Journey Capital

What does Journey Capital offer?

Journey Capital offers a fixed term loan over six to 24 months with daily or weekly payments, a revolving line of credit, and a flex advance priced on a factor rate that works like a merchant cash advance. Amounts run from $10,000 to $500,000 and are mostly unsecured, though facilities above $300,000 may require security. Its website is journeycapital.ca, and it publishes more than $1 billion deployed, as a company figure. Service is in English and French.

Who does Journey Capital fund, and who do they decline?

Journey funds established Canadian small businesses in every province, with retail, food and beverage, health and wellness, restaurants, convenience, automotive and salons named. Its published fit is annual revenue above $120,000 with steady card sales.

Its published exclusions are firearms, gambling and money services. Beyond that it does not publish decline criteria. Daily or weekly payments need consistent deposits, so a business paid on long invoice terms is a poor fit and should compare FundThrough. Businesses outside Canada are not eligible.

What does it typically cost and how fast is it?

Journey does not publish rates or fees; pricing is quoted per file, as a fixed total cost on the term loan, interest on the line, and a factor rate on the flex advance. Convert the factor rate with our APR versus factor rate guide and compare with the typical ranges on our short term loan page. Funding speed is not published beyond a general claim of fast access.

What will you need to apply?

Expect three to six months of business bank statements, card processing statements if you want the flex advance, a void cheque, owner ID, your business number and incorporation documents, and for larger amounts a recent tax return or financial statements. Our document checklist covers the full set.

How does Journey Capital compare with similar lenders?

Driven, formerly Thinking Capital, offers the same $10,000 to $500,000 range with terms of three to 24 months and publishes a starting price of 3.9 cents on the dollar. Merchant Growth goes to $1 million on term financing with a disclosed cost and no compounding, from Vancouver. The three are close substitutes; compare the quoted cost per dollar, the term and the payment frequency, and note that Journey is the one with French language service.

How to apply

Apply once on this site and matching shows whether Journey Capital, 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.