Payroll
Cover a payroll run or bridge a slow stretch without pulling from the business itself.
Ottawa, ON Start a funding conversation
Business funding, Canada wide
Money for payroll, equipment or growth, arranged around your business
Built Capital arranges funding for small and medium-sized Canadian businesses. Payroll, a marketing budget, new equipment or an expansion, structured as cash, equipment finance, or lease-to-own ending at a $20 buyout. New or soon-to-be-incorporated companies are welcome.
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Payroll, marketing, equipment or expansion, one conversation · New companies welcome, lenders read the directors first · Banks and private lenders, so the file goes where it fits · The first machine or the fifth, with no fixed ceiling
New to business
A new corporation starts with a clean slate.
Lenders read the directors' credit rather than two years of statements, so a business incorporated last month is not shut out. Tell us what you are trying to buy and where the business is going, and we work back to the number from there.
The same file covers whatever is holding the business back
New equipment
Cash, equipment finance, or lease-to-own ending at a $20 buyout. The first machine or the fifth.
Marketing and growth
Budget to take on the ad spend, the extra van, or the hire that gets the business to the next stage.
What we offer
- Working capital for payroll and operating costs
- Marketing and growth capital
- Equipment finance
- Lease-to-own with a $20 end buyout
Frequently asked questions
How much can I get?
The floor is $5,000 and there is no fixed ceiling. What is realistic depends on the asset, the directors, and where the business is going. That is the first conversation, not a form field.
My corporation is only a few months old. Does that limit what I can buy?
Usually the opposite. A new corporation starts with a clean slate, and lenders read the directors' credit rather than two years of statements. A lot of the operators we fund incorporated in the last year or two.
What does a seasonal structure actually mean?
On lease-to-own we can arrange for payments to pause through your off months and resume when your season does. It suits snow, landscaping and tree work, where revenue is concentrated in part of the year. It is arranged per file, not a switch you flip later.
Should I lease or buy?
It depends on the asset and your books. Lease-to-own ends at a $20 buyout and the payments may write off, which is why a lot of operators choose it. Talk to us before you sign for the truck and we will walk through both.
How much equipment can I carry at once?
Running more than one file at a time is normal as a fleet grows. What is realistic depends on the equipment, the directors and where the business is going, which is the first conversation rather than a form field.
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