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Status: stalled
FRChoose my amount

Everything’s in place. The financing is missing.

Capital Facile presents your file to commercial lenders. From $15,000 to $500,000.

Choose my amountSee how it works

An intermediary, not a lender.$0 upfront · 7% only if funded

Illustration: a file moves forward step by step. Five steps are done. The lender’s answer is pending; funding depends on the lender’s decision.

FileIllustration

My business is stalling. I need funds to get to the next level.

Sent
  • Application received
  • Statements received
  • File reviewed
  • File complete
  • Presented to lenders
  • Lender’s answerThe lender decides.
Funding

Five steps done. The decision is the lender’s.

Choose my amount

For businesses ready to grow

  • Restaurants
  • Construction
  • Transportation
  • Retail
  • Auto repair
  • Clinics
  • Manufacturing
  • E-commerce
  • Professional services
  • Distribution

The method

Three things for you to do. We handle the rest.

We prepare your file and present it to lenders. Each lender decides.

  1. From $15,000 to $500,000. You see our fee and the net deposit right away, before any fees the lender may withhold.

    AmountIllustrationCalculation
    $150,000
    • Amount requested$150,000
    • Our fee (7%)−$10,500
    • Net deposit$139,500
    The lender sets the final amount and its cost in its written offer.$0 upfront · 7% only if funded

  2. Your details, on one screen. Your application is saved before any other step.

    DetailsIllustrationSaved
    • First name
    • Last name
    • Email
    • Mobile
    • Business
    Your consents are separate and never pre-ticked.

  3. Your business bank statements, as PDFs. We never see or store your banking credentials.

    StatementsIllustrationRead
    • Deposits per monthread
    • Days in overdraftcounted
    • NSF chequescounted
    • Payments to other lendersspotted
    A person reads every file.

  4. With your permission, we present your file to the lenders whose criteria match, except any you exclude. You have no lender to chase.

    PresentationIllustrationPresented
    • Lender listcriteria compared
    • Lenders selectedfile presented
    • Your exclusionsrespected
    An intermediary, not a lender.

  5. Its offer, if it makes one, sets the amount, the cost and the terms. You’re free to decline it.

    Written offerIllustrationWaiting
    • Amountset by the lender
    • Costset by the lender
    • Your decisionaccept or decline
    The lender sets the final amount and its cost in its written offer.

You do your part. We follow up with lenders.

Choose my amount

What we read

Your statements speak for you. We pull the facts.

Here’s what we look at before we present your file.

  • Revenue

    • Actual deposits, month by month
    • Trend over the period

  • Stability

    • Days in overdraft
    • NSF cheques

  • Commitments

    • Payments to other lenders

  • Time in business

    • How long the business has been operating

We run no credit check while you apply on our site.

  1. You

    Choose an amount

    We

    Calculate the fee and the net deposit

  2. You

    Send your statements

    We

    Pull out the facts lenders look at

  3. You

    Wait for an answer

    We

    Present your file to lenders

  4. You

    Accept or decline the offer

    We

    Charge our fee only if you are funded

Your numbers do the work.

The ground rules

Nothing to pay upfront. Everything in writing.

Capital Facile is a commercial-financing intermediary. We don’t lend and we make no credit decisions.

  • $0 upfront, 7% only if funded

    Our 7% fee on the amount financed comes on top of the cost set by the lender and is payable only if financing is disbursed.

  • The lender decides

    Each independent lender assesses the application using its own criteria and alone decides whether to go ahead.

  • The cost is in the offer

    The total cost, the repayment schedule and any security required are set by the lender in its written offer. You’re free to decline it.

  • No real-estate collateral required

    The lender may ask for a personal guarantee or security on business assets.

  • Your consents, one by one

    Each consent is separate and never pre-ticked.

  • Your credentials stay yours

    We never see or store your banking credentials.

Capital Facile (9576-7406 Québec Inc.)

Read the privacy policy

You know what you pay before you sign.

The situations

The work is there. Not the financing.

Six situations where only the financing is missing.

  • Waiting

    The second truck

    The delivery contracts are signed. No truck yet.

  • Waiting

    The equipment

    The shop is ready. The machine is still at the supplier.

  • Waiting

    The inventory

    Peak season is near. The shelves aren’t full.

  • Waiting

    The job site

    The contract is signed. You pay for materials before you get paid.

  • Waiting

    The hiring

    The work is there. You’re two people short.

  • Waiting

    The space

    The unit next door is opening up. The expansion is waiting.

Sound familiar? Start with the amount.

Choose my amount

The cost

What you pay, and when.

  1. Today

    $0

    You choose an amount and send your application.

  2. File review

    $0

    We read your statements and prepare your file.

  3. Presented to lenders

    $0

    Your file is presented to lenders.

  4. If a lender funds you

    7%

    Our fee on the amount financed is payable only if financing is disbursed. It comes on top of the cost set by the lender.

$0 upfront · 7% only if funded

Nothing disbursed? You pay Capital Facile nothing.

The amount

You’re short by how much?

Request: $50,000$0 upfront · 7% only if funded

$50,000

Our fee (7%)
−$3,500
Net deposit
$46,500

An estimate — not an approval or an offer.

The lender sets the final amount and its cost in its written offer.

$0 upfront · 7% only if funded

Continue

An intermediary, not a lender.

In brief

Your questions. Straight answers.

Yours isn’t here? Ask it at the bottom of the list.

  • Is Capital Facile a lender?

    No. Capital Facile is a commercial-financing intermediary. We present your file to independent lenders; they are the ones who accept or decline each application.

  • How much does it cost?

    $0 upfront. Our fee is 7% of the amount financed and is payable only if financing is disbursed. It is added to the cost set by the lender in its written offer.

  • How much can I ask for?

    From $15,000 to $500,000. The amount you choose on this page is the amount requested, not an approval or an offer: the lender sets the final amount in its written offer.

  • Do I need real-estate collateral?

    No, no real-estate collateral is required. The lender may ask for a personal guarantee or security on business assets.

  • What do you need from me?

    Your contact details and your business bank statements, as PDFs.

  • Do you check my credit?

    Not while you apply on our site; a lender may check your credit file before making an offer, only with your permission.

  • Do you see my banking credentials?

    No. They are never entered on our site, and we never see or store them.

  • Who decides?

    The lender. Each independent lender assesses the application using its own criteria and alone decides whether to go ahead. You’re free to decline its offer.

  • What if I decline the offer?

    You owe Capital Facile nothing: our fee is payable only if financing is disbursed.

  • What do you do with my information?

    With your consent, we use it to prepare your file and present it to lenders: analyzing your statements measures the business’s situation, a person reads every file, and your information may be processed outside Québec. The details are in our privacy policy.

  • How long does it take?

    It depends on your file and on the lenders. We don’t promise any timeline.

More answers, by situation

Everything’s in place. One gear is missing.

We present your file to lenders. They decide.

Choose my amountRequest a call

An intermediary, not a lender.$0 upfront · 7% only if funded