Capitally

What does Capitally offer?

Capitally offers four products. Invoice factoring advances most of an invoice up front and releases the reserve when your customer pays. Asset based lending is a revolving line against receivables and other assets. Purchase order financing pays your supplier so you can fill a large order. Cash flow loans are unsecured and more flexible. Facilities go up to $20 million. Its website is capitally.com, and it has been independent since 2024 after leaving the Liquid Capital network.

Who does Capitally fund, and who do they decline?

Capitally funds Canadian B2B businesses, with some US coverage, across more than 35 industries including aviation, construction, manufacturing, distribution, energy and staffing. Its stated target is a company whose customers are creditworthy even when its own balance sheet is weak or its history is short, which is exactly the file a bank declines.

It does not publish decline criteria. The products depend on your customers' credit, so a business that sells to consumers or to small, slow paying companies has little to factor. Construction is on its industry list, which is notable because many factors avoid it.

What does it typically cost and how fast is it?

Capitally does not publish rates or fees; pricing is quoted per file. Factoring is usually priced as a discount per 30 days on the invoice, and asset based lines as a rate over prime plus fees. Typical ranges are on our invoice factoring and asset based lending pages. Funding speed is not published; expect a secured facility to take longer to set up than a single invoice advance.

What will you need to apply?

Have an aged receivables listing, sample invoices and customer contracts, recent financial statements, bank statements, and for purchase order deals the supplier quote and the customer's order. Corporate documents and owner ID round it out. Our document checklist covers everything on this list.

How does Capitally compare with similar lenders?

Accord Financial is the larger, public alternative with facilities from $5,000 to $30 million and equipment financing in place of purchase order funding. FundThrough is the online factoring option for the US and Canada, with a published factor rate of 1.9% to 2.9% per 30 days and no construction. Capitally sits between them: more hands on than FundThrough, smaller than Accord, and willing to look at construction and short track records.

How to apply

Apply once on this site and matching shows whether Capitally, or a similar lender, fits your file. You can also ask your AI assistant to collect your documents and apply for you through our MCP server. A profile in this directory is a market reference and does not by itself mean the lender is on our network for your file; matching shows the lenders available to you.