Business Loans in Toronto
Secure the working capital your Toronto business needs to grow with our fast, flexible business financing solutions. Apply online with Greenbox Capital® and funding may be available within 24 hours after approval, subject to underwriting and eligibility.
Get Fast Business Funding in Toronto
Toronto is Canada’s largest city and home to one of the most competitive business environments. Whether you run a restaurant on King West, a medical practice in North York, a retail shop in Scarborough, or a construction company serving the GTA, the cost of doing business here keeps rising. Rent, labour, and inventory don’t wait for your cash flow to catch up.
For many small business owners in Toronto, traditional bank financing isn’t a realistic option. Strict credit requirements, long approval timelines, and rigid collateral conditions leave established, revenue-generating businesses without the working capital they need to move quickly. Alternative business financing fills that gap with decisions based on your actual business performance, not just your credit file.
*Greenbox Capital provides financing exclusively to operating businesses for bona fide commercial purposes and does not offer consumer or personal financing.
Why Toronto Businesses Need Alternative Funding
Toronto’s economy runs on small and mid-sized businesses. But high commercial rents, seasonal demand swings, and the ongoing pressure of rising operating costs mean that access to fast, flexible business funding isn’t a luxury; it’s a competitive necessity.
Many Toronto business owners find that banks move too slowly and approve too rarely. The Canada Small Business Financing Program has strict eligibility requirements. BDC timelines can stretch for weeks. When an opportunity appears, a new contract, a busy season, or an equipment need, the window doesn’t stay open long.
Alternative business financing is designed for exactly these moments. Greenbox Capital looks at the overall health of your business, your revenue, your account activity, and your transaction history and makes a decision fast.
Our Options for Business Financing in Toronto
Greenbox Capital offers several financing options for established Toronto businesses:
Small Business Loans
Access funds for staffing, expansion, equipment, or managing operational costs. Designed for established businesses that need capital without lengthy bank processes. Funding up to $500,000 CAD.
Merchant Cash Advance
A merchant cash advance is a form of revenue-based financing, not a loan. If your business generates consistent revenue, a merchant cash advance provides a lump sum in exchange for a portion of future sales, making it well-suited to Toronto’s high-volume retail, restaurant, and service businesses.
MCA Line-of-Credit-Style Financing
A flexible MCA structure that may allow a business to remit early for a discount and access additional purchased amounts up to an approved maximum, subject to underwriting at the time of request. This product is designed for businesses that need flexible access to working capital rather than a single lump sum.
Bad Credit Business Funding
Greenbox Capital evaluates your overall business health, not just your credit score. Toronto businesses with less-than-perfect credit profiles are welcome to apply; approval decisions focus on revenue, transaction history, and account activity.
Toronto’s business community is one of the most diverse in the world, and so is the ownership behind it:
Funding for minority-owned businesses
Immigrant entrepreneurs are the backbone of Toronto’s economy. We provide working capital to owners who may face additional barriers to accessing traditional financing.
Funding for women-owned businesses
Women-owned businesses are a growing force across Toronto’s neighbourhoods and industries. Greenbox Capital assesses all applications based on business performance and prioritizes supporting women entrepreneurs across sectors.
Funding for veteran-owned businesses
Canadian veterans who have built businesses deserve straightforward access to capital. Our application is simple, and our eligibility requirements are designed with flexibility in mind.
Small Business Funding Solutions for Toronto Companies
Toronto is Canada’s financial and commercial capital, and that creates both opportunity and pressure for small business owners. The right financing can provide the momentum needed to take on new contracts, bridge a slow month, cover payroll, or invest in the growth that keeps you competitive.
Toronto’s most active industries rely on alternative financing every day:
- Technology & Professional Services — Toronto’s tech sector is one of the fastest-growing in North America, anchored by the MaRS Discovery District and a dense network of scale-ups. Funding helps firms invest in talent and infrastructure without waiting weeks for bank approvals.
- Construction & Trades — Contractors across the GTA face a consistent challenge: materials and labour costs are due before client payments arrive. Alternative financing bridges that gap and keeps projects moving.
- Retail & Hospitality — From Kensington Market to the Distillery District, Toronto’s retail and restaurant operators face predictable seasonal swings and inventory demands. Flexible working capital keeps them ahead of the curve.
- Healthcare & Wellness — Medical and dental practices, physiotherapy clinics, and wellness providers use alternative funding to upgrade equipment, expand services, and maintain consistent staffing across the city.
- Logistics & Transportation — Toronto’s position as Canada’s primary distribution hub means logistics companies need fast access to capital for fleet maintenance, fuel, and technology on short notice.
Some Toronto businesses explore bank financing, credit unions, or government programs first. These options often involve strict credit criteria, lengthy approval processes, and collateral requirements that many established, revenue-generating businesses simply can’t meet on a tight timeline.
Greenbox Capital moves faster, weighs your actual revenue and account activity, and structures terms around how your business operates.
Industries we fund in Toronto include:
- Medical and Doctor’s Practices
- Lawyers’ Practices and Law Firms
- Restaurants and Cafés
- Dental Practices
- Beauty, Wellness, and Personal Care Businesses
- Pet Services and Veterinary Practices
- Retail Stores
- Contractors and Construction Companies
- Auto Repair and Automotive Services
- Cleaning, Janitorial, and Maintenance Services
- Health and Wellness Providers
Funding Support Across Toronto and Surrounding Areas
Greenbox Capital provides business financing to established companies throughout Toronto and the Greater Toronto Area. Whether your business is in the downtown core or in one of the city’s growing outer communities, we service your area.
