Express Business Funding

What Express Business Funding does

Express Business Funding (EBF) is a privately held Canadian alternative financing provider headquartered in Burlington, Ontario, serving small and medium enterprises across manufacturing, construction, staffing, and services industries nationwide. Founded in 2004, the firm offers three core products: Invoice Factoring (accounts receivable financing that advances cash against unpaid B2B invoices), Asset-Based Lending (credit facilities secured by assets such as real estate), and Debtor In Possession Financing (specialized capital for companies in restructuring). EBF explicitly restricts its operations to Canada and does not service US-based businesses.

Revenue is generated on a transaction-fee basis — primarily through factoring discounts on invoices, interest and fees on ABL credit facilities, and specialized fees on DIP financings. Pricing is quote-based and not publicly disclosed; clients must meet a minimum annual revenue threshold of $1,000,000 to qualify for factoring services. Customer acquisition combines direct B2B field sales with online lead capture, broker and partner referrals (formalized via a Factoring Referral Program), and content marketing through an Education Hub.

The firm operates with a lean team of 1–10 employees and maintains affiliations with industry bodies including the International Factoring Association, the Turnaround Management Association, and the Association for Corporate Growth. No proprietary technology stack, APIs, AI/ML capabilities, patents, or funding rounds are disclosed. The company's technology footprint includes a customer portal hosted on a third-party banking platform (ProfitStars), and its distribution is anchored by organic social channels (LinkedIn, Facebook, Instagram) and a partner/broker referral layer. Ownership, institutional backing, and revenue figures are not publicly disclosed.

Name

Express Business Funding

Legal name

Express Business Funding

Website

https://expressbusinessfunding.ca

Company type

Private

Founded year

2004

Operating status

Operating

Headcount range

1–10 employees

Ownership category

akta.pro rank

Product category

Alternative Commercial Finance

NAICS

Credit Intermediation and Related Activities (522), Sales Financing (52222)

SIC

Short-Term Business Credit Institutions (6153)

akta.pro primary industry

Supply Chain Finance (Trade Credit, PO/Inventory Financing) (FSAKAGAE)

Keywords

• Invoice factoring
• Asset-based lending
• Debtor in possession financing
• Accounts receivable financing
• Alternative business financing

Headquarters

HQ city

Burlington

HQ country

Canada

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Invoice Factoring Fees: Revenue generated from factoring fees charged on unpaid invoices, typically a percentage of the invoice value. Businesses unlock cash flow trapped in unpaid invoices by selling them to EBF at a discount.
2. Asset-Based Lending Interest: Interest and fees earned on credit facilities secured by company assets such as real estate. Provides growth capital and operational funding to businesses.
3. Debtor In Possession Financing: Specialized financing fees for companies undergoing restructuring processes, maintaining operations during financial transitions.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels6 records

Core offering

Express Business Funding (EBF) provides alternative financing solutions to Canadian small and medium businesses, offering invoice factoring that unlocks cash flow from unpaid invoices, asset-based lending secured by company assets such as real estate, and debtor-in-possession financing for companies undergoing restructuring. The company targets SMEs in manufacturing, construction, staffing, and services industries across Canada, delivering capital for taxes, payroll, inventory, and operational expenses.

Product overview

Express Business Funding (EBF) operates as a single-brand alternative financing platform offering three core products: Invoice Factoring (accounts receivable financing), Asset-Based Lending (ABL), and Debtor In Possession (DIP) Financing. These solutions are specifically tailored for small and medium businesses (SMEs) in manufacturing, construction, staffing, and services industries across Canada. The company has over 20 years of experience and provides flexible, expedient capital solutions as an alternative to traditional bank loans. EBF also supplements its core offerings with an Education Hub for industry knowledge and a Factoring Referral Program for partner referrals.

Differentiator

Problem solved

Functional benefit

Products and services

• Invoice Factoring A financing solution that enables businesses to unlock cash flow trapped in unpaid invoices by selling their accounts receivable. Targeted at Canadian SMEs in manufacturing, construction, staffing, and services, it accelerates working capital without adding debt, allowing companies to receive payment within days rather than waiting 30, 60, or 90 days for client payments.
• Asset-Based Lending (ABL) A credit facility secured by company assets such as real estate, designed for Canadian businesses seeking growth capital or operational funding. Provides financing against balance sheet assets to support business expansion and operational needs.
• Debtor In Possession (DIP) Financing Specialized financing for companies undergoing restructuring, enabling them to maintain operations while navigating financial transitions. Provides capital to businesses in the restructuring process to preserve operational continuity.

Quantifiable outcome

• Thousands of companies funded with optimized financing solutions

Named customers17 records

Segments5 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Three partnerships are on record, tiered minor.

• Turnaround Management Association (TMA)minorOthersEBF is affiliated with TMA, a professional organization serving the turnaround management industry. This partnership supports their Debtor In Possession Financing services for companies in restructuring.
• International Factoring AssociationminorOthersEBF maintains membership/affiliation with the International Factoring Association, supporting their core invoice factoring business operations.
• Association for Corporate Growth (ACG)minorOthersEBF is affiliated with ACG, a global organization for professionals involved in corporate growth, M&A, and financing, supporting their B2B financing services.

Scale indicators3 records

Recent moves5 records

Expansion highlights5 records

Broad incumbents

• BlueVine: US-based invoice factoring and lines-of-credit provider for SMBs. Direct product overlap with EBF's factoring offering, anchored in a larger US market.
• Fundbox: US digital lender offering invoice factoring and working capital to SMBs. Comparable technology-enabled factoring model, though serves US businesses.

Emerging players

• Thinking Capital: Canadian online alternative lender serving SMEs with working capital products. Competes with EBF in the same vertical but uses a more digital-first delivery model.
• Clearco: Canadian-founded revenue-based financing provider for SMEs, overlapping with EBF's alternative-financing value proposition although focused on e-commerce and digital businesses.

Direct peers

• CMLS Financial: Canadian commercial mortgage and asset-based lender with a comparable ABL product line. Targets mid-market SMEs in similar industries across Canada.
• Liquid Capital Canada: Canadian invoice factoring franchise network serving SMEs with the same core product as EBF. Operates in overlapping verticals (manufacturing, services, staffing) and is a direct alternative financing competitor.
• Accord Financial Corp. Canadian public specialty finance company offering factoring, asset-based lending, and DIP financing - a near-exact overlap with EBF's three-product platform.
• Versapay: Canadian-headquartered provider of accounts-receivable automation and working capital solutions, including invoice funding. Directly comparable to EBF in serving Canadian B2B SMEs with AR-based financing.
• Bibby Financial Services Canada: Direct peer offering invoice factoring and asset-based lending to Canadian SMEs across similar verticals. Operates a parallel business model to EBF with comparable products and target customers.

Others

• TOTAL Funding Solutions (Finquest affiliate): Canadian broker and funder network connecting SMEs with alternative working capital providers. Functions as an intermediary channel that complements - and competes with - EBF's direct sales motion.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/CanadianInvoiceFactoring
• LinkedInlinkedin.com/company/the-ebf-group-ltd-
• Instagraminstagram.com/expressbusinessfunding
• Xx.com/ebf_group

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 Express Business Funding