Can a brand-new business get financing in Canada?
Yes, but options are narrower. Startups under 6 months typically access equipment financing, secured lines of credit, government-backed programs (CSBFP), or financing tied to a strong personal guarantor.
Start an applicationPure cash-flow-based products generally require 6 months of operating history because the underwriting model needs deposit data.
Startup-friendly paths: Canada Small Business Financing Program (CSBFP) for equipment/leaseholds up to $1M, equipment leases, secured lines of credit backed by personal assets, and seller financing for acquisitions.
Voxen advises new businesses on structuring the first 12 months of capital so subsequent rounds open up the full alternative market.