Never let cash flow slow you down.
Payroll on Friday, a supplier who wants paying now, a customer who pays in sixty days. Working capital keeps the business running while the money catches up.
Say yes to more.
Bridge the gap
Pay staff and suppliers on time while customers pay on terms.
Stock up
Buy inventory ahead of the busy season or grab the supplier discount.
Take the bigger job
Fund the materials and crew a contract needs before it pays.
Three steps to funded.
- 1
Tell us the need
How much, how soon, and what it will cover.
- 2
Get approved
Lenders who fund working capital for businesses like yours review your file. Recent bank statements matter most.
- 3
Get funded
A lump sum or funds you draw as you need them, in your account and ready to use.
Is it a fit?
It's built for businesses that:
- Have steady revenue but uneven paymentsCustomers on terms, seasonal sales or project billing.
- Need funds in weeks, not monthsFor an opportunity or a gap that won't wait.
- Want to grow without giving up equityKeep ownership while you fund the next step.
- Are ready to growSix months or more in business, incorporated in Canada or the US.
FAQ
Is it a loan or a line of credit?
Either, depending on the lender. A lump sum is repaid over a set term; a line of credit lets you draw and repay as you need.
What do lenders look at most?
Cash flow. Recent business bank statements show how money moves through your business.
What can I use it for?
Running and growing the business: payroll, inventory, suppliers, marketing and operating costs.
How quickly can I get funds?
Timing depends on the lender and how quickly documents come in. PHB keeps the process on track and keeps you updated.
Your growth, funded.
Check your eligibility in under a minute, then let PHB bring the lenders to you.
