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Get Up To $300k In Short-Term Funding In Less Than 24 Hours - Claim this offer

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Get Up To $300k In Short-Term Funding In Less Than 24 Hours - Claim this offer

Journey Capital Overview

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Journey Capital is an online lending firm that helps Canadian small and medium-sized businesses grow. Journey Capital is committed to quick, convenient financing solutions, and it offers many different credit products that have been designed to meet the needs of entrepreneurs and businesses across Canada.

Since it was founded in 2009, Journey Capital has helped many Canadian businesses evolve through its quick, convenient, and tailored financing solutions.

Journey Capital has a deep understanding of the challenges faced by Canadian entrepreneurs, and so it has positioned itself as a partner in growth. Journey Capital Canada is committed to personalized service, having crafted a lending experience that stands apart in the financial services industry.

Journey Capital features

Journey Capital employs an innovative and flexible approach to business financing and a genuine commitment to the success of Canadian entrepreneurs. One of the most breathtaking features of Journey Capital is its diverse credit options, which offer three primary credit products, each designed to address specific business needs:

  • Business Term Loan: This product is ideal for businesses looking to fund planned projects or investments. With loan amounts ranging from $5,000 to $300,000 and term lengths of 4-24 months, it provides a short-term infusion of capital to help boost businesses to new heights.
  • Business Line of Credit: Offering financing on demand, this product provides businesses with a credit limit of up to $300,000. It’s perfect for managing cash flow, covering unexpected expenses, or seizing time-sensitive opportunities. The flexibility to draw funds as needed and only pay interest on the amount used makes it a versatile tool for business management.
  • Flex Funds Advance: This innovative product is tailored for businesses with seasonal fluctuations or unpredictable sales cycles. It provides upfront financing of $5,000 to $300,000 with a repayment structure tied to a percentage of daily card sales, allowing businesses to pay back faster when sales are strong and benefit from smaller payments during slower periods.

Another major strength of Journey Capital is its fast and accessible funding feature. The online application process takes just 10 minutes to complete. For approved applicants, funding can be available in as little as 24 hours.

This allows Canadian businesses to capitalize on opportunities quickly or address urgent needs without delay, as Journey Capital Canada gives businesses access to up to $300,000 in financing.

When it comes to making payments, Journey Capital offers adaptable repayment structures. Business term loans come with the choice of daily or weekly repayment schedules, which allows businesses to align their repayments with their cash flow.

journey capital - comparewise

The Business Line of Credit features two repayment options: a fixed weekly payment or a variable payment that decreases over time, giving businesses control over their repayment strategy.

The Flex Funds Advance ties repayment to a percentage of daily card sales, automatically adjusting to the business’s sales volume and providing relief during slower periods.

The initial application process uses a soft credit pull, which doesn’t affect the business’s credit score. This is a very good approach that allows businesses to see what they qualify for without any risks, and with no obligation to proceed.

Journey Capital offers Expert Support, where a team of dedicated lending advisors is available to discuss credit needs, explain options, and guide businesses through the application and decision-making process.

The online portal is user-friendly; it provides a centralized platform for managing all aspects of Journey Capital financing. Features include balance checking, repayment tracking, transaction reviews, and the ability to make draws on lines of credit.

For Business Line of Credit holders, funds can be withdrawn instantly via Interac e-Transfer, even during nights, weekends, and holidays.

Journey Capital offers the unique ability to combine credit products for businesses with diverse financial needs. The Dual Financing option allows businesses to pair a Business Line of Credit with either a Business Term Loan or a Flex Funds Advance.

This combination provides the stability of a term loan or advance for planned expenses, along with the flexibility of a line of credit for ongoing or unexpected needs.

Journey Capital values long-term relationships with its clients and has made accessing additional funds simple through Streamline Renewal, which offers up to $75,000 directly to the client’s online account for easy review and acceptance. The Self-Requested path allows clients to initiate a renewal request from their online account with just a few clicks.

Journey Capital acknowledges that its rates may be higher than those of traditional banks, but it commits to clear and upfront pricing.

They provide lending advisors who explain how pricing works in detail, ensuring businesses can make informed decisions. For Flex Funds Advance, the cost of lending is fixed upfront and does not increase, regardless of how long it takes to repay the advance.

Journey Capital service areas

Journey Capital Canada provides nationwide coverage for Canadian entrepreneurs.


  • Business Term Loans
  • Business Line of Credit
  • Flex Funds Advance
  • Financial advisory services
  • Online account management tools

Year in business

Founded in 2009, Journey Capital has over 15 years of lending experience.

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Service Areas

Alberta, British Columbia, Canada, Manitoba, New Brunswick, Newfoundland and Labrador, Northwest Territories, Nova Scotia, Nunavut, Online, Ontario, Prince Edward Island, Quebec, Saskatchewan, Yukon


  • Business Loan

Year in Business

Since 2007





FAQs about Journey Capital

What are the minimum qualifications for Journey Capital financing?

To qualify for financing with Journey Capital, businesses must be based in Canada and have a business bank account with a Canadian financial institution. You must also have at least 6 months of business history as the business owner, and your business should generate a minimum of $100,000 in annual sales. Lastly, you must have a personal credit score of at least 600.

How long does the application process take?

The online application is designed to be quick and user-friendly, typically taking less than 10 minutes to complete.

How quickly can I receive funds after approval?

Approved funds can be deposited into your business bank account in as little as 24 hours.

Does applying for financing affect my credit score?

No, applying for financing with Journey Capital does not impact your credit score. The company uses a soft credit pull during the initial application process, which allows you to see what you qualify for without affecting your credit score.

Can I have multiple credit products with Journey Capital?

Yes, Journey Capital offers dual financing options, allowing you to combine different credit products to suit your business needs. For example, you could pair a business line of credit with either a business term loan or a Flex Funds advance.

How can I contact Journey Capital?

Journey Capital contacts are available via their website. Or you can reach them via email at info@journeycapital.ca. The Journey Capital contact office is at 1100 René Lévesque Ouest, Suite 610, Montréal, Quebec, H3B 4N4 Business hours are Monday to Friday, 9 am to 6 pm ET.

Journey Capital Products

Journey Capital
Journey Capital
Loan Quote

Journey Capital Offices

Phone Number
(855) 704-7458
Office Hours
Monday - Friday: 9AM - 5PM
1100 René Lévesque Montreal Quebec Canada
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Journey Capital Details
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    (855) 704-7458
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    Monday - Friday: 9AM - 5PM
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    1100 René Lévesque Montreal Quebec Canada
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