Funding
questions.

It is a business funding marketplace. You submit one funding request, we review it and identify funding options from our network of funding providers, and we present the options that fit so you can compare and choose. Canary Financial is not a bank or direct lender — the funding provider you select handles underwriting, approval, and funding.

Six simple steps: (1) you submit one request; (2) we review it to understand your goals and profile; (3) suitable funding sources are identified; (4) available options are presented for you to compare; (5) you choose the option you prefer; (6) the funding provider handles underwriting, approval, closing, and funding.

Nothing. Submitting a funding request is free and does not obligate you to accept any offer.

Yes. Programs are available for businesses in both the US and Canada. Documentation can differ by country — for example, the number of recent bank statements requested — and some programs or terms may not be available in every region.

The core business programs are short-term financing, term loans, lines of credit, debt consolidation, and SBA loans. Separately, we offer real estate investor financing (such as DSCR, fix-and-flip, and bridge options). One application can be matched across programs.

Financing that provides working capital based on your business's sales and bank deposits, with flexible repayment. Illustrative terms run in the 3–12 month range with weekly payments. Actual terms and structure are determined by the funding provider.

Fixed-rate financing with predictable, scheduled payments and potential tax benefits. Illustrative terms commonly run 12–24 months with weekly, biweekly, or monthly payments. Your exact rate and term depend on how your file is underwritten by the provider.

A revolving facility: you are approved for a maximum amount and draw from it as you need, making payments only on what you have drawn. A traditional line lets you access funds whenever needed; a non-traditional line lets you draw the approved amount while additional availability opens up as updated financials are reviewed. Illustrative terms run in the 3–18 month range.

Consolidation combines multiple existing business balances into a single, simplified repayment plan. A reverse consolidation restructures existing positions to ease near-term payment pressure while your current obligations are paid down. Whether consolidation helps, and by how much, depends on your specific balances and is determined by the funding provider — there is no guaranteed savings amount.

Government-backed financing aimed at longer-term growth, commercial real estate, or refinancing. Illustrative terms are longer than other programs — commonly 5–10 years for working capital and up to 25 years for real estate — typically with monthly payments. Eligibility is more involved and is set by the SBA and the participating lender.

A merchant cash advance (MCA) advances capital against a percentage of future sales, usually with daily or weekly payments over a shorter window and higher cost. A term loan is financing repaid on a fixed schedule, generally with a lower, fixed rate, more predictable payments, and potential tax deductibility. Which is a better fit depends on your goals, cash flow, and profile.

Yes. Real estate investor financing is available for investment properties — including DSCR (qualified on the property's cash flow), fix-and-flip, and bridge options. You submit the deal details once and matched options are presented; the lender handles closing and funding.

As a general guideline, funding providers typically look for roughly a year or more in business, a credit profile that meets the program (often around 500+ for entry programs), consistent monthly bank deposits, and recent business bank statements, along with a signed, completed application from an owner holding a majority stake. These are typical guidelines, not guarantees — final eligibility is determined by the funding provider.

Yes. Entry programs such as short-term financing have the most flexible guidelines, while lines of credit and SBA loans generally look for more time in business, stronger credit, and additional documentation. We match your profile to the programs it fits.

Some programs offer monthly payment structures for stronger business profiles. Availability depends on the program, your profile, and your region, and is determined by the funding provider.

A signed, completed application with ownership verification is needed so your file can be underwritten. Your information is encrypted in transit and at rest and is used only to evaluate your request. If you have questions about a specific field, you can ask before completing the application.

Amounts vary widely by profile — illustratively from a few thousand dollars up into the millions for well-qualified US businesses, with lower ceilings in Canada and for first-time funding. The amount you qualify for is based on your revenue, time in business, credit, and overall profile and is set by the funding provider.

Rates and terms depend on the program and how your file underwrites — your deposits, credit, time in business, and the product you choose. Because Canary is not the lender, we do not quote a fixed rate; your specific rate and term are presented by the funding provider for your file.

Longer terms are available on some programs for stronger profiles. As a rule of thumb, longer terms tend to cost more overall, and many businesses land in a 9–12 month range as a balance of payment size and total cost. The available term is determined by the funding provider.

Many programs are unsecured, meaning no specific asset is pledged. Certain programs — such as SBA or real estate financing — may be secured. The structure is set by the program and the funding provider.

Some programs offer discounts for paying off early. Whether an incentive applies, and how it is calculated, varies by program and is determined by the funding provider.

It can be fast — in some cases the same day — once your completed application and recent business bank statements are in and your file is put into processing. Actual timing depends on the program, your documentation, and the funding provider.

Have your business details and the last 3–4 months of business bank statements handy (6 months in Canada), plus basic ownership information. Having these ready helps your file move quickly.

Once you select an option, the funding provider takes over: they handle underwriting, final approval, any closing steps, and funding directly with you.

No. Canary Financial is a funding marketplace and referral partner. Financing products may be offered through third-party lenders, funding marketplaces, referral partners, or lending partners. Approval, rates, terms, timing, and eligibility are determined solely by the applicable funding provider, and submitting a request does not guarantee approval or funding.

Comparing options costs nothing and puts you under no obligation. Submitting one request lets you see what else is available side by side, so you can decide whether another option is a better fit.

Submitting a request to Canary is informational. Any credit review is performed by the funding provider under the terms you agree to with them; they will tell you what type of inquiry, if any, is involved before you proceed.

The personal and business information you provide is encrypted in transit and at rest and is used only to evaluate your funding request and present suitable options.