Canadian business financing
Working capital, invoice cash flow, and business credit for Canadian contractors, trades, and owner-operators — so you're not floating payroll and fuel while you wait to get paid.
Financing paths
A working capital loan gives a Canadian business short-term cash to cover day-to-day costs — payroll, fuel, materials, rent — when money owed to you hasn't landed yet. It's used for operating expenses, not for buying equipment, and is typically repaid over 3–18 months. Crewline matches you to lenders that fund working capital for trades and contractors.
Learn more →The Canada Small Business Financing Program (CSBFP) is a federal program where the government shares the lender's risk, making it easier for small businesses to get approved through a bank or credit union. It can fund equipment, leasehold improvements, and — since 2022 — a line of credit for working capital. Crewline helps you understand eligibility and route to a participating lender.
Learn more →Invoice factoring turns your unpaid invoices into cash now: a factoring company advances most of the invoice value (often 80–90%) and collects from your customer, releasing the rest — minus a fee — when they pay. It's ideal when your customers pay on 30–90 day terms but your costs are due today. Crewline matches Canadian businesses to factoring companies that fit their industry and invoice size.
Learn more →Freight factoring lets a trucking company get paid for a load in a day or two instead of waiting 30–90 days for the broker or shipper to pay. You sell the freight invoice to a factor, which advances most of it immediately and collects from the customer. It keeps fuel, insurance, and driver pay covered between settlements. Crewline matches carriers and owner-operators to freight factors that fit their lane and size.
Learn more →A business line of credit is a revolving limit you can draw from, repay, and draw again — you only pay interest on what's outstanding, not the full limit. It's built for recurring or unpredictable cash-flow swings rather than a single one-time expense. Crewline matches Canadian businesses to lenders offering secured and unsecured lines of credit for working capital.
Learn more →A bank decline is usually the wrong product or lender for your file — not a verdict that you can't be financed. Alternative and non-bank lenders weigh revenue and cash flow more than credit score, so businesses banks turn down often still qualify for working capital, a line of credit, or invoice financing. Crewline matches declined Canadian businesses to lenders that fund files the banks pass on.
Learn more →Contractors carry the cost of a job — payroll, materials, subs — long before the progress draw or holdback is released, which is why cash flow, not profit, is the usual squeeze. Working capital, a line of credit, and construction invoice factoring each bridge that gap. Crewline matches Canadian contractors and construction businesses to lenders that understand holdbacks and draw schedules.
Learn more →Logging and forestry operations carry heavy costs — fuel, wages, hauling, stumpage — long before mills and licensees pay, and revenue swings hard with the season and the weather. Working capital, a line of credit, and invoice financing bridge that gap. Crewline matches Canadian logging and forestry businesses to lenders that understand the cash-flow cycle, while equipment routes to our sister brand IronFinance.
Learn more →Farms pay for seed, fertilizer, fuel, and labour months before harvest or livestock sales bring revenue in, so the squeeze is timing, not profit. Operating loans, working capital, and lines of credit bridge the season, and the federal CALA program backs agricultural lending specifically. Crewline matches Canadian farms and agribusinesses to lenders that understand the crop and livestock cycle, while equipment routes to our sister brand IronFinance.
Learn more →Demystifying the file
A bank decline is often the wrong product or lender — not a “no.” Alternative lenders weigh revenue and cash flow more than credit score.
Crewline is a referral and matching service, not a lender. We do not make credit decisions or guarantee approval. Financing is provided by third-party lenders subject to their own terms and criteria.