06/11/2026
What Is a Working Capital Loan?
Simply put, a working capital loan gives your business access to a lump sum of cash for any business purpose. Unlike equipment leasing, it’s not tied to a specific asset. Instead, it’s flexible funding for whatever your business needs right now.
Through Mintage Capital’s Capital Term Financing, powered by Merchant Growth, eligible Canadian businesses can access between $5,000 and $800,000 (OAC). Approval and funding are possible in as little as 24 hours. The application takes just 5 minutes and does not impact your credit score.
It works similarly to a fixed-rate loan: you receive a lump sum up front and repay it over a term of 6 to 24 months through flexible, automatic payments. Additionally, once you’ve repaid approximately one-third (1/3) of your balance, you may qualify for a top-up, extra capital to keep your momentum going.
Mintage Capital works with owner-operators, self-employed professionals, and small business owners across Canada. You deal with one advisor, start to finish. Your best interest always comes first. Ready to explore your options? Visit our Capital Term Financing page to learn more, or contact Mintage Capital today, we’ll walk you through your options with no pressure and no obligation.