Canadian SMB financing

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.

Apply in 5 minutes See what we offer
No personal loans• $5K – $100K• Decisions in 24 hours
Who we are

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.

Founded
2025
Headquartered
Toronto, ON
Team size
10 humans
Avg. response
Under 4 hours
Our promise
A straight answer, every time.

If we can't fund you, we'll tell you why — and often who can. No runaround, no hidden fees, no ghosting.

What we do

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.

Tell us about your business
impact
growth
By the numbers

A track record we're quietly proud of.

0+
Businesses backed
0h
Average approval time
0/5
Client satisfaction
The process

Four steps. No theatrics.

01

Tell us about you

A 5-minute application. Basic business info and your last 6 months of bank statements.

02

Talk to a real human

An underwriter calls within 4 hours. We ask the questions a spreadsheet can't.

03

Get a clear offer

Plain-English terms with no surprise fees. Take a day to think it over — no pressure.

04

Funds in your account

Sign digitally and we wire the money. Most deals close in 48–72 hours from start to finish.

Get started

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.

Tell us about yourself

This will only take a minute