Intelligent Capital for Canadian Businesses
Most business owners spend weeks chasing funding and still get rejected by the wrong lenders. LendrIQ matches you with the right capital in minutes — and gets you funded in as little as 24 hours.
How It Works
Get funded in three simple steps
Apply in Minutes
Complete our simple, secure application in under 5 minutes. No lengthy questionnaires, no complex financial jargon. Just the essential details about your business — and we handle the rest.
Get Matched to the Right Lender
Our AI-powered platform instantly analyzes your application and matches you with the best lenders from our network of 75+ Canadian and alternative financing partners — not just whoever has inventory to fill.
Get Your Money Moving
Once approved — often within hours — funds are deposited directly into your business account. Most clients receive capital within 24 hours of approval. No waiting weeks. No celebrating too early.
Financing Solutions
Tell people which solution is right for their situation
Working Capital
Running a business means managing cash flow even when revenue isn't perfectly timed. Working capital financing gives you the liquidity to cover payroll, inventory, suppliers, and operational gaps — without touching your personal savings or disrupting long-term growth plans.
- ✓$10K–$500K available
- ✓Fast approval process
- ✓Flexible repayment terms
Term Loans
When you have a clear vision — new equipment, a second location, a major renovation — you need capital with structure. A term loan gives you a defined lump sum with predictable repayment so you can budget with confidence and execute with momentum.
- ✓Up to $1M available
- ✓Competitive fixed rates
- ✓1–5 year terms
Equipment Financing
Equipment is one of the most high-value, high-cost needs in any physical business. Equipment financing lets you acquire the machinery, vehicles, or technology you need now, while spreading the cost over time — and in many cases, the equipment itself serves as collateral, making approval faster and more accessible.
- ✓100% financing available
- ✓Preserve working capital
- ✓Tax advantages (CCA eligible)
Merchant Cash Advance
A Merchant Cash Advance (MCA) is one of the most misunderstood — and most powerful — funding tools for revenue-generating businesses. Instead of fixed monthly payments, repayment flexes with your daily sales. When business is strong, you pay more. When it slows, so does your repayment.
- ✓No fixed repayment schedule
- ✓Quick approval — often same day
- ✓Based on revenue, not just credit
Commercial Real Estate Financing
Whether you're purchasing your first commercial property, refinancing an existing one, or financing a major renovation, commercial real estate capital helps you convert rent payments into ownership — and equity into long-term business wealth.
- ✓Up to 80% LTV
- ✓Competitive rates
- ✓Flexible terms
Invoice Financing
If you're sitting on outstanding invoices while trying to cover operations, you already have the money — it's just not in your account yet. Invoice financing (also called invoice factoring) advances you up to 90% of the value of your outstanding invoices so you can keep moving without waiting on slow-paying clients.
- ✓Up to 90% advance on invoice value
- ✓Improves cash flow immediately
- ✓No long-term debt commitment
Why Choose LendrIQ
Because you deserve a funding partner that works as hard as you do.
Lightning Fast
Traditional bank financing can take 4–8 weeks — and still result in a no. LendrIQ gets most applications reviewed within hours and funded within 24. Because when opportunity knocks, it doesn't wait around.
75+ Trusted Lenders
Most brokers work with a handful of lenders. We've built relationships with over 75 Canadian and alternative financing partners — which means more options, more competition for your business, and better outcomes for you.
Rates You Can Actually Work With
We don't just find you a lender — we find you the best lender for your situation. Our matching algorithm optimizes for rate, term, and approval likelihood, so you're not leaving money on the table.
A Human in Your Corner
Technology gets you matched. Our financing advisors get you funded. From application to approval, a dedicated expert guides you through every step — answering questions, advocating on your behalf, and making sure nothing slips through the cracks.
Industries We Serve
Every industry has a different cash flow story. We've helped write thousands of them.
Retail
Restaurant
Construction
Healthcare
Transportation
Manufacturing
What Our Clients Say
Don't take our word for it. Here's what real Canadian business owners experienced.
"I'd been turned down by two banks before finding LendrIQ. Within 3 hours of applying, I had an approval — and the money in my account the next morning. I genuinely didn't think it was possible."
Sarah Johnson
Johnson's Hardware, Toronto
"When we decided to open our second location, we didn't have time for a 6-week bank process. LendrIQ got us matched the same day and funded within 48 hours. The advisor walked us through every document — honestly felt more like a business partner than a broker."
Michael Chen
Chef's Restaurant Group, Vancouver
"We needed equipment financing fast for a contract we couldn't afford to lose. LendrIQ found us a lender with 100% financing and terms that fit our project timeline. The whole experience was professional, fast, and stress-free."
David Martinez
Martinez Construction, Calgary
Ready to Grow Your Business?
You've built something worth investing in. The right capital, at the right time, with the right terms — that's what LendrIQ delivers. Whether you need $10,000 or $1 million, we'll find the funding solution that fits your business, your timeline, and your goals.