Last updated: January 2026
Flowline Merchant Funding Inc. is a direct funder. We fund approved applications from our own balance sheet and do not sell or shop your file to other lenders.
Depending on the product, funding may take the form of a commercial loan or a purchase of future receivables. Product type, pricing, and terms are confirmed in writing before you accept an offer.
Figures shown on this site (decision windows, funding ranges) are illustrative of typical outcomes and are not a guarantee of approval, amount, or timing for any individual application.
Where we say a step is "soft pull only," we mean it does not affect your personal credit score. A full application may involve a hard credit inquiry later in underwriting, which will be disclosed to you first.
We aim to fund businesses in every Canadian province and territory; availability of specific products may vary by jurisdiction.
For a copy of your specific offer's terms and cost of capital, contact your underwriter directly or email info@flowlinefunding.ca.
Placeholder disclosures — to be reviewed by legal counsel before publishing.