Capital that moves as fast as your business.
We back small and medium-sized Canadian businesses with flexible working capital — funded in days, not months. Real people, plain terms, zero red tape.
A small, scrappy lender for the businesses big banks overlook.
Velora Capital was founded in 2025 by a group of lending experts and small-business owners who were tired of watching good companies get turned down for not fitting a spreadsheet. We're an alternative lender based in Canada, and we treat every file like it's our own shop on the line.
No call centres. No 80-page applications. Just a real underwriter on the phone within a day.
If we can't fund you, we'll tell you why — and often who can. No runaround, no hidden fees, no ghosting.
We finance small and medium-sized businesses — never personal loans.
Velora specializes in commercial lending for incorporated Canadian businesses doing $100K+ in annual revenue. If you sell a product or a service, we probably have a fit.
Working capital loans
Cover payroll, inventory, or a slow month. $5K–$100K, repaid daily or weekly to match your cash flow.
Growth financing
Open a second location, buy that piece of equipment, take the big contract.
Bridge & receivables
Don't wait 90 days for a customer to pay. We advance against your receivables so you can keep moving.
Industries we love: trades, food & bev, retail, logistics, healthcare, manufacturing, professional services.
A track record we're quietly proud of.
Four steps. No theatrics.
Tell us about you
A 5-minute application. Basic business info and your last 6 months of bank statements.
Talk to a real human
An underwriter calls within 4 hours. We ask the questions a spreadsheet can't.
Get a clear offer
Plain-English terms with no surprise fees. Take a day to think it over — no pressure.
Funds in your account
Sign digitally and we wire the money. Most deals close in 48–72 hours from start to finish.
Let's get your business funded.
Tell us a little about your business and we'll get back within 4 business hours. No credit pull, no obligation.