Business funding · Canada & United States
Bank said no? See the business funding you can get. No credit pull to look.
Payroll is due, a month ran slow, or a job is waiting on equipment. One short application. We check it against the lenders in our network and show you the options your business is likely to get, each with its total cost in dollars.
How much do you need?
Free for business owners. Lenders in our network usually fund within 4 hours*.
No credit pull to look. If you choose to move forward, the lender may check your credit, and it tells you first.
*Best available terms from lenders in our network. Every lender sets its own criteria; approval, amount and funding time are decided by the lender and not guaranteed.
celerfunding.com is a business funding referral service, not a lender. It is a separate brand from its sister brands CELER Merchants (merchant services and card processing) and Conqueror Capital (websites, local search and ads). Each has its own website and its own services.
Your credit
Will this affect my credit?
Looking at your options doesn't pull your credit. If you choose to move forward with a lender, that lender may check your credit, and tells you first.
Before and after
From a pile of statements to offers you can compare
Most owners get offers in different formats: factor rates, weekly payments, fees in the fine print. We put each one in the same plain layout, with the total cost in dollars.
Before
Offers in different formats
After
Same layout, side by side
| Option | Amount | Total payback | Total cost in $ | Term |
|---|---|---|---|---|
| Option A | ||||
| Option B | ||||
| Option C |
Sample layout, not a real offer. Real offers come from each lender with its own terms.
Funding options explorer
What do you need the money for?
Pick a need to see which product types usually fit and what moves the cost. This is general information, not an offer.
Usually fits
- Business line of credit
- Working capital
- Short-term loan
What affects the cost
- How long until the money comes back in
- Monthly bank deposits and their consistency
- Time in business
- Existing debt and daily or weekly payments
- Repayment schedule (daily, weekly, monthly)
Usually fits
- Equipment financing
- Equipment lease
- Term loan
What affects the cost
- Whether the equipment secures the loan
- New or used, and its resale value
- Term length
- Down payment
- Credit and time in business
Usually fits
- Term loan
- Government-backed loan (SBA / CSBFP)
- Business line of credit
What affects the cost
- Term length and total interest
- Paperwork and how long you can wait
- Profit history and financial statements
- Collateral or a personal guarantee
- Fees at closing
Usually fits
- Business line of credit
- Inventory financing
- Working capital
What affects the cost
- How fast the stock sells
- Seasonality of your sales
- Monthly deposits
- Repayment schedule
- Fees and early payoff terms
Quick pre-check
Which types of funding usually fit?
Three questions. You get the product types that usually fit a business like yours, or an honest "not yet, and why". General information only: no amounts, no rates, no approval decision.
01 Funding options
Money built around what you need it for
Different needs call for different money. We help you pick the right product first, so you do not end up with the most expensive option by default.
Working Capital
Cash for payroll, inventory and the slow months, so day-to-day never stalls.
Great for: Businesses with steady monthly deposits that need cash quickly.Business Term Loans
A lump sum up front, repaid on a fixed schedule. Built for planned growth.
Great for: Established businesses with a clear plan for the money.Business Line of Credit
Draw what you need, when you need it, and pay interest only on what you use.
Great for: Businesses that want flexible access to cash rather than one lump sum.Equipment Financing
Buy the ovens, trucks, machines and POS hardware you need and pay over time.
Great for: Any business buying equipment that holds its value.Merchant Cash Advance
An advance against future card sales, repaid as a share of what you take in.
Great for: Restaurants, retail and service businesses with strong, steady card sales. We always show you the total payback before you sign.Invoice Factoring
Turn unpaid invoices into cash now instead of waiting 30, 60 or 90 days.
Great for: Businesses that bill other businesses and wait to be paid.SBA & Government-Backed Loans
Long terms and lower rates through SBA (US) and CSBFP (Canada) lenders.
Great for: Established, profitable businesses that can wait a few weeks for the best rate.
Not sure which one? Compare the four most common options → or answer four quick questions below.
02 Quick check
Four taps to see where you stand
Pick what fits. Your answers carry over to the application, so you are not asked twice. No credit pull, no fee, business financing only.
- What the money is for
- How much you need
- Time in business and monthly revenue
What do you need the money for?
How much are you looking for?
How long have you been in business?
Average monthly revenue?
No credit pull. No fee. Business financing only.
03 How it works
Apply, compare, choose
Lenders in our network usually fund approved businesses within 4 hours*. Government-backed loans take weeks. We tell you the realistic timeline before you apply.
- 01
Apply once
A few questions about your business. No documents and no credit pull to look.
- 02
Compare offers
Each option shown with its total cost in dollars, not just a rate or a factor.
- 03
You choose
Pick the one that fits, or none. The lender approves and funds; we never charge you.
Watch: how it works in 45 seconds
Narration uses a synthetic (computer-generated) voice. Captions are available.
