Canary Financial
Funding range
$5K–$5M
Working capital & term loans
Speed
2–4 hrs
Application to offer
Secure
Bank-grade
Your data is encrypted
Capital Solutions · Business Funding

The capital your business needs,
approved in as little as 2–4 hours.

One secure application, matched across short-term financing, term loans, lines of credit, consolidation and SBA. From $5,000 to $5 million — most offers uncollateralized.

Funded in as little as 2–4 hours $5K – $5M Most offers uncollateralized No obligation
Business details
Step 1 of 5

Tell us about your business

Enter your details exactly as they appear on your business registration.

Required.
Required — if you have no DBA, enter the legal name again.
Enter a valid email.
Exactly 10 digits.
Include a street number and a space (e.g. 123 Main St).
Required.
Required.
Required.
3-10 characters.
Required.
Include a number (e.g. 2 years) or note if you've owned since founding.
Exactly 9 digits.
Exactly 9 digits.
Exactly 10 digits.

What are you looking for?

This helps us match you to the right funding options across our network.

Enter an amount above 0.
Required.
Enter an amount above 0.
Business banking
YesNo
Enter an amount above 0.
YesNo
Existing lenders

List up to 10 current lenders and outstanding balances. This is used to explore consolidation options.

Ownership

Owner 1 is required. Add up to four owners; applications need at least 50% total ownership.

Also required by our other funding partners

Every funder we work with asks for a slightly different set. Completing these means your file can go to any of them without us coming back to you for more.

Owner / personal guarantor - required by our other funding partners

Every funder underwrites the guarantor as well as the business. Your SSN is encrypted the moment it reaches us and is never shown back in full.

Authorization

Documents & signatures

Attach your last 3–4 months of business bank statements and any supporting documents, then have each owner sign.

Your information is encrypted in transit and at rest. Signatures are captured as images and submitted securely with your application.
Supporting documents (PDF, JPG, PNG, CSV, DOC, XLS — up to 32 MB total)
Owner signatures

Supporting documents

Optional, but every one of these speeds up a decision - and different funders ask for different ones, so anything you attach here travels with your file wherever it goes. PDF, image, Word, Excel, CSV or text; 10 MB per file.

Review & submit

Please confirm everything is correct before submitting.

Five ways to fund

One application. Every program.

We match your file across the full funding network. Eligibility depends on industry, location, credit and current standing; most offerings are uncollateralized.

Short-term financing

Rapid liquidity based on a percentage of monthly sales, with weekly repayments.

3–12 months

Term loans

A lump sum repaid on a predictable schedule for growth, hiring or inventory.

Up to 24 months

Lines of credit

Draw, repay and redraw as you need it for short-term and seasonal needs.

Revolving

Consolidation

Combine multiple positions into a single, more manageable repayment plan.

6–18 months

SBA loans

Government-backed programs (7a, 504, Express) with the longest terms available.

Up to 25 years
Good to know

Common questions.

How quickly can I get funded?
It can be fast — in some cases the same day — once your completed application and recent business bank statements are in and your file is put into processing. Actual timing depends on the program, your documentation, and the funding provider.
What programs do you offer?
Five core business programs: short-term financing, term loans, lines of credit, consolidation, and SBA loans — plus real estate investor financing. One application is matched across the programs it fits.
What's the rate and term?
Rates and terms vary by program and by how your file underwrites. Illustrative terms run up to 24 months (18 months in Canada), with weekly, biweekly, or monthly payment structures. Because Canary is not the lender, your exact rate and term are set by the funding provider for your file.
How much can you fund?
Amounts vary widely by profile — illustratively from a few thousand dollars up into the millions for well-qualified US businesses, with lower ceilings in Canada and for first-time funding. The amount is based on your revenue, time in business, credit and overall profile, and is set by the funding provider.
What's the difference between a line of credit and a term loan?
A line of credit approves you for a maximum amount you draw from as needed, paying only on what you draw. A term loan is a fixed amount repaid on a set schedule, generally with a fixed rate and predictable payments. We match your profile to whichever fits.
MCA vs. term loan — what's the difference?
A merchant cash advance (MCA) advances capital against a percentage of future sales, usually with daily or weekly payments over a shorter window and higher cost. A term loan is repaid on a fixed schedule, generally with a lower fixed rate, more predictable payments, and potential tax deductibility.
Can I get monthly payments instead of weekly?
Some programs offer monthly payment structures for stronger business profiles. Availability depends on the program, your profile, and your region, and is determined by the funding provider.
Do I have to provide my SSN?
A signed, completed application with ownership verification is required to underwrite your file. Your information is encrypted in transit and at rest and is used only to evaluate your application.
Are the loans collateralized?
Most offerings are uncollateralized. Specific programs (such as SBA or real estate financing) may be structured differently.
Do you offer early payoff incentives?
Some programs offer discounts for paying off early. Whether an incentive applies, and how it is calculated, varies by program and is determined by the funding provider.
Is Canary a bank or a lender?
No. Canary Financial is a funding marketplace and referral partner. Approval, rates, terms, timing, and eligibility are determined solely by the applicable funding provider, and submitting a request does not guarantee approval or funding.
See all funding questions
Important disclosure

Canary Financial is not a bank or direct lender. Financing products may be offered through third-party lenders, funding marketplaces, referral partners, or lending partners. Approval, interest rates, loan terms, funding timelines, and eligibility are determined solely by the applicable funding provider. Submission of a funding request does not guarantee approval or funding.