Your partner in achieving business excellence

Secure Funding For
Your Business
Within 48 Hours!

Access quick capital up to $800,000 for all your business needs.

Get the funds you need within 24 to 48 hours with our streamlined process — no lengthy paperwork, no branch visits, no collateral required.

See How It Works
No collateral required
Flexible repayment
90% approval rate
Funding Overview
● Active
$250,000
Approved & funded in 36 hours
Repayment progress68%
Decision
Approved ✓
Time to funding
36 hours
Collateral
None required
Next ACH pull
Tomorrow 9AM
$200M+
Funding secured by our clients
90%
Average approval rate
1,000+
Businesses funded
48hrs
Average time to funding

From Application to Funds
In 3 Simple Steps

Traditional financing can take weeks. Our streamlined process delivers capital to your account in as little as 24 hours — without the red tape.

01

Apply Online

Answer a few short questions and upload your last three months of business bank statements. No lengthy paperwork, no branch visits — our entire process is digital and built for speed.

View document requirements →
02

Get Approved

Our team reviews your application quickly and securely connects to your bank account to determine the capital you qualify for. We look at business performance — not just your credit score.

03

Receive Funds in Your Account

Once approved, funds are deposited directly into your business bank account — typically within 24 to 48 hours. Enjoy flexible payment plans specifically tailored to your business needs.

Funding Solutions for
Every Stage of Your Journey

From start-up to scale-up — we have the right product to match your business goals, cash flow, and timeline.

Up to $800,000

Merchant Cash Advance

Whether you need to expand your business, purchase inventory, or manage cash flow, our MCA provides swift access to funds with collection based on your revenue — not a fixed monthly payment.

Up to $100,000

Small Business Loan

Swiftly access the funds your business needs with flexible terms that align with your financial goals. Ideal for purchasing equipment, hiring staff, or covering operating expenses.

Up to $2,000,000

Expansion Loan

Tailored financing and competitive interest rates designed to propel your business's growth into new markets, locations, or product lines. Built for established businesses ready to scale.

$50,000 – $500,000

Line of Credit

Borrow funds as needed and enjoy flexible payback solutions. Draw on your credit when opportunity strikes and repay at your own pace — a revolving facility that grows with your business.

Up to $350,000

Inclusive Entrepreneurship Loan

Are you a business owner who identifies as a woman, Black, or Indigenous person? Get the financial boost your business needs to launch or expand — with extended terms and a dedicated advisor.

Qualification Criteria

Our requirements are straightforward. If your business generates consistent revenue, you likely qualify — even with less-than-perfect credit.

Canadian Citizen or Permanent Resident The primary business owner must be a Canadian citizen or hold permanent residency status.
Business operational for at least 6 months Your business should have been actively trading for a minimum of six months.
Minimum monthly business revenue of $10,000 We require at least $10,000 in consistent monthly business revenue to assess your funding capacity.
Poor credit? Still considered. We evaluate your business performance first. A low personal credit score alone will not disqualify you from receiving funding.

Find out in
minutes.

Answer a few quick questions and find out how much capital your business qualifies for — no obligation, no hard credit check to get started. Takes less than 5 minutes.

Takes less than 5 minutes  ·  No commitment required

Fast, Flexible & Reliable

Why thousands of Canadian business owners choose Oakridge Funding over traditional bank financing.

Quick & Convenient

Our entire process is digital and built for speed. From application to funds in your account, we've cut out every unnecessary step. Most businesses receive their capital within 24 to 48 hours of approval — no waiting weeks for a bank decision.

🔓

No Collateral Required

Say goodbye to risking personal or business assets. Our Cash Advance is based on your future revenue, not collateral. You don't need to put your property or equipment on the line to access the capital you need.

🔄

Flexible Repayment Options

Repayments flex with your business's cash flow. When sales are strong, you pay more. When things slow down, you pay less. No fixed monthly payment, no penalties for slow periods.

💡

Transparent Pricing

No hidden fees, no surprises. We walk you through every detail of your funding agreement before you sign anything. You'll always know exactly what you're getting and what it costs — full stop.

🏆

Expert Advisors

Our team of 40+ financial analysts has helped over 1,000 businesses navigate the funding process. We don't just process applications — we partner with you to find the right solution for your specific situation.

