Journey Capital Review 2026
Updated on July 25, 2026
About 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.
What products does Journey Capital Offer?
Journey Capital offers business term loans and advances. There is one application for Journey Capital financing, and their system will evaluate which ones best fit your business’s cash flow and needs.
How is Journey Capital different from other lenders?
They 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 A Journey Capital Loan:
- Complete the online application
Takes less than 10 minutes
Provide us a few pieces of information about your business - 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. - 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.
How does the application process work?
Journey Capital’s online application process is simple and typically takes about 10 minutes.
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:
- Based in Canada.
- Minimum 6 months in business
- 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, they do not require any specific amount, type or value collateral and no appraisal or specific assets are required. Their financing is secured by a general lien on the assets of the business and backed by a personal guarantee. They do not take personal assets of the guarantors as collateral.
What industries Journey Capital work with?
They work with more than 700 different kinds of businesses including restaurants, retailers, auto repair shops, healthcare professionals, and many other service providers.
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.
Availability
Canada wide