Thinking Capital Financial Corporation

Thinking Capital is the leading lender in Canada, providing funds to small and medium-sized businesses. Thinking Capital has operating offices in Toronto and Montreal.


Location: 130 Adelaide St W #1700

Phone: (866) 889-9412



Thinking Capital has been able to form meaningful and long-lasting partnerships with institutions such as TD, National Bank, CIBC, and Money Mart to provide clients with stellar customer service as well as the funding they need to run their businesses.

Thinking Capital was recently acquired by Purpose Financial, allowing them to assist even more clients.


Most loans through financial institutions are onerous and require lots of documentation. In contrast, all Thinking Capital needs to make a decision is a signed contract, government-issued identification, and a void cheque from the client’s bank account.

Thinking Capital is able to provide financing to business based on only 3 criteria. The applicant’s business must be Canadian-based, it must have monthly combined credit and debit sales of at least $7000, and in operation for at least 6 months. If all of these expectations are met, the business is qualified to receive a loan through Thinking Capital.