📊

90% Approval Rate

Our streamlined process and experienced advisors give your application the best possible chance of success. We evaluate your business performance holistically — even if traditional banks have said no before.

Words From Empowered
Business Owners

Business owners across industries trust Oakridge Funding to provide the capital they need, when they need it most.

"

Oakridge Funding helped us finance new machinery, enabling us to increase production capacity by 50%. Their tailored approach and seamless process made all the difference — we now fulfill orders faster and serve our clients better.

DT
David Thompson
Operations Manager — Manufacturing
★★★★★
"

Securing funding through Oakridge was a game-changer for our restaurant. We expanded our kitchen, added outdoor seating, and revamped our menu. Thanks to their expertise, we're thriving even in a competitive market.

MR
Maria Rodriguez
Owner — Restaurant
★★★★★
"

We were able to take on larger projects and invest in advanced equipment. Oakridge's support not only helped us grow but ensured smoother operations. We highly recommend their services to any construction business.

SE
Sarah Evans
CEO — Construction
★★★★★
"

Managing cash flow in the trucking industry can be unpredictable. The flexible repayment terms aligned perfectly with our revenue cycles. I wish I had found this solution sooner — it's transformed how we manage our fleet growth.

ET
Emily Thompson
Fleet Manager — Trucking
★★★★★
"

As a retail store owner, maintaining inventory and managing cash flow are constant challenges. Oakridge provided a fast, transparent solution that kept our shelves stocked and our doors open through every season.

RP
Rachel Parker
Store Manager — Retail
★★★★★
"

As a dental clinic owner, ensuring steady cash flow is essential for maintaining equipment and staff. Oakridge Funding provided a quick and straightforward solution that kept our practice running smoothly without any disruption.

RP
Dr. Reena Patel
Owner — Dental Clinic
★★★★★

Frequently Asked Questions

Everything you need to know before applying for business funding.

A Merchant Cash Advance (MCA) is a form of business financing where you receive a lump sum of capital upfront in exchange for a percentage of your future business revenue. It's not a traditional loan — there's no fixed monthly payment and no collateral required. Repayments flex automatically with your daily or weekly sales.
Most applicants receive a funding decision quickly after submitting their application. Once approved and agreements are signed, funds are typically deposited into your business bank account within 24 to 48 hours. The entire process can be completed in as little as one business day.
To qualify, you must be a Canadian Citizen or Permanent Resident, have a business that has been operational for at least 6 months, and generate a minimum of $10,000 in monthly business revenue. Poor credit is considered — we look at your business's overall performance, not just your credit score.
Funding amounts range from $10,000 up to $2,000,000 depending on the product, your monthly revenue, time in business, and overall business health. Cash Advances go up to $800,000, Small Business Loans up to $100,000, and Expansion Loans up to $2M. Start an application to find out your eligible amount — it takes less than 5 minutes.
Typically we require 3–6 months of business bank statements, a government-issued ID, and basic business information (name, type, address). In some cases additional documents may be requested, but we keep requirements to a minimum to move your application quickly.
No restrictions. Once funded, the capital is yours to use however your business requires — inventory, equipment, payroll, marketing, renovations, expanding to new markets, or managing cash flow gaps. We believe you know your business better than anyone.
Yes. We evaluate your business's revenue performance as the primary factor — not just your personal credit score. Business owners with imperfect credit are welcome and encouraged to apply. If your business is generating consistent monthly revenue, there is a strong likelihood you will qualify.
We work with businesses across virtually all industries including manufacturing, restaurants, construction, retail, wholesale, healthcare, trucking, e-commerce, technology, property management, automobile dealerships, grocery stores, and many more. If your business generates consistent revenue, we want to help.
Oakridge Funding combines fast, modern underwriting with the reliability of an experienced funding team. We offer transparent pricing with no hidden fees, flexible repayment tied to your actual revenue, a 90% approval rate, and dedicated advisors who guide you through every step. Our goal is to be a true partner in your business's growth — not just a transaction.
Funds deposited within 24–48 hours of approval

Secure Funding For
Your Business Today.

Turn your vision into reality. Over 1,000 businesses have trusted Oakridge Funding to provide the capital they needed to launch, grow, and scale.