
Journey Capital
Journey Capital is a proudly Canadian enterprise providing top-tier financing solutions for Canadian small businesses. They offer an extensive array of online lending services, including Business Term Loans, Business Lines of Credit, and Flex Fund merchant advances. Since 2009, Journey Capital has led the industry in transparent, efficient, and data-driven lending practices, leveraging technology to deliver rapid funding.
Expert Review
Best For
This lender is ideal for Canadian small businesses seeking fast, flexible, and transparent financing solutions.
Our Take
Journey Capital, formerly OnDeck Canada, stands out as a robust online lender dedicated to Canadian small businesses. They offer a diverse range of financing options, from term loans to flexible merchant advances, emphasizing a people-first approach. Their long-standing presence and commitment to technology-driven, transparent lending make them a significant player in the market.
What We Like
- Proudly Canadian enterprise with a seasoned team
- Wide array of online lending services including Business Term Loans, Lines of Credit, and Flex Funds
- Established since 2009 with over 15,000 customers served and over $1B funded
- Emphasis on transparent, efficient, and data-driven lending practices
- Fast funding, as little as 24 hours
Where to Improve
- Specific interest rate ranges for all products could be more clearly displayed upfront
- More detailed information on the 'Flex Funds' product beyond its adaptive nature
- Expanding customer support hours beyond Monday-Friday 9AM-6PM EST could benefit businesses in different time zones
Verdict
Journey Capital is a highly reputable and experienced lender for Canadian small businesses. Their commitment to rapid funding, diverse product offerings, and strong customer focus makes them a top choice for entrepreneurs looking to grow and manage their operations effectively.
Brand Signals & Trust
Years in Business
17+
Geographic Reach
Canada-wide
Product Diversity
3 products
Customers Served
Over 15,000
Trust Badges
Quality Lender, Enduring Excellence
Products Offered
Business Term Loan
Amount Range
$5,000 - $500,000
Interest Rate
Starting at 16%
Term
6 - 24 Months
Funding Speed
As little as 24 hours
Eligibility
- At least 6 months in business
- Annual revenue of at least $100,000
- Credit score of at least 550
Flex Funds
Amount Range
$5,000 - $500,000
Interest Rate
Not applicable
Term
Flexible
Funding Speed
As little as 24 hours
Eligibility
- At least 6 months in business
- Annual revenue of at least $100,000
- Credit score of at least 550
Business Line of Credit
Amount Range
$6,000 - $300,000
Interest Rate
Starting at 19.99%
Term
6 - 24 Months
Funding Speed
As little as 24 hours
Eligibility
- At least 12 months in business
- Credit score of at least 600
- Annual revenue of $120,000 or more in last 12 months
Google Reviews
167 Google reviews
Monday: 9:00 AM – 6:00 PM
Tuesday: 9:00 AM – 6:00 PM
Wednesday: 9:00 AM – 6:00 PM
+4 more days
Michael Kandalaft have done an absolute job helping me. Even though I decided to pull out my application as I sorted out my finances needs before a final question from him is to be answered. I am so glad that there are stil people like him wanted to really help. At the beginning someone else was helping me then one day Michael called and he said he is the one who is working in lieu of the other staff. Michael have started asking what my needs are. What keep holding me not to go on with my loan application. I said the interest and the weekly payment are so high. So he suggested me things that I wouldn’t expect. And then he processed the loan application. I have signed the loan agreement and then at the last moment I called him and said the situation have changed I don’t need this loan anymore. He only had one question left at that time to finalize everything however when I told him, please cancel my application. He didn’t hesitate to do it and never told me any negative words. I appreciate your kindness and professionalism MICHAEL. Please keep the good actions you have done. May you have more blessings to come.
I had an exceptional experience working with Journey Capital. Theodore was incredibly professional, knowledgeable, and proactive throughout the entire process. His attention to detail and commitment to finding the best solutions made everything seamless. Highly recommend their services to anyone looking for top-tier financial expertise
Recently connected with Elijah from Journey Capital and was genuinely impressed. From the very beginning, he was warm, approachable, and incredibly knowledgeable. We manage a few different businesses and had several questions about funding, and Elijah took the time to really walk me through how Journey Capital operates. What stood out most was his ability to explain things clearly and without pressure. He wasn’t just trying to “sell” us on taking a loan, instead, he focused on making sure we understood our options and how the process could work for us if and when we decide to move forward. That kind of patience and transparency is rare in this industry. Although we didn’t end up taking financing at this time, we left the conversation with a great deal of trust and respect for both Elijah and the company he represents. His professionalism and genuine care for clients made the experience one of the best we’ve had when exploring business funding in Canada. If you’re looking for clear guidance and someone who actually listens to your needs, we highly recommend reaching out to Journey Capital and asking for Elijah.
“Great experience overall. Johnny at Journey was transparent, efficient, and supportive throughout the lending process. Johnny explained clearly and handled professionally. Would recommend, very impressed with his service .”
This use to be such a great company to work with, going back to when they use to be OnDeck, the sales reps would always figure out a funding solution and work with you. Ever since they became "Journey Capital" totally different. It's like they forgot they are a "C" lender. Theo is the absolute worst for returning calls and emails, even after he initiates the call! Like seriously, you aren't that busy bro. Requests are slower than a traditional bank, Driven and Merchant Growth are so much easier and efficient to work with these days. Sad how far they've fallen.
How Journey Capital Compares
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