact to your credit score to apply.

No obligation. No impact to your credit score to apply.

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