The Problem with Government Programs. Programs like BDC loans and provincial small business programs require extensive documentation, personal guarantees, detailed business plans, and processing times of 30–90 days. Many small businesses are declined or give up during the process.

Private Lending: A Faster Path. Alternative private lenders evaluate businesses on current performance — revenue, cash flow, and industry — rather than extensive financial history. Approvals happen in hours, not months. Funding in 24–72 hours.

Comparing Costs and Terms. While alternative lending rates may be higher than government-subsidized programs, the speed of access to capital often generates returns that far exceed the financing cost. A contract won today is worth more than a loan approved in 3 months.

Voxen: Private Lending Built for Speed. Voxen Capital offers private business financing from $10K to $50M across multiple product lines. 10-minute application, 24-hour approval, and funding structures designed for real business needs.

Related

• Business Line of Credit up to $1,000,000
• Business Term Loans for Canadian SMBs
• Invoice Factoring for Canadian Businesses

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