Canada & United States

Business funding, startup capital, and asset-backed financing — reviewed from every angle.

37D Capital helps business owners, select startups, and opportunity-driven operators explore practical capital pathways across Canada and the U.S. — including working capital, equipment financing, leasing, purchase order financing, factoring, asset-backed loans, IP-backed financing, fix-and-flip funding, investment opportunities, partnerships, and rollup strategies.

Select startup and pre-revenue funding options may be available for qualified applicants, including situations where personal credit strength is a key factor — even before business revenue is established.

Some funding paths depend on revenue and credit. Others start with invoices, orders, equipment, property or a project.

Funding Options

A focused review before unnecessary paperwork.

The goal is not to force every applicant into one product. The goal is to understand the request, identify the likely path, and move efficiently only when there may be a workable fit.

Funding directory

Explore your options

Search by product name, use of funds or fast-track code.

Showing all 70 options

P10001Business cash flow

Business Credit Line Program

Flexible revolving business credit for eligible owners.

Explore this option

Potential uses. Startup costs, inventory, marketing, payroll.

Review factors. Credit history, utilization and available credit.

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P10002Business cash flow

Revenue-Based Business Funding

Working capital for companies with regular business revenue.

Explore this option

Potential uses. Payroll, inventory, repairs, expansion.

Review factors. Monthly revenue, deposits and existing financing.

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P10003Business cash flow

Merchant Cash Advance

An advance for businesses with active revenue.

Explore this option

Potential uses. Working capital, supplier bills, urgent operating costs.

Review factors. Revenue history, deposits and current advances.

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P10006Invoices, orders & inventory

Purchase Order Funding

Fund supplier costs to fulfill a confirmed order.

Explore this option

Potential uses. Supplier deposits, importing, wholesale orders.

Review factors. Valid purchase order, buyer credit, margins and supplier capacity.

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P10009Real estate & construction

Fix & Flip Financing

Financing for acquiring and renovating investment property for resale.

Explore this option

Potential uses. Acquisition and rehab budgets.

Review factors. Purchase price, after-repair value, experience and exit plan.

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P10010Real estate & construction

Fix2Rent / BRRRR Financing

Financing for a buy, renovate, rent and refinance strategy.

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Potential uses. Property purchase, renovation, stabilization.

Review factors. Experience, rehab budget, projected value and rent.

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P10011Real estate & construction

Ground-Up Construction Financing

Financing for new residential construction.

Explore this option

Potential uses. Spec homes, infill and small developments.

Review factors. Lot readiness, entitlement, builder experience and budget.

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P10012Real estate & construction

Build2Rent Financing

Construction capital for properties intended as rentals.

Explore this option

Potential uses. Rental homes, portfolio expansion, construction-to-rental transition.

Review factors. Lot readiness, construction budget and expected rent.

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P10013Real estate & construction

Bridge Financing

Short-term capital for investment property.

Explore this option

Potential uses. Time-sensitive acquisitions, interim holding and transitions.

Review factors. Value, condition, liquidity and exit strategy.

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P10014Real estate & construction

DSCR Rental Loan Program

Explore long-term financing based in part on rental property cash flow.

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Potential uses. Acquisition, refinancing and portfolio growth.

Review factors. Rental income, debt service coverage, value and lease status.

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P10015Real estate & construction

Rental Portfolio Financing

Explore a financing structure for multiple rentals.

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Potential uses. Portfolio acquisition, refinance and debt consolidation.

Review factors. Property count, combined income, valuations and liquidity.

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P10016Real estate & construction

Short-Term Vacation Rental Financing

Acquire or refinance property intended for short-term rental.

Explore this option

Potential uses. Vacation rentals, setup and refinancing.

Review factors. Location, operating history, projected rent and liquidity.

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P10017Real estate & construction

Real Estate Investor Refinance Options

Review ways to replace property debt or access equity.

Explore this option

Potential uses. Rate-and-term, cash-out and bridge-to-permanent refinance.

Review factors. Loan balance, valuation, cash flow and requested proceeds.

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P10020Equipment & operations

Sale-Leaseback / Reverse Leasing

Raise capital from owned assets while continuing to use them under a lease.

Explore this option

Potential uses. Working capital, expansion, inventory.

Review factors. Ownership, condition, valuation and existing liens.

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P10021Acquisitions & practices

SBA and Government-Backed Business Loans

Explore government-backed financing where eligible.

Explore this option

Potential uses. Acquisitions, owner-occupied property, equipment and expansion.

Review factors. Program jurisdiction, cash flow, collateral and equity contribution.

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P10022Acquisitions & practices

Business Acquisition Financing

Capital for buying a business or ownership stake.

Explore this option

Potential uses. Competitor acquisitions, management buyouts and rollups.

Review factors. Buyer experience, target financials, valuation and purchase agreement.

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P10023Acquisitions & practