Lender match 01Term loan
Product 01 / Business loans
The right lender for the business.
From application to answer. As little as 24 hours.
Answer the questionnaire, compare your matches from a curated lender network, and send documents straight to the lender you choose.
See your estimated likelihood of approval with each matched lender — before any file or documents are sent.
Intake · step 2 of 5
Tell us about the business
Business name
Monthly revenue
Funding amount
Illustrative. Available lending paths and any offers depend on the file and underwriting.
Term Loans & Working Capital
Working-capital products provide a lump sum or advance for inventory, payroll, expansion, and other operating needs; repayment structure varies by product.
Short-term business loans
A lump sum with a contractual repayment schedule and term that may suit inventory, payroll, marketing, or another defined operating need.
Working capital advances
A revenue- and bank-activity-based structure that may use recent business statements and a concise application.
Merchant cash advance
An advance repaid from future sales under the provider’s contractual remittance structure.
Revenue-based financing
A financing structure whose contractual remittance may vary with reported revenue.
Lines of Credit
A line of credit is standby capital: draw what you need, repay, and reuse — and only pay for what you use.
Revolving business line of credit
Draw, repay, and reuse within the approved limit and the access rules of the selected facility.
Interest-only line of credit
For qualified borrowers who want lower near-term payments while capital is deployed into growth.
eCommerce line of credit
Sized against your sales-platform performance — Shopify, Amazon, and beyond — instead of traditional financials.
Asset-Backed & Bridge Lending
Asset-backed lending uses eligible equipment, property, receivables, or inventory as security and considers both asset value and the business behind the request.
Real estate bridge loans
Short-term loans secured by eligible commercial or investment real estate; timing depends on valuation, title, and underwriting.
Equipment-backed loans
Sale-leaseback / cash-outFinancing secured against machinery, vehicles, or heavy equipment you already own.
Sell eligible owned equipment to a financing provider and lease it back while the asset remains in business use.
Open file →Hard money real estate loans
Asset-based real estate lending where qualification rests on the property and equity, not income documentation. Interest-only structures available.
Equipment Financing & Leasing
Equipment finance covers new, used, dealer, auction, and private-sale assets through a dedicated Nex application lane.
Equipment financing
Loans or leases for eligible new or used equipment, with terms aligned to the asset and proposed structure.
Open file →Startup equipment programsNewer businesses may be considered when owner experience, the asset, cash flow, and the complete file support the request.
Open file →Mid-to-large ticket leasing
Specialty industry programsOperating and capital leases for serious iron — manufacturing lines, fleets, medical suites.
Construction, healthcare, manufacturing, life sciences, and IT — lenders who know the asset class.
Open file →Invoice & Receivables Financing
Receivables financing may provide earlier access to cash from eligible work already delivered, subject to verification and facility terms.
Invoice factoring
Receive an agreed advance against eligible unpaid invoices; the reserve, contractual fee, and release conditions are defined in the facility terms.
Open file →Invoice financing
A facility may be structured against selected eligible invoices while your business keeps collections in-house, subject to provider terms.
Supply chain financing
Pay suppliers immediately and extend your own repayment terms — both sides of the ledger get room to breathe.
Purchase order financing
Fund the cost of fulfilling a confirmed purchase order, so a big win never dies of working-capital starvation.
Specialty & Innovation Financing
Innovation financing funds what banks struggle to underwrite: recurring revenue, tax credits, and inventory in motion.
SR&ED & tax credit financing
Financing may be available against eligible Canadian SR&ED credits or other confirmed government receivables.
Venture debt
Debt capital for eligible technology and recurring-revenue businesses to compare alongside equity financing.
Revenue-based financing for SaaS
Growth capital repaid as a percentage of monthly revenue — you stay in control while you scale.
Inventory financing
Advances secured against eligible business inventory, so shelves stay stocked ahead of the season.
Commercial Real Estate
Financing for the space your business owns — or is about to.
Owner-occupied CRE financing
Bank-grade financing for businesses purchasing their own premises.
Mezzanine & subordinate debt
Layered financing secured against multifamily property cash flow.
Early Payment & Supply Chain
Capital that moves with goods — before, during, and after delivery.
Early payment programs
Suppliers receive accelerated payment on approved invoices — loyalty you can bank on.
In-transit supply chain finance
Funding for goods on the water or on the road, before they ever reach the dock.
Operating model
Nex runs the comparison.
- Role
- Curated lender network; independent provider decisions
- Sequence
- One profile → Nex review → curated options → applicant decision
- Control
- No obligation to accept a proposed facility
03 / From brief to lender
How does the loan marketplace work?
One guided portal keeps the questionnaire, lender comparison, documents, and messages together.
- 01
Fill the questionnaire
Share the business profile and funding need in one guided intake.
- 02
See your matches
Review the lenders that fit the file and each estimated approval likelihood.
- 03
Pick your lender & start
Choose the path you prefer before an application is sent.
- 04
AI auto-completes your application
Upload your core documents once — auto-fill takes care of the rest.
- 05
Message Nex anytime
Your Nex specialist keeps questions and updates in one place.
Intake form · step 2 of 5
Tell us about the business
Business name
Monthly revenue
Funding need
Matches · based on your intake
Compare the paths that fit
Estimated probability of approval
Lender match 02Line of credit
Lender match 03Working capital
Lender match 04Revenue-based
Lender match 05Asset-backed
Applications · lender selected
Start with your preferred lender
Lender match 01Excellent fit for this file
You stay in control of which lending path moves forward.
Applications · document assist
Auto-fill application
Bank statementsGovernment ID
Drop your documents and the application fills itself.
Illustrative. Available lending paths and any offers depend on the file and underwriting.
Apply now
Free · about 10 minutes · opens the Nex application portal
Business loan questions, answered.
Straight answers on credit, speed, documents, and amounts.
Can I get a business loan with bad credit?
A lower score does not automatically end the conversation. Nex reviews cash flow, time in business, collateral, and the purpose of funds before identifying suitable financing paths. Your credit is only checked when you send your application to the lender you choose.
How fast can I get funded?
Timing depends on the product, requested amount, lender underwriting, and how quickly supporting information is available. Nex confirms the next step after reviewing the initial application and keeps the applicant informed as the file moves.
What documents do I need to apply?
The Nex application portal starts with the funding need, a concise business profile, and contact details. Documents are not required on the first screen. Nex or a selected lender may request bank statements, identification, or financial statements later when they are relevant to the product.
Can I get a loan if I owe the CRA?
Tax arrears can narrow the available structures but do not replace a proper review. Disclose the balance and payment arrangement so Nex can identify whether a suitable path exists.
What is the difference between a secured and an unsecured loan?
A secured loan uses eligible equipment, property, receivables, or another asset as collateral. An unsecured loan relies more heavily on business cash flow and financial strength. Available amount, pricing, term, and security depend on the proposal and underwriting.
How much can I borrow?
Available amounts depend on revenue, time in business, cash flow, security, and the use of funds. The Nex application portal collects an initial amount so the request can be matched; the final amount and structure remain subject to underwriting.
Does checking my eligibility guarantee approval?
No. The eligibility view is an estimate based on the initial business profile. Any offer, amount, pricing, and timing depend on the complete file, underwriting, and the selected financing provider.
The market, working for you.
See the matched lending paths before you choose which application moves forward. Your credit is only checked when you send your application to the lender you choose.
Check my eligibility