Canary Financial
Capital Solutions

Business funding,
matched to your goals.

One short request. Our team reviews it and follows up as we bring commercial financing products online — term loans, SBA, lines of credit and more are on our roadmap.

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Term loan
$250,000
expansion capital
SBA program
Long term
government-backed
Line of credit
Revolving
draw as needed
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Business funding

Commercial financing options.

Explore the business funding products in our marketplace. Submit one request and we'll match you to the options that fit.

Items marked Planned are on our roadmap — coming soon and not yet available to request.
BUSINESS

Business Term Loans

Fixed-amount commercial financing repaid over a set term.
Amount$25,000 – $5,000,000
Typical term1-10 years
ForEstablished businesses
Details
Term financing that provides a lump sum of business growth capital repaid on a predictable schedule. Offered through third-party lenders and funding marketplaces in the Canary network.
Common uses: Expansion, hiring, inventory, refinancing existing debt
BUSINESS

Short-Term Business Financing

Fast working capital repaid over 3-12 months.
Amount$5,000 – $5,000,000
Typical term3-12 months
ForBusinesses with steady monthly deposits
Details
Fast liquidity sized to a percentage of monthly sales with weekly repayments, funded through our network in as little as 2-4 hours. Unsecured, with early-payoff incentives.
Common uses: Working capital, inventory, payroll, seasonal needs
BUSINESS

SBA Loans

Government-backed commercial financing with long terms.
Amount$50,000 – $5,000,000
Typical term10-25 years
ForSmall businesses meeting SBA criteria
Details
SBA-guaranteed programs (such as 7(a) and 504) arranged through participating lenders, suited to longer-term commercial financing needs.
Common uses: Real estate, acquisition, working capital, refinancing
BUSINESS

Business Lines of Credit

Revolving capital you draw on as needed.
Amount$10,000 – $500,000
Typical term6-24 months (revolving)
ForEstablished businesses
Details
A flexible revolving facility that lets a business draw, repay and redraw funds for short-term needs, offered through lending partners.
Common uses: Cash-flow gaps, seasonal needs, short-term purchases
BUSINESS

Business Debt Consolidation

Combine multiple positions into one payment.
Amount$10,000 – $5,000,000
Typical term6-18 months
ForBusinesses carrying multiple advances or loans
Details
Consolidates existing business advances or loans into a single, more manageable repayment plan, arranged through our funding network to lower the frequency and size of payments.
Common uses: Simplifying multiple lender positions, improving cash flow
BUSINESS

Equipment Financing

Finance machinery, vehicles and equipment.
Amount$10,000 – $2,000,000
Typical term2-7 years
ForBusinesses acquiring equipment
Details
Financing structured against the equipment being purchased, typically with the asset serving as collateral, arranged through funding partners.
Common uses: Machinery, vehicles, technology, tools
BUSINESS

Invoice Factoring

Advance capital against unpaid B2B invoices.
Amount$10,000 – $5,000,000
Typical term30-90 days per invoice
ForB2B businesses with receivables
Details
Converts outstanding receivables into working capital by advancing against invoices through a factoring partner.
Common uses: Bridging receivables, payroll, supplier payments
BUSINESS

Purchase Order Financing

Cover supplier costs to fill confirmed orders.
ForResellers, distributors and manufacturers
Details
Funds the supplier cost of a confirmed customer purchase order so the order can be produced and delivered, arranged through funding partners. Often paired with receivables financing once the invoice issues.
Common uses: Large orders, seasonal inventory, new contracts
BUSINESS

DIP Financing

Working capital during a Chapter 11 restructuring.
ForBusinesses in or entering Chapter 11
Details
Debtor-in-possession financing for a business operating under Chapter 11, arranged through funding partners and generally subject to bankruptcy court approval.
Common uses: Payroll, vendors and operations during restructuring
BUSINESS

Payroll Funding

Meet payroll while customers work through payment terms.
ForStaffing and labor-intensive B2B businesses
Details
Funding tied to the invoices billable work creates, so payroll is met on time while business customers pay on their terms. Arranged through funding partners.
Common uses: Weekly payroll, growth hiring, seasonal staffing
BUSINESS

Government Contract Funding

Bridge the wait on government payments.
ForGovernment prime contractors and subcontractors
Details
Funding built around invoices to federal, state and local agencies, for prime contractors and subcontractors, arranged through funding partners.
Common uses: Mobilization, payroll, supplier costs on awarded contracts
BUSINESS

Revenue-Based Financing

Repayment that flexes with your revenue.
Amount$25,000 – $2,000,000
Typical term6-24 months
ForRevenue-generating businesses
Details
Capital repaid as a percentage of ongoing revenue, offered through funding partners for businesses with steady sales.
Common uses: Growth, marketing, inventory for revenue-generating businesses
BUSINESS

Merchant Cash Advance

Advance repaid from future card sales.
Amount$5,000 – $500,000
Typical term3-18 months
ForRetail, restaurant and service businesses
Details
A purchase of future receivables that provides fast working capital, repaid from daily or weekly card-sales remittances via a funding partner.
Common uses: Short-term working capital for card-based businesses
BUSINESS

Commercial Real Estate Financing

Financing for owner-occupied and investment CRE.
Amount$100,000 – $25,000,000
Typical term5-25 years
ForBusinesses and CRE investors
Details
Commercial mortgage financing for the purchase, refinance or improvement of commercial property, arranged through lending partners.
Common uses: Purchase, refinance, build-out of commercial property
BUSINESS

Franchise Financing

Capital to open or expand a franchise.
Amount$50,000 – $5,000,000
Typical term5-15 years
ForFranchisees and multi-unit operators
Details
Financing tailored to franchise acquisition, build-out and working capital, arranged through funding partners familiar with franchise models.
Common uses: New units, build-out, remodels, working capital
BUSINESS

Healthcare Financing

Commercial financing for healthcare operators.
Amount$25,000 – $5,000,000
Typical term1-10 years
ForHealthcare practices and facilities
Details
Financing for medical, dental and healthcare businesses, from equipment to expansion, arranged through specialized funding partners.
Common uses: Equipment, expansion, acquisition, working capital
BUSINESS Planned

Professional Practice Financing

Financing for professional service practices.
Amount$50,000 – $5,000,000
Typical term5-15 years
ForLicensed professional practices
Details
Commercial financing for law, accounting, veterinary and other professional practices, arranged through funding partners.
Common uses: Acquisition, partner buy-in, expansion, working capital
Get started

Business funding request.

One short request. We review it and present the funding options that fit — no obligation.

Start your Small Business Funding request — tell us about your business and ownership, and we'll match you to a nationwide bank funding partner.

Start your application
Important disclosure

Canary Financial is not a bank or direct lender. Financing products may be offered through third-party lenders, funding marketplaces, referral partners, or lending partners. Approval, interest rates, loan terms, funding timelines, and eligibility are determined solely by the applicable funding provider. Submission of a funding request does not guarantee approval or funding.