About us

A direct lender, built to fund Canadian businesses faster.

Flowline is a Canadian working-capital lender. We fund every deal from our own balance sheet — no shopping your file to a dozen desks, no waiting on someone else's approval.

10+ years of lending experience.

Our team has spent over a decade underwriting and funding small and mid-sized businesses. We've seen what makes a business fundable — and what doesn't — and we built Flowline around that judgment instead of a rigid checklist.

That experience is why we can move fast: our underwriters make the call, funds come from our own balance sheet, and there's no broker in the middle slowing things down or taking a cut.

We're headquartered in the Greater Toronto Area and fund businesses in every province and territory across Canada.

What we believe
  • Direct is better. When we fund the deal, we own the relationship — and the outcome.
  • Speed matters. Cash-flow gaps don't wait for paperwork. Our decisions shouldn't either.
  • Clarity over fine print. No hidden fees, no confusing terms — you know exactly what you're signing.
10+ yrs
Lending experience
1hr – 24hr
Decision window
Coast to coast
Every province & territory

Ready to talk to an underwriter?

Get Funded