Small Business Loans Powered by Thinking Capital

Finding the right loan is simple

Thinking Capital has helped thousands of businesses across Canada get the money they needed to grow their business. When we at Valley Credit Union are unable to provide a small business with funding, we refer them to Thinking Capital where they can apply for alternative financing. Thinking Capital's unique approach enables small businesses to secure growth and operating capital in as little as 24 hours, based on how well their business is managed.

Get funded in 3 easy steps

 Apply Online

Simple and fast application with no paperwork. Apply in minutes.

Get Approved

You will get an instant decision on your application.

Get Funded

Receive funds in your bank account in as little as 24 hours.

Get started today

Choose the Financing that best suits the need of your business

Flexible Payment Solutions

Smart, flexible financing

With flexible financing, a small percentage of your daily card sales will contribute to your total repayment amount. It’s a convenient solution that aligns with your cash flow so you pay more when business is good and less when it’s slow. 
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Fixed Payment Solutions

Predictable, fixed financing

With fixed financing, your repayment plan will consist of daily fixed installments. The consistent and predictable nature of this solution allows you to put the focus on growing your business. 
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Qualification Requirements

Canadian-based business Operates with a business bank account
In business for at least 6 months Average monthly sales of at least $7,000

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