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Funding That Actually Fits Your Business
- Approval in
24H
- No hidden
Fees
- All
Credit
- Up to
1M$
Get Funded in 3 Simple Steps
Get the funding your business needs — fast, simple, and without unnecessary paperwork.
- 01
Submit Your Application
Fill out a quick online form with basic business details — no complicated steps or long forms.• Fast online application
• Minimal documentation required
• No collateral required - 02
Review Your Offer
We analyze your business data and provide clear, tailored funding options — no hidden terms.• Decision within 24 hours
• Clear and transparent terms
• Multiple options to choose from - 03
Access Your Funds
Once approved, funds are sent directly to your account so you can focus on growing your business.• Funding in as little as 2–5 days
• Flexible repayment options
• Payments aligned with your revenue
Our Financing Solutions
Flexible financing solutions designed to support your business growth at every stage.
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Line of Credit
Access a revolving line of credit for ongoing business needs, offering flexibility, control, and fast funding when opportunity strikes.
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Invoice Factoring
Turn unpaid invoices into immediate cash flow with transparent, reliable factoring solutions tailored for growing Canadian businesses.
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Equipment Financing
Finance new or used equipment with affordable payments that preserve cash flow and help your business expand efficiently.
Working Capital
Get fast, flexible working capital to manage cash flow, cover expenses, and fuel growth for your Canadian small business.
Your Business Growth Comes First
Getting funding shouldn’t be stressful or complicated. We’ve created a simple and transparent process designed around your business — so you can get the capital you need without confusion, delays, or hidden conditions.
Spread out equipment costs over time
What you see is what you get. Clear terms from the start so you can make decisions with.
Fast Approvals. Real Support.
Get answers within hours, not weeks. Our team is here to guide you every step of the way.
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UMBRELLA FINANCE
What Our Clients Say
Get the funding your business needs — fast, simple, and without unnecessary paperwork.
Google 4.9
Trustpilot 4.6
Yelp 4.9
Jagmeet Singh
Operator, Horizon Logistics
Their professionalism stood out right away. They understood our industry very well and delivered funding with lowest rate we've ever seen.
Jessica Carter
Owner, Flower Dawn Cafe
Working with Umbrella made a real difference for our operations. They quickly understood our cash flow needs and provided a solution that helped us scale without delays. The process was smooth, transparent, and efficient from start to finish.
Anthony Khoury
President, In-Circle IT
Jason approached my business with sincere dedication. The entire process was conducted professionally, with transparency and a focus on sustainable success. The funding allowed me to replenish inventory without cash flow concerns.
Daniel St-Onge
Entrepreneur, St-Onge Contracting
Net 90 days invoices were killing my cashflow, the working capital received from Umbrella not only help me stay afloat but grown my business.
Flexible Funding for Businesses Across Canada
We help small businesses access fast and flexible funding tailored to their needs. Whether you're managing cash flow or planning your next stage of growth, we provide the support and capital to keep your business moving forward.
Industries We Serve
Restaurants
& Cafes.avif)
Retail
Stores.avif)
Trucking
& Logistics.avif)
Contractors
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Salons & Spas
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Ecommerce
Frequently Asked Questions
How fast can I get funded?
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?
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?
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?
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.
Get a Free Consultation for Your Business
Trust Proven by Results
See why businesses choose us for fast and reliable funding
Clear and honest communication
What you see is what you get. Clear terms from the start so you can make decisions with.
Funding solutions that make sense for the business
What you see is what you get. Clear terms from the start so you can make decisions with.
Fast access to capital without unnecessary complexity
What you see is what you get. Clear terms from the start so you can make decisions with.
Long term relationships, not one-time transactions
What you see is what you get. Clear terms from the start so you can make decisions with.
Business Funding Blog
Actionable insights and strategies to help you grow, scale, and manage your business finances with confidence.
