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Owner
Get the money your business needs, fast.
Equipment, cash flow or your next big step. Get approved and funded in as little as 24 hours1, with an advisor in your corner the whole way.
See if you qualify in under a minute. No documents, no credit check.
Clear offers. Real support. Here's how it works.
One quick application, three ways to finance, and you choose the offer that fits.
Step 1: Check eligibility
Pre-qualify in minutes. There's no obligation to continue and no documents to start.
Step 2: Get approved
Know your amount, term and payment, in plain language, before you accept anything.
Step 3: Get real support
Work with a dedicated PHB advisor from application to funding, and whenever you need more.
Three ways to finance, one simple application, and a PHB advisor with you the whole way.
Equipment Financing
Machines, kitchens, clinical gear, technology and vehicles, new or used. Put it to work and keep your cash.
From $10K up to $500K2
Working Capital
Cover payroll, stock and suppliers while customers pay. Never let cash flow slow you down.
From $10K up to $500K2
Business Loan
Capital for the big step: a new location, a renovation or a new line of business.
From $10K up to $500K2
FAQ
Will applying impact my credit score?
No. Checking your eligibility doesn't involve a credit check. Lenders may check your credit when they review your full application, and we'll tell you before your file goes to a lender.
How do I qualify for financing?
To qualify for financing through PHB, your business must be incorporated in Canada or the United States and have a business bank account in the same country. You'll need to have been operating for at least six months, generate a minimum of $120,000 in annual sales, and have a credit score of 600 or higher.
How do I apply for financing?
Applying is quick and easy. Click the Apply Now button at the top of this page to start your application right away.
What's the difference between Equipment Financing, Working Capital and a Business Loan?
Each option is designed for different business needs. Equipment Financing pays for a specific asset, which usually secures the financing. Working Capital covers day-to-day cash flow. A Business Loan provides a lump sum with fixed payments over a set term, ideal for larger one-time expenses.
How do I choose the right product?
Based on your application, your PHB advisor will look at which products and lenders fit your business and explain your options clearly.
Does PHB lend the money?
No. PHB matches you with third-party lenders and manages the process. The lender you choose provides the financing and makes the credit decision.
Built for business owners just like you.
- On your sidePHB works for your business, matching you with the lenders that fit.
- Canada and the USFor businesses incorporated in Canada or the United States, with a business bank account in the same country.
- A real advisorOne person who knows your file, from application to funding.
Financing subject to lender approval.
PHB is not a lender. Financing is provided by third-party lenders, who make all credit decisions. Rates, terms and approval depend on your business and the lender.
1 Funding times depend on the lender, your business and how quickly documents are provided. Funds are released by the lender after approval and acceptance of an offer.
2 Amounts available depend on each lender's programs and your business. Larger amounts may require additional security as collateral and are subject to additional approvals.
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