Downtown Toronto & Core:
- Financial District
- Entertainment District
- King West
- Queen West
- Distillery District
- St. Lawrence Market
- Chinatown
- Kensington Market
- Little Italy
- The Annex
Midtown & Uptown:
- Yorkville
- Forest Hill
- Lawrence Park
- Leaside
- Davisville Village
- Rosedale
East Toronto:
- Leslieville
- Riverdale
- Danforth / Greektown
- East York
- Scarborough
- The Beaches
North Toronto:
- North York
- Willowdale
- Don Mills
- Downsview
West Toronto:
- Etobicoke
- Rexdale
- Mimico
- Bloor West Village
- The Junction
Greater Toronto Area — Surrounding Communities:
- Mississauga
- Brampton
- Markham
- Vaughan
- Richmond Hill
- Oakville
- Burlington
- Ajax
- Pickering
- Whitby
- Oshawa
From the Financial District to Scarborough, and from Etobicoke to Oshawa, Greenbox Capital provides fast, accessible business financing to Toronto-area companies at every stage of growth.
How Small Funding in Toronto Works
- 1
Apply Online
Submit your application and required business documentation digitally.
- 2
Review Your Financing Options
A funding advisor will review your application and discuss available business-purpose financing options.
- 3
Receive a Funding Decision
Approval decisions may be made within a few business hours for qualified businesses.
- 4
Receive Your Funds
Funding may be available within 24 hours after approval, subject to underwriting and eligibility.
- 5
Establish Payment Terms
Payment structure depends on the product and funding agreement. For MCA products, payments may be based on business revenue.
Think your small business could benefit from business-purpose financing? Contact Greenbox Capital to get started.
Why Toronto Businesses Choose Greenbox Capital
Fast Funding Decisions
A decision in as little as 2–5 business hours for qualified businesses. Funds typically available within 24 hours of approval.
High Approval Rates
We evaluate your business based on revenue, cash flow, and account activity — not credit score alone. Businesses with imperfect credit are welcome to apply.
No Traditional Collateral Required
Greenbox Capital does not typically require traditional collateral such as real estate, equipment, or hard assets. Eligibility and structure depend on the product, business profile, and underwriting review.
Flexible Repayment Options
Daily or weekly repayment structures that fit your cash flow, not a fixed bank schedule.
Dedicated Funding Advisor
One point of contact from application through to repayment. You’ll know who you’re dealing with from day one.
Funding Up to $500,000 CAD
Greenbox Capital funds established Toronto businesses up to $500,000 CAD, depending on revenue and eligibility.
Trusted Since 2012
Rated 4.7/5 on Trustpilot. A+ BBB Accredited. Funding Canadian businesses across every province since 2012.
Streamlined Digital Process
The entire application is completed online. No branch visits. No lengthy paperwork. A response within hours.
Early Repayment Options
Pay down your advance early and reduce the overall cost of your funding.
Apply for Business Funding Online
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* By clicking the Apply Now button above, you consent to receive calls, texts, and e-mails via automated technology or recorded messages to any number or email address you provide regarding offers and my account by or on behalf of Greenbox Capital and its affiliates and third-party funding partners. You understand that consent to promotional communications is not required as a condition of any approval or purchase and may be revoked at any time by emailing [email protected]. Message and data rates may apply. You can also apply for business funding by contacting us at 855.442.3423. All information provided to Greenbox Capital is subject to our privacy policy.
Find out more about business loans in Canada
Learn More About Funding in Toronto
What types of businesses qualify for business funding in Toronto?
Greenbox Capital works with established businesses across all industries and entity types, such as restaurants, medical and dental practices, retail stores, law firms, construction companies, beauty salons, and more. The key requirement is that your business has been operating for at least 5 months and generates consistent monthly revenue. Startups and pre-revenue businesses are not eligible.
How quickly can a Toronto business get funded?
A funding decision can be reached in as little as 2–5 business hours for qualified businesses. Approval and funding are two separate steps. Funds are typically disbursed within 24 hours of approval.
Does my credit score affect my chances of approval?
Greenbox Capital does not rely on credit score as the primary approval factor. We evaluate the overall health of your business — including revenue, transaction history, and bank account activity. Toronto businesses with imperfect credit profiles are welcome to apply.
What is the difference between a merchant cash advance and a small business loan?
A merchant cash advance is a form of revenue-based financing, not a loan. It involves purchasing a portion of your future business revenue at a fixed rate, rather than making fixed monthly payments on a set schedule. A small business loan typically involves a fixed repayment term. Greenbox Capital offers both structures, depending on which best fits your business.
How much can a Toronto business receive through Greenbox Capital?
Greenbox Capital provides business financing up to $500,000 CAD. The amount available depends on your monthly revenue, time in business, and overall account health.
Does Greenbox Capital work with Toronto businesses that have had NSFs or a negative balance?
Yes. Greenbox Capital looks at the overall picture of your account history, not isolated incidents. A limited history of NSFs or negative balance days does not automatically disqualify a business. Greenbox Capital reviews the overall health of the business, including revenue, transaction history, and banking activity.
Is Greenbox Capital available across all of Toronto, including the GTA?
Yes. Greenbox Capital provides business financing to established businesses across the City of Toronto and all surrounding GTA communities, including Mississauga, Brampton, Markham, Vaughan, Richmond Hill, Oakville, and beyond.
*Financing should be used strategically and may not be suitable for all businesses.