Private credit for Canadian business owners — We’re not a traditional bank. We’re theBNK.
Access revenue-based financing with your personal funding specialist. Explore capital for inventory, operations and growth, with someone who takes time to understand your business and guides you from application onward.
- Funding range
- $15,000–$50 million CAD*
- across our funding options.
- Timing
- You could have funds in your business account in as soon as 24 hours.+
Complete your full application so your personal funding specialist can start reviewing your business and working with funding partners on potential offers.
* Range depends on product, eligibility, business and funder assessment.
+ For eligible revenue-based financing applications, after approval and completion of required documents. Subject to funder and banking timelines, cut-off times and business days. Funding within 24 hours is not guaranteed. Asset and crypto products have separate timelines.
Eligibility
See if your business is ready.
Four simple requirements for revenue-based financing. Your personal funding specialist will guide you through anything else.
Revenue-based financing — what you need
- Location
- Operating in any Canadian province (not the territories)
- Trading history
- Minimum 3 months
- Revenue
- Average $15,000 monthly, or $180,000 annually
- Documents
- Most recent 3 months of business bank statements
A soft credit check is used for the initial assessment. Asset-backed financing and crypto-backed loans have separate criteria.
Why theBNK
theBNK. Always in your corner.
Personal attention
Your personal funding specialist takes time to understand your business — and the person behind the application.
Clear terms
Amount, total cost, fees and payment obligations explained plainly before you accept anything.
Support throughout
Guidance from application onward, with clear next steps at every stage.
A lasting relationship
We’re here for what comes next in your business, not just this one decision.
Funding routes
Funding at Founder Speed.
- 01Revenue-based financingCapital for inventory, operations, equipment and growth, assessed on your business revenue, trading history and current commitments.
- 02Asset-backed financingFinancing secured against eligible equipment or property, subject to valuation, documentation and funder assessment.
- 03Crypto-backed loansLoans using eligible digital assets as collateral, with custody, loan-to-value, margin call and liquidation terms explained up front.
How it works
Four steps, one person beside you.
- 01
Complete your full application
Tell us about your business. It takes a few minutes and gives your personal funding specialist what they need to begin.
- 02
Your personal funding specialist reviews and contacts you
They review your business, ask any questions and work with funding partners on potential offers.
- 03
Understand any offer before you accept
If an offer is available, you’ll see the amount, total cost, fees and payment obligations clearly — before you decide anything.
- 04
Funds transferred
After approval and completion of required documents, funds are transferred to your business account.
Submitting an application does not guarantee an offer.
Customer proof
What business owners say
“This totally exceeded my expectations! The specialists assisted me through the funding program, guiding me through the application process smoothly. The personal touch and expertise of their employees made me feel supported every step of the way. Thanks to them, my business is now already receiving many benefits, and we already see higher profits.”
“I signed up to the funding program. The process was super smooth from A-Z. They assisted me with every part of the program and I am so grateful I have chosen this route! They definitely deserve five stars!!!”
“Great service. Walked my team through the process every step of the way. Very professional. Highly recommend.”
“They were very attentive and helped us a lot - I recommend them 100%”
Memberships
Member of the Canadian Lenders Association — SMB Roundtable.
Cost illustration
What funding could cost, in plain numbers.
- Funding amount
- $100,000 CAD
- Factor rate
- 1.19
- Term
- 12 months, modelled as 52 weekly payments
- Financing charge
- $19,000
- Separate fees (assumed)
- $0
$100,000 × 1.19 = $119,000 total repayment.
Total repayment
$119,000
Payments 1–51, each
$2,288.46
Final payment, #52
$2,288.54
51 × $2,288.46 + $2,288.54 = $119,000
- A factor rate is not an APR or an annual interest rate.
- This is an illustration only, not an offer. Actual amounts, costs, fees, exact due dates and terms are set out in your funding agreement.
Short enquiry
Have a question before applying?
Send a short enquiry and your personal funding specialist will help you with your question.
Ready to be considered for funding?
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Funding at Founder Speed.
theBNK. We start where the extra mile ends.
Have a question? Send a Short Enquiry