← Bloom Capital

Funding products & transparency

Overview of common solutions we arrange. Final terms depend on underwriting and are shown in your offer. Approval is not guaranteed.

Merchant Cash Advance

Advance based on future card sales. Repayment flexes with daily revenue.

Rates & fees: Factor rates vary by risk and industry. Typical holdback is a percentage of daily sales until the balance is satisfied.
Timelines: Many files receive a decision within 24–48 hours after documents are complete.
Typical documents: Bank statements (3–6 months), void cheque, government ID, proof of business ownership.

Term Loans

Fixed amount with a set repayment schedule — suited for defined projects or equipment.

Rates & fees: Interest rate and term length depend on credit, revenue, and use of funds. Prepayment terms are disclosed in your offer.
Timelines: Underwriting commonly takes several business days once documents are received.
Typical documents: Financial statements, tax returns where applicable, bank statements, and business verification.

Lines of Credit

Revolving access — draw when needed and pay interest on outstanding balances.

Rates & fees: Rates may be variable. Unused portions typically do not accrue interest. Annual review may apply.
Timelines: Initial approval timelines vary; draws after approval are often same-day or next-day.
Typical documents: Recent bank activity, revenue proof, and standard KYC for owners.

General Business Funding

Working capital, expansion, inventory, and operational needs structured to your cash flow.

Rates & fees: Fees, rates, and structures are presented clearly in each offer. No approval is guaranteed.
Timelines: We communicate expected timelines at submission; complex files may take longer.
Typical documents: Application intake plus any follow-up items your advisor requests.

Questions? Start an application or sign in to your dashboard.