SOLUTIONS FOR WHAT’S NEXT
Explore options that support your cash flow, equipment and growth. Start with the solution closest to your needs.
Explore your options
Access working capital based on your business revenue. Explore an advance for inventory, payroll or a seasonal cash-flow gap.
Explore financing
Finance a defined business project with a lump sum and an agreed repayment schedule. Plan an expansion, renovation or longer-term investment.
Explore financing
Explore revolving credit for recurring business needs. Draw funds within an approved limit and replenish available credit as you repay, subject to your agreement.
Explore financing
Explore financing for the machinery, vehicles and tools your business relies on. Spread the purchase cost while keeping cash available for operations.
Explore financing
Explore access to cash against eligible outstanding business invoices. Bring forward a portion of your receivables instead of waiting for customer payment.
Explore financing
Discuss financing when your credit history makes borrowing more difficult. Your business performance and current circumstances are part of the conversation.
Explore financingDiscuss property-backed financing for a home purchase or refinance. Explore options based on the property, available equity and your circumstances.
Explore financingExplore revolving financing secured against your home. Discuss access to equity for planned expenses, subject to property and lender eligibility.
Explore financingExplore financing for a commercial property purchase or refinance, including premises used by your business or held as an investment.
Explore financingDiscuss financing for properties with multiple residential units. Explore options for an acquisition, refinance or improvements to a rental property.
Explore financingExplore financing for a land purchase or refinance. Discuss the parcel, its intended use and the next steps in your project.
Explore financingDiscuss additional financing secured behind an existing first mortgage. Review the costs and obligations of accessing property equity.
Explore financingCANADIAN BUSINESS FINANCING
Next Fund helps Canadian business owners explore financing through lending partners. Options include term loans, business lines of credit, equipment financing, merchant cash advances and invoice factoring. Apply in English or French with your funding needs and business details; approval and terms depend on the lender’s review.
| Financing option | Possible uses | How it works and what to compare |
|---|---|---|
| Merchant cash advance | Inventory, payroll or other operating expenses. | Review the advance agreement for the total amount payable and payment frequency, including how payments respond to changes in sales. |
| Term loans | A planned expansion, renovation or defined project. | A lump sum repaid on an agreed schedule. Compare the term, total cost and early-repayment conditions. |
| Business line of credit | Recurring expenses or seasonal cash-flow gaps. | Draw within an approved limit and reuse available credit as you repay, subject to the agreement. Check interest, fees and repayment requirements. |
| Equipment financing | Purchasing machinery, business vehicles or tools. | Payments follow the financing agreement. Compare any down payment, security requirements and total cost. |
| Invoice factoring | A construction business with eligible unpaid customer invoices, or another business waiting on invoice payments. | Eligible invoices are sold for access to funds before customers pay. Compare fees, collection arrangements and responsibility for unpaid invoices. |
| Credit-challenged business loans | Exploring options when credit history limits borrowing. | This is a review of available options, not one repayment structure. Costs, security and payments depend on the product and lender. |
Have your legal business name, industry, time in business, monthly revenue range, requested amount and funding purpose ready. The application also asks for your name, email, phone number and province or territory. Your advisor will confirm any supporting documents needed for the lender’s review.
Review the total repayment amount, interest and fees, payment frequency, term, security requirements and any early-repayment conditions. These depend on the product and lender. Next Fund does not guarantee approval, a particular rate or a funding deadline.
BEFORE YOUR NEXT STEP
NEXT FUND GUIDE · 01
A practical Next Fund checklist for your business details, funding purpose, bank statements and questions before applying.
Read the guideNEXT FUND GUIDE · 02
Compare the amount received, total repayment, fees, payment frequency and conditions before accepting business financing.
Read the guideA CLEAR PATH FORWARD
Answer a few questions about your business or property. The application adapts to what you need.
An advisor reviews your request, discusses the details and helps you understand potential financing.
Review your offer and its terms. Once approved and completed, funding can move forward.
LET’S MAKE IT HAPPEN
Tell us where you want to go. We’ll explore the way forward.