Business Credit & Capital

What Business Credit & Capital does

Business Credit & Capital Ltd. is a privately held Canadian business financing company founded in 2010 and headquartered at 2967 Dundas St. W. in Toronto, Ontario, with a secondary office in Brooklyn, New York. The company originates three core lending products for small and medium-sized businesses: Term Loans of up to $500,000 with terms up to 18 months, Working Capital Loans ranging from $15,000 to $500,000 (including merchant cash advances repaid via credit card receivables or daily/weekly ACH withdrawals), and Lines of Credit from $15,000 to $250,000 with payment terms up to 12 months. The company primarily targets established SMBs in retail, restaurant, and service industries that may have difficulty qualifying for traditional bank financing due to limited credit history or insufficient collateral.

The company operates a direct, sales-led go-to-market model featuring an online application, phone-based sales support (866-222-9922), and a documented ISO (Independent Sales Office) partner and affiliate referral program for broker-originated deals. Approved applications are typically funded within 24-48 hours, with same-day pre-approval and same-day funding claimed for qualifying deals. The company maintains a cross-border affiliation with US-based Advance Funds Network LLC, enabling referral of applications that cannot be fully processed by Business Credit & Capital.

Business Credit & Capital's underlying technology is not publicly disclosed; the source material indicates use of standard financial technology infrastructure for processing loan applications and merchant cash advances, with no proprietary AI, patents, or trademarked technology referenced. The company has no disclosed institutional investment, no parent company, no disclosed management team, and no certifications or compliance accreditations in the available material. Its revenue model spans transaction-based fees on working capital advances, one-time fees on term loans, and recurring/subscription-style economics on revolving lines of credit.

Name

Business Credit & Capital

Legal name

Business Credit & Capital Ltd.

Website

https://businesscreditandcapital.com

Company type

Private

Founded year

2010

Operating status

Operating

Headcount range

11–50 employees

Short description

Business Credit & Capital is a Toronto-based private Canadian SMB alternative lender, founded in 2010, offering term loans, working capital advances, and lines of credit from $15K-$500K to small businesses in retail, restaurant, and service industries across Canada.

Ownership category

akta.pro rank

Product category

Alternative Small Business Lending

NAICS

Other Nondepository Credit Intermediation (52229), Activities Related to Credit Intermediation (5223)

SIC

Short-Term Business Credit Institutions (6153)

akta.pro industry

PRIMARYFSAKAGAD

Merchant Cash Advance (MCA) & Revenue-Based Financing

Financial & Insurance/Lending & Consumer Finance/Small Business & Microenterprise Lending

SECONDARYFSAKAGAB

SME Term Loans & Growth Capital

Financial & Insurance/Lending & Consumer Finance/Small Business & Microenterprise Lending

SECONDARYFSABABAB

SME Business Lending (Term Loans, Lines of Credit, Overdrafts)

Financial & Insurance/Banking (Commerical, Retail & Consumer)/Commercial Banking (SME & Middle Market)

Keywords

• Small business loans
• Merchant cash advances
• Working capital financing
• Business lines of credit
• Alternative lending

Headquarters

HQ city

Brooklyn

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Others

Revenue model

1. Working Capital Advances: Merchant cash advances based on future business revenue, repaid through a portion of credit card sales or daily/weekly ACH withdrawals.
2. Term Loans: Traditional term loans for long-term business goals with payment terms up to 18 months, amounts up to $500,000.
3. Lines of Credit: Revolving credit facilities with amounts ranging from $15,000 to $250,000, payment terms up to 12 months.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels4 records

Core offering

Business Credit & Capital is a Canadian alternative business financing company that provides working capital advances, term loans, and revolving lines of credit to established small and medium-sized businesses. Funding amounts range from $15,000 to $500,000, with same-day pre-approval and funding typically delivered within 24–48 hours.

Product overview

Business Credit & Capital is a business financing company offering three core funding products: Term Loans (up to $500,000 with 18-month terms for long-term investments), Working Capital Loans ($15,000-$500,000 with same-day funding for operational needs), and Lines of Credit ($15,000-$250,000 with revolving access for flexible working capital). The company serves Canadian small-to-medium businesses, providing alternative financing options including merchant cash advances for businesses that may not qualify for traditional bank loans.

Differentiator

Problem solved

Functional benefit

Products and services

• Term Loan A traditional term loan providing reliable funding up to $500,000 with payment terms up to 18 months, designed for larger business investments and long-term growth goals. Targeted at established Canadian SMBs that need larger lump-sum capital.
• Working Capital Loan A flexible working capital advance ranging from $15,000 to $500,000 with same-day funding available and approval within minutes. Repaid through a portion of credit card sales or daily/weekly ACH withdrawals. Designed for business projects and operational expenses of established SMBs.
• Line of Credit A revolving credit facility offering $15,000 to $250,000 with flexible access to funds and payment terms up to 12 months. Allows businesses to draw and repay as needed, with same-day funding available on draws.

Quantifiable outcome

• Most businesses receive funds in under 24 hours

Named customers7 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators2 records

Recent moves5 records

Expansion highlights4 records

Direct peers

• CAN Capital (Small Business Financial): US SBA-preferred and MCA/working capital lender to small businesses. Matches BCC's offering around working capital advances to SMBs; benchmarks US-side risk and pricing for cross-border referrals via AFN.
• Merchant Capital: Canadian-headquartered alternative SMB funder offering merchant cash advances and working capital to Canadian SMBs. Directly comparable on geography, product mix (MCA, term, LOC), and SMB target segments including retail and restaurants.
• National Funding: US-based alternative SMB lender offering working capital advances, term loans, and equipment financing to small businesses. Comparable product set and SMB underwriting posture with same-day funding claims.
• BlueVine: US-based fintech offering working capital, lines of credit, and term loans to SMBs. Comparable on product set, speed-of-funding value proposition, and SMB target segments (retail, restaurant, services); differs as a digital-native competitor at greater scale.
• OnDeck Canada: Canadian arm of OnDeck Capital offering term loans and lines of credit to Canadian SMBs. Compares on geography, product menu, and target SMB segments — a more capital-backed counterpart with similar underwriting posture.
• Thinking Capital: Canadian SMB financing company providing working capital advances and term loans to established Canadian businesses. Direct peer on product set (MCA + term), geography, and SMB customer base.
• Lendified: Canadian online SMB lender providing working capital loans and term loans to small businesses across Canada. Comparable on geography, target customer (Canadian SMBs), and product offering with faster digital application flow.

Broad incumbents

• Biz2Credit: US SMB lending marketplace connecting borrowers with multiple capital sources including working capital, term loans, and SBA. Broader incumbent (lending aggregator + originator) with overlapping capabilities but wider portfolio including commercial real estate.
• RBC Royal Bank (SMB Lending): Major Canadian chartered bank offering working capital, term loans, and lines of credit to SMBs across Canada. The incumbent reference point — BCC explicitly targets businesses the banks decline, so RBC represents the displaced alternative.

Others

• Smarter Loans / Loans Canada: Canadian loan comparison and broker platform routing SMB and consumer credit applications to alternative and bank lenders. Indirect comparator as a broker/distribution layer through which SMB financing demand is captured — relevant for understanding referral-channel economics.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat2 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/bccfund

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Business Credit & Capital