Doted Shape

Smart Finance Solutions for Your Business

We help Canadian businesses access capital, credit lines, and tailored funding through personalized funding programs and trusted lending partners.

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Our Financing Solutions

Working Capital

Working Capital

Get fast, flexible working capital to manage cash flow, cover expenses, and fuel growth for your Canadian small business.

Equipment Financing

Equipment Financing

Finance new or used equipment with affordable payments that preserve cash flow and help your business expand efficiently.

Invoice Factoring

Invoice Factoring

Turn unpaid invoices into immediate cash flow with transparent, reliable factoring solutions tailored for growing Canadian businesses.

Line of Credit

Line of Credit

Access a revolving line of credit for ongoing business needs, offering flexibility, control, and fast funding when opportunity strikes.

What Makes Our Firm Stand Out From the Rest

1

Fast and Easy Process

Apply online in minutes and receive funding decisions within 24–48 hours.

2

Lowest Rate

We compare multiple funding partners to secure the most competitive rates.

3

No Hidden Fees

Transparent terms and straightforward agreements you’ll always know your true cost.

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Our Services Are Designed for Businesses of All Sizes

General Contractors

Capital solutions tailored for general contractors to manage materials, labor, and equipment costs while maintaining steady cash flow across ongoing and upcoming projects.

Freelancers & Creators business area

Restaurants

Reliable capital tailored for restaurants to handle payroll, restock inventory, and invest in growth without disruptions to daily service or customer experience.

small business

Logistics Providers

Fast, dependable capital designed for logistics providers to cover fuel, maintenance, and payroll while keeping deliveries on schedule and operations running smoothly.

Freelancers & Creators

Retail & E-commerce

Flexible funding built for retail and e-commerce growth, helping manage inventory cycles, marketing pushes, and seasonal demand while keeping cash flow steady year-round.

Freelancers & Creators

Crafting Success Stories Through Our Funding

Our journey began with a mission to empower entrepreneurs. Through strategic funding and lasting partnerships, we help businesses overcome challenges, seize opportunities, and craft success stories that inspire real growth.

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M+
Capital Funded

Empowering Canadian businesses nationwide with reliable funding and trusted financial growth partnerships.

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Canadian Business Funded

Supporting entrepreneurs nationwide with tailored capital solutions that drive stability, growth, and lasting success.

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Client Renewal

Building long-term relationships through transparent service, consistent results, and trusted funding experiences.

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Loved by Thousand of Entrepreneurs

Learn More

Horizon Group

Their professionalism stood out right away. They understood our payment cycles and delivered funding that kept our projects moving. It felt like working with a real partner, not just another broker.
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Chris perreira

CEO

In-Circle IT

Shayan treated my business with genuine care. The process was professional, transparent, and focused on long term success. The funding helped me restock inventory without worrying about cash flow.
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David Lee

President

Purple Market

The team at Umbrella approach felt honest from the start. They listened, asked the right questions, and delivered a funding solution that actually supported my goals. It felt like a true partnership.
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Daniel St-Onge

Entrepreneur

Frequently Asked Questions

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How fast can I get funded?

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Applications are reviewed within hours, and most approvals happen the same day. Once approved, funds are deposited within 24 to 48 hours, giving businesses immediate access to working capital when opportunities or challenges arise.

What if I have very bad credit?

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Bad credit doesn’t disqualify you. We work with credit scores as low as 450. Our focus is on your business performance, monthly revenue, and cash flow, helping owners secure reliable funding despite past credit challenges.

Do I need to provide collateral?

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Collateral isn’t required for most funding programs. Approval depends on consistent business performance and cash flow, not assets. This keeps your property protected while providing quick, unsecured access to the capital your business needs.

What types of businesses do you fund?

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We fund construction companies, logistics providers, restaurants, e-commerce brands, and professional services across Canada. Any business with consistent revenue and growth potential can qualify for personalized financing tailored to their cash flow needs.

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