Journey Capital Reviews, Ratings And Fees


1100 Rene Levesque, Montréal, QC
Vancouver, BC
H3B 4N4


Mon – Fri 9am to 6pm

Who is Journey Capital 

Journey Capital (formerly OnDeck Canada) is a national leader in reliable, accessible and efficient online lending for Canadian small businesses, offering a wide range of financing products including Term Loans, Lines of Credit, and Flex Fund advances coast to coast in both English and French.  Since its inception in 2015,Journey Capital has pioneered the use of data analytics and digital technology to make real-time lending decisions and rapidly deliver funding to Canadian small businesses in as fast as 24 hours. Journey Capital has provided over CAD$440 million in capital to small businesses nationally. Journey Capital is rated 5-Stars “Excellent” by Canadians on Trustpilot.

For more information, visit

What products does Journey Capital Offer?

Journey Capital offers business term loans and advances. There is one application for Journey Capital financing, and our system will evaluate which ones best fit your business’s cash flow and needs.

How is Journey Capital different from other lenders?

We can deliver decisions in minutes and we value your overall business performance – not just your personal credit score.

Application Profile:

  Minimum Requirements Our Typical Customer
Time in Business 6 months 4 years
Credit Score 550+ 630+
Annual Revenue $100,000 $500,000+


How To Apply For An Journey Capital Loan:

  1. Complete the online application
    Takes less than 10 minutes
    Provide us a few pieces of information about your business
  2. Review your options
    Ready in as fast as one business day
    Your dedicated lending advisor will reach out and work with you to choose the best offer.
  3. Get your funds
    Available as soon as same day
    Complete the process and the money is in your business bank account in as fast as 24 hours.

Frequently Asked Questions

How does the application process work?

Journey Capital’s online application process is simple and typically takes about 10 minutes. You can apply online here

What information do I need to apply?

Basic business information, basic information about you – the owner, and your most recent business bank statements.

How do I qualify for Journey Capital financing?

Journey Capital has a variety of financing options to suit your needs. To qualify, your business should be:

  1. Based in Canada.
  2. Minimum 6 months in business
  3. Minimum of $100,000 in annual revenue

How quickly can I receive Journey Capital financing?

Journey Capital can deliver decisions in minutes, and funding in as fast as 24 hours.

Is there any obligation to apply?

No, there is no obligation.

How does repayment work?

Depending on the financing selected, Journey Capital deducts an agreed upon amount or % of card sales from your business bank account on a daily basis. These daily payments help ensure minimal impact to your cash flow and are proven to prevent the snowball effect often caused by missing larger monthly payments.

As a customer, you will have access to an online account where you can monitor your balance and your payment activity 24/7/365.

Is Journey Capital unsecured financing?

Journey Capital financing is not unsecured. However, we do not require any specific amount, type or value collateral and no appraisal or specific assets are required. Our financing is secured by a general lien on the assets of the business and backed by a personal guarantee. We do not take personal assets of the guarantors as collateral.

What industries do you work with?

We work with more than 700 different kinds of businesses including restaurants, retailers, auto repair shops, healthcare professionals, and many other service providers.

We don’t serve these restricted industries.

When are we eligible for additional funding?

You may be eligible for additional funding when your loan is 50% paid down and you are 50% through your payment schedule. However, speaking with your lending advisor for instructions is always recommended.

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