Fast working capital
for Canadian businesses.
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1 to 24 hour approvals Most files decisioned the same business day you apply.
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No collateral required Unsecured working capital up to $1M — based on cash flow, not assets.
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Canadian direct lender We fund from our own balance sheet, in every province and territory.
How it works.
No long waits. No confusing terms.
Apply
Fill out a 4-minute online application or call us. Soft credit pull only — no impact to your score.
Get Your Offer
Our in-house underwriters customize a real offer with real terms — typically within hours.
Receive Capital
Sign electronically and funds wire directly to your business account in as little as 24 hours.
Build your request.
Tell us how much you need and over what term. We’ll carry it straight into your application — no numbers calculated or shown here.
Funded by us. Not shopped to anyone else.
Most “lenders” you’ll talk to are brokers in disguise — they shop your file across a dozen desks. That costs you time, fees, and privacy. Flowline is the desk.
Built for the businesses banks find inconvenient.
We fund every legal industry across Canada. A handful of categories our clients come from most often:
+ restricted: cannabis cultivation, adult, gambling. Otherwise — we look at the file.