Your bank said wait. Your business can't.
Get matched with an experienced funding advisor who knows your industry and shops your request across many lenders. Equipment, expansion and working capital from $10,000. See where you stand in 3 minutes.
Lenders in these industries underwrite from your deposits. That's why our first questions are about revenue, not your credit score.
Built for businesses with real revenue and real equipment.
Every industry has lenders who understand how its money moves. Pick yours to see what they fund.
Trucking & Transport
Trucks, trailers, fuel, and the 60 days between delivery and payment.
Funding optionsConstruction & Trades
Mobilization costs, payroll through holdbacks, and the machines that win bids.
Funding optionsDental & Health Clinics
Operatories, imaging, buildouts and a second location.
Funding optionsRestaurants & Food Service
Kitchen equipment, patio season, renovations and slow months.
Funding optionsManufacturing & Distribution
Purchase orders, inventory, production equipment and net-60 receivables.
Funding optionsAuto Repair & Service
Lifts, diagnostics, bay expansions and parts inventory.
Funding optionsOne advisor. Many lenders. No bidding war for your phone number.
Tell us about the business
Industry, how much you need, what it's for and your monthly revenue. About 3 minutes, no documents required to start.
Get an advisor who knows your industry
We match you with an experienced funding advisor who works with lenders in your space. You get a text with their name, so you know exactly who's calling.
Compare offers, then choose
Your advisor takes your file to the lenders that fit and brings back your options. One conversation, several offers, and the decision is yours.
Most loan sites sell your application. We don't.
Lead marketplaces often sell the same application to several lenders and brokers. That's why the phone starts ringing before you've finished the form, and every caller pitches their own product.
Typical loan marketplace
Straightline
The right product. The best rate you qualify for.
Your advisor matches the financing to what you're actually buying, then shops it across lenders so you don't overpay.
Equipment financing
Buy machines, vehicles and tools. The equipment itself secures the financing.
Best whenYou know exactly what you're buying.
Term loan
A lump sum repaid in fixed payments over a set term.
Best whenA one-time project, expansion or acquisition.
Line of credit
Draw what you need, repay it, draw again. Interest only on what you use.
Best whenSeasonal swings and uneven cash flow.
Invoice financing
An advance against invoices your customers haven't paid yet.
Best whenCustomers who pay on 30 to 90 day terms.
Revenue-based financing
Repaid as a share of your sales, so payments move with your volume. It costs more than bank debt.
Best whenStrong card sales and a short, specific need.
Inventory and PO financing
Funds raw materials or stock for orders you've already won.
Best whenLarge purchase orders that outrun your cash.
Asset-based line of credit
A credit line secured by your receivables, inventory and equipment.
Best whenGrowing businesses whose assets outpace their profits.
Leasehold improvement financing
Funds buildouts and renovations to space you lease.
Best whenNew locations and major renovations.
Know more before you borrow.
Practical, Canada-specific advice for owners who want the right financing, not just the fastest yes.
Your bank said no. Here's what to do next.
A bank decline isn't the end of the road. Here's how to find out why, fix what you can, and go after the financing that actually fits your business.
Getting approvedHow lenders read your business bank statements
Alternative lenders decide mostly from your last few months of bank statements. Here's what they look for, and what quietly kills an application.
Getting approvedThe business loan document checklist for Canadian owners
The fastest approvals go to owners who have their paperwork ready. Here's what Canadian lenders typically ask for, sorted by request size.
Straight answers before you apply.
Is Straightline Funding a lender?
No. We connect your business with an experienced funding advisor who works with many lenders. Your advisor compares options, brings you offers and helps you choose. Lenders make the credit decisions and set the terms.
Does checking my options affect my credit?
No. Our questions don't involve a credit check. If you decide to move forward, your advisor or lender will ask for your consent before running one.
Who sees my information?
One funding advisor, chosen for your industry and request. They share it with lenders only to get you offers. We never sell your application to a list or to several companies at once.
What does it cost me?
Nothing from us. Straightline doesn't charge borrowers; advisors pay us for introductions. Some advisors charge a fee or are paid by the lender. Yours will tell you how they're paid before you move forward.
Who qualifies?
Registered businesses in Canada (outside Quebec for now), operating at least 12 months, with at least $20,000 in average monthly revenue.
What will my advisor ask for?
Usually your last 3 to 6 months of business bank statements, basic ownership details and what the funds are for. Having statements ready is the fastest way to get offers.
See what your business qualifies for.
Three minutes, no documents and no credit check to start. One advisor, many lenders.