Who we are
What we are, and what we are not
- A referral marketplace for business funding
- A real person reviews every request
- Free for business owners, always
- Canada and the United States, business financing only
- Not a lender, bank or fund
- Not the one who makes credit decisions
- Not a service that charges the business a fee
- Not a source of consumer or personal loans
We are a broker, not a lender. Lenders may pay us a fee when you're funded; this may affect which offers you see. celerfunding.com does not make credit decisions: we refer businesses to independent third-party lenders and funding companies. We never charge you a fee. All financing is subject to the lender's own approval, terms and pricing. Business (commercial) financing only; no consumer or personal loans.
About celerfunding.com
celerfunding.com is a referral service, not a lender: we introduce your business to independent lenders and funding companies, and they make every credit decision and set the terms. We started celerfunding.com so owners could see real options side by side before signing anything. We serve businesses across Canada and the United States, in English and French.
Who you're dealing with
Facts you can check
- What we do
- We refer businesses to independent lenders and funding companies in Canada and the United States. We are not a lender and we don't make credit decisions.
- How we're paid
- We are a broker, not a lender. Lenders may pay us a fee when you're funded; this may affect which offers you see. You never pay us anything.
- Where to reach us
- Phone 1-888-705-7896, email hello@celerfunding.com. Our mailing address in Montreal, QC is in the footer of every page.
- Legal
- The company behind this site is named in our Terms of use and Privacy policy.
04 What you can hold us to
A referral service that works for the owner
We are new, so we will not show you borrowed reviews or big funded totals. Here is what we commit to on every file instead.
- 01Free for you, alwaysWe never charge business owners a fee. We are a broker, not a lender. Lenders may pay us a fee when you're funded; this may affect which offers you see.
- 02No credit pull to see optionsA lender only runs a full credit check if you choose to move forward with them, and they tell you first.
- 03A person calls you backApplications are usually called the same business day, often within minutes.
- 04Total payback, in writingEvery option comes with what it costs in dollars, not just a rate.
- 05We say when not to borrowIf funding would make things worse, we tell you, even if it means no deal.
- 06Your file goes nowhere without youWe share your details with a lender only after we confirm with you. We never ask for banking passwords, SIN or SSN.
05 Use it for
What can your business do with funding?
- Buy inventory
- Cover payroll
- Expand or renovate
- Run marketing
- Smooth out cash flow
- Upgrade equipment
- Hire staff
- Consolidate business debt
06 Are you a match?
Simple minimums, fast answers
Lenders in our network fund businesses that meet these minimums. Close but not quite there? Apply anyway and we will tell you honestly what is possible.
Check my eligibility| Time in business | 1 year+ |
|---|---|
| Monthly bank deposits | $20,000+ |
| Credit score | 500+ |
| Bank account | Business |
| Fee to you | $0 |
| Credit pull to start | None |
Quick check
Am I eligible? Three questions
See how your business compares with the network minimums. Nothing is sent or saved: the answer appears only on your screen.
*Best available terms from lenders in our network. Every lender sets its own criteria; approval, amount and funding time are decided by the lender and not guaranteed.
07 Talk to a person
Rather talk it through?
You do not need to know which product you want. Call us, tell us what is going on in the business, and we will tell you what makes sense, including when borrowing does not.
Canada
Funding for Canadian businesses
Province-by-province pages, the Canada Small Business Financing Program explained, and service in English or Québec French.
08 FAQ
The questions owners ask before they apply
Is celerfunding.com a lender?
No. We are a referral service. We look at what your business needs, then introduce you to independent lenders and funding companies that fit. The lender makes the credit decision and sets the terms.
Does it cost me anything?
No. We never charge you a fee. We are a broker, not a lender. Lenders may pay us a fee when you're funded; this may affect which offers you see.
Will applying hurt my credit?
Our intake does not pull your credit. Some lenders do a soft pull to pre-qualify you; a hard pull only happens if you choose to move forward with a specific lender, and they will tell you first.
What do I need to qualify?
Lenders in our network fund businesses with at least 1 year in business, $20,000 or more in average monthly bank deposits and a credit score of 500 or higher, plus a business bank account. Each lender sets its own criteria, so apply even if you are close.
Why not just go to my bank?
You can, and if your bank says yes at a good rate, take it. Banks often want a long history and can take weeks. We show you what else is available, including bank and government-backed options, so you can compare before you decide.
Will my information be sent to a lot of lenders?
No. We share your details with a lender only after we confirm with you. We do not sell your information, and we never ask for banking passwords, your SIN or your SSN.
How long are the terms, and how are payments made?
Typically, terms run up to 24 months, with daily, weekly, bi-weekly or monthly payments depending on the lender and your file. That is typical, not a promise: government-backed and equipment loans can run longer, and each lender sets its own terms.
How fast can I get funded?
With some lenders in our network, approved businesses are usually funded within 4 hours. Speed depends on the product and the lender: government-backed loans take weeks. We tell you the realistic timeline before you apply.
See what your business qualifies for
Two minutes, no credit pull, no fee. We come back with real options from lenders that fit.