Capital that moves at the speed of your business.
River Finance gives Canadian small businesses fast, flexible funding — no collateral, no lengthy bank process, and no waiting weeks for a decision you needed yesterday.
Direct decisions
A funding specialist reviews your file personally — no broker runaround, no reselling your application.
Transparent pricing
You see your total cost before you sign — one flat figure, clearly stated. No hidden fees.
From application to funding, in four steps.
No stacks of paperwork and no in-branch meetings. The whole process happens online, on your schedule.
Apply
Tell us about your business. Takes about 5 minutes.
Review
A funding specialist reviews your revenue and cash flow — not just a credit score.
Offer
Get a clear, upfront offer: funding amount, total cost, and repayment structure. No surprises.
Fund
Accept your offer and funds are deposited directly to your business account, as fast as 24 hours later.
One straightforward product, built around revenue.
Working capital based on what your business earns — not what's on your balance sheet.
A Revenue Advance provides a lump sum of capital in exchange for a fixed, agreed-upon portion of your future sales. It's a purchase of future receivables, not a loan — so there's no interest rate to calculate, just one clear total cost agreed before you sign.
River Finance provides a purchase of future receivables (revenue-based financing). This is not a traditional business loan.
Apply for a Revenue AdvanceMost Canadian small businesses do.
See what your business could qualify for.
Reach out with a few basics — time in business, monthly revenue, and what you need the funding for — and a funding specialist will follow up with your options.
Start your applicationBuilt for how Canadian businesses actually operate.
Some of the industries we fund.
A faster, clearer path to capital.
River Finance exists because the traditional bank process wasn't built for how small businesses actually move — a seasonal inventory buy, a payroll gap, an equipment breakdown that can't wait six weeks for a loan committee.
We fund based on how a business is actually performing, not just what's on paper. That means looking at real revenue and cash flow, giving a clear answer quickly, and being upfront about the full cost before anyone signs anything.
Common questions
Is this a loan?
No. River Finance provides revenue-based financing — a purchase of a fixed portion of your future sales, repaid as your business earns. There's no interest rate to calculate; you're quoted one fixed total cost upfront.
How fast can I get funded?
Most approved applicants receive funds within 24 hours of accepting their offer, once all required documentation is confirmed.
What can I use the funding for?
Anything your business needs — payroll, inventory, equipment, marketing, expansion, or covering a short-term cash flow gap.
What if my business has less-than-perfect credit?
We weigh your business's cash flow and revenue more heavily than a personal credit score, so approval doesn't hinge on a perfect credit history.
How do repayments work?
Repayments are collected daily or weekly.