Calgary Lending

Business Loans · Calgary

Small Business Loans in Calgary

Reviewed by the Calgary Lending editorial team · Last updated · How we write and check our guides

Quick answer

Calgary small businesses can use term loans, lines of credit, equipment financing, government-backed lending such as the Canada Small Business Financing Program or BDC, or alternative lenders. Lenders look at time in business, revenue, and the purpose of the funds.

Calgary's small businesses run from oilfield service contractors and trades to restaurants, clinics and online shops. The right financing depends on what the money is for, how long the business has been operating, and how steady its revenue is.

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Common types of business financing

  • Term loans for a defined purchase or expansion, repaid over a fixed period.
  • Business lines of credit for uneven cash flow, such as waiting on receivables from larger clients.
  • Equipment and vehicle financing, where the truck, trailer or machine is the security.
  • Government-backed lending. The federal Canada Small Business Financing Program shares risk with banks and credit unions on certain equipment and leasehold loans, and BDC lends directly to small businesses.
  • Alternative and revenue-based lenders for newer businesses or faster decisions, at higher cost.

What lenders will ask for

Expect to be asked how long you have been operating, recent business bank statements, financial statements or tax returns, and what the funds are for. Newer businesses are often asked for a personal guarantee. Having these ready makes the conversation faster and the offer better.

Watch for

Merchant cash advances and some short-term business products quote a "factor rate" instead of an annual rate, which makes them look cheaper than they are. Ask for the cost expressed as an annual rate and total dollars before comparing.

Tell us what the funds are for. Call 825-445-5493 or send a one-minute request. It is free, it is not a credit application, and you are under no obligation.

Frequently asked questions

Can a new business get a loan?

Yes, but options are narrower. Lenders lean more on the owner's personal credit, a business plan, and sometimes security or a personal guarantee.

How much can my business borrow?

It depends mostly on revenue, time in business and what you are financing. Equipment loans are sized against the equipment's value.

Do you work with sole proprietors and contractors?

Yes. Many Calgary contractors operate as sole proprietors; tell us how you invoice and get paid and we will match accordingly.

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Calgary Lending is a free referral service. We are not a lender or mortgage brokerage, we do not make credit decisions or quote rates, and approval is never guaranteed. We may receive a referral fee from the lender or broker we connect you with; it is paid by them, not you. Information on this page is general and is not financial advice.

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