Grow Your Business with Smart Financing

Access flexible business loans up to $5 million with competitive rates and personalized solutions tailored to your needs.

Quick approval process
Flexible repayment terms
24-hour funding available

How Do Business Loans Work?

A business loan is essentially a lump sum of money that a bank or lender provides to help you grow your business. In return, you agree to repay the loan through regular installments over time. Depending on your business needs and qualifications, there are various types of loans available:

Secured Business Loans

These loans are backed by assets your business owns—such as property, vehicles, or machinery. If repayments stop, the lender can claim the pledged assets. Because of this security, you typically get lower interest rates and a longer repayment period.

Unsecured Business Loans

These don't require collateral. Instead, the lender looks at your credit history, business income, and future cash flow. Since there's more risk for the lender, these loans usually come with higher interest rates and shorter repayment terms.

Startup Loans

Designed for new businesses, startup loans are based on the strength of your business plan, founding team, early financials, and projected revenue. Since startups often lack assets or credit history, strong documentation is key to securing this type of funding.

Small Business Loans

These loans are perfect for quick capital to help your business grow or tackle challenges. Common uses include purchasing equipment, expanding operations, hiring staff, or paying off overdue bills or taxes.

Government Loans

Since COVID-19, government loans have become a significant funding option. They often don't require collateral, may be partially forgivable, and can be easier to qualify for than traditional bank loans. These loans often carry low or even zero interest rates.

How Much Can I Borrow?

Loan amounts typically start at $5,000. Below that, you may want to consider a line of credit or business credit card. On the higher end, small business loans can go up to $5 million—depending on your business profile and eligibility.

What Are the Interest Rates?

Interest rates for Canadian business loans depend on the Bank of Canada's policy rate, plus a margin based on your business's risk profile. Factors influencing the rate include:

  • Your business's financial history
  • Your personal credit score
  • Whether you can offer collateral (like property or equipment)

Lower risk means lower rates. Government loans and grants may offer minimal or no interest—making them a smart option to explore.

How to Apply

Register your business with us, and we'll quickly scan the market to connect you with the best business loan options available. Whether you're a startup or an established company, we'll help you find the right funding solution in minutes.

Start Your Application

What our Customers Say?

Don't just take our word for it - hear from some of our satisfied customers

Diana S.

Diana S.

iCommissions is super easy to work with. Fast and same day payment. Highly recommend. All brokerages should work with a company like them so their agents can have a peace of mind.

Meta Realty

Meta Realty

As the broker owner of Meta Realty, we're always committed to providing the best service to our 120 agents. iCommission has been great to work with. They provide quick commission advances at very competitive rates so our agents can access their commission faster allowing them to further grow their business.

Shruti O.

Shruti O.

Icommission has helped me financially in today's market. I get the advance within 48 hours. The process is seemless and is handled efficiently by the brokerage. Chris and his team is very transparent and believes in open communication and feedback.

Tony S.

Tony S.

They were able to provide me a commission advance within a couple of hours of requesting it. It was a quick and easy process and they're a lot cheaper than other commission advance services. I would use them again and refer them to anybody who asks.

Dion A.

Dion A.

I highly recommend iCommission. I recently firmed up on resale home for one of my clients and needed access to the funds before closing. They offered very competitive fees and I was able to get the funds in less than 24 hours. Very good experience with iCommission. Definitely won’t be the last time using them

Gurvir S.

Gurvir S.

iCommission team did a fantastic job. They were quick with their turnaround and processing our business line of credit. The process was seamless and very easy. Highly recommend the iCommission team to anyone looking to grow their business.

Samuel W.

Samuel W.

As a brokerage owner, iCommission has been a game changer for my agents. The platform makes commission payments easy, efficient, and removes the painful wait time we’re all used to. By offering immediate access to funds, iCommission empowers agents to reinvest in their business, giving them the liquidity they need to grow. This boost in cash flow directly contributes to their professional development and success. Highly recommend for any brokerage looking to support their agents' financial and business growth!

Saud P.

Saud P.

Amazing service. Much needed in the Industry, Especially with the Pre-con market. I recommend this company to all agents. Submitted my paperwork in the morning and the funds were in my account within hours.

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Frequently Asked Questions

Have questions about business loans? Find answers to common questions below.

Still have questions? Contact our support

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