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Choose Elect. Choose Growth.
Disrupting the lines
of traditional finance.
Most lenders make you wait weeks and jump through hoops. We don't.
At Elect Capital, we back ambition with capital that cuts through the noise. We deliver tailored, short-term and transparent funding for fast-growing businesses – to help you seize opportunity without the red tape.
Apply before 2pm, get an offer the same day
No hard credit checks
Up to $1,000,000 in funding
Speak directly with a Canadian-based specialist
Rated 4.4 / 5 on Trustpilot

“Elect Capital helped our business get funds quickly when needed, keeping in close contact with the account manager to help further when needed. Very recommended.”

“Having worked with Elect on multiple loans for my clients, he is very quick and reliable. Elect gets the job done quickly and smoothly, helping our clients with their funding requirements.”

Step 1 of 3

How much funding do you need?

$25,000$1,000,000

Applying is free and won't impact your credit score

4hrs
Fastest approval time
$1000k
Maximum funding amount
Same Day
Funding available
0
Hard credit checks
Why Elect Capital
The Funding Your Bank Won't Give You, at the Speed You Actually Need
Most Canadian businesses are turned down by their bank or wait weeks for an answer. Elect Capital exists to change that. We provide $25k–$1M in short-term working capital, approved and funded in as little as one business day.
Capital
Revenue-Based Funding, Not Credit-Based Lending
Banks look at your credit score. We look at your business. Elect evaluates your revenue, cash flow, and trading history to make fast, fair funding decisions, so a dip in your personal credit doesn't block your business from growing.
540
Personal Credit
Not the full picture
Business Revenue
Consistent growth
+24%
£250k Approved
Growth
Built for Speed, Not Bureaucracy
Traditional loans take weeks. We take hours. Apply in 2 Minutes, get a decision the same day, and receive capital before your bank even processes the paperwork. No meetings, no branch visits, no nonsense. Just the funding your business needs to move.
Application
2 Minutes online
Decision
Same business day
Funding
Capital in your account
Funding Solutions
Built for the Way You Do Business
Whether you need to bridge a gap, invest in growth, or keep operations running smoothly, we have a solution that fits.
How It Works
From Application to Funded in as Little as 4 Hours
No appointments. No waiting rooms. No jargon. Just a fast, transparent process designed for busy business owners who need capital now, not next month.
1. Apply in 2 Minutes
Fill out a short online form with no paperwork, no branch visits, and no hard credit pull. We ask about your business, not your personal life.
APPROVED
2. Same-Day Decision
We assess your revenue, cash flow, and trading history, not just a credit score. Apply before 2pm and get an answer the same business day.
$
24,500
274,500
3. Funds in Your Account
Once you accept your offer, capital lands in your business account, often within hours. No waiting weeks. No chasing paperwork.
Industries We Serve
Fast Funding for Every Sector, Tailored to How Your Industry Actually Works
Every industry has its own cash flow rhythm. We understand the unique pressures of your sector and deliver capital that works with your business cycle, not against it.
Don't see your industry? We fund businesses across all sectors. If you meet our eligibility criteria, we want to hear from you.
Eligibility
Do You Qualify? Most Established Canadian businesses Do.
You don't need perfect credit, property as collateral, or years of financial statements. If your business is generating revenue and has been trading for at least a year, you're likely eligible.
We look at the health of your business: your monthly revenue, your cash flow patterns, and your trading momentum. That allows us to make fast, fair decisions that high-street banks simply can't match.
12+
Months in business
$25k+
Monthly revenue
$1000k
Funding available
Funded
$165,000
Restaurant & Hospitality
TorontoOct 2025
Funded
$115,000
E-commerce & Retail
VancouverNov 2025
Funded
$290,000
Manufacturing
CalgaryDec 2025
Funded
$80,000
Healthcare
MontrealJan 2026
Funded
$210,000
Construction
OttawaJan 2026
Funded
$130,000
Hospitality & Leisure
HalifaxFeb 2026
FAQ
Frequently Asked Questions
Answers to the most common questions Canadian business owners ask about our funding process.
If you apply before 2pm local time, you can receive an offer the same day. Once approved, funding can be in your account within hours. Many Canadian businesses receive capital the same day they apply.
No. We perform a soft credit check during the initial application, which does not affect your credit score. We only run a full credit check if you decide to proceed with an offer, and we'll always let you know before we do.
We fund registered limited companies and partnerships across a wide range of industries including restaurants, retail, manufacturing, healthcare, hospitality, construction, professional services, and technology. Your business should have been trading for at least 12 months with a minimum monthly revenue of $25,000.
Elect Capital provides working capital from $25,000 up to $1,000,000. The amount you're eligible for depends on your business performance, monthly revenue, and trading history, not just your personal credit score.
No. Our unsecured business financing solutions do not require collateral, property, or assets as security. Funding decisions are based on your business performance and cash flow, not personal guarantees.
To qualify, your business must: (1) be registered in Canada as a business entity, (2) have been trading for at least 12 months, and (3) have a minimum monthly revenue of $25,000. We evaluate your business performance holistically, not just credit scores.
We earn a fee from our lending partners when we successfully match a business with funding. There are no hidden charges to you during the application process, and we're transparent about all terms before you commit.
Choose Elect.
Choose Growth.
Capital that moves as fast as you do. One click away from the next opportunity.
Apply NowPartner With Us
Elect Capital
hello@electcapital.ca+1 (437) 837-2406

Canada Head Office:
30 Adelaide St. East, 12th Floor
Toronto, ON
M5C 3G8, Canada

Rated 4.4 / 5 on Trustpilot
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Elect Capital provides business funding solutions for Canadian businesses. Product availability, underwriting criteria, and terms vary by province and applicant profile. We may pay commission to introducers or referral partners where permitted by applicable law.

Elect Capital provides financing solutions to Canada SMEs, operating transparently in accordance with applicable laws and regulations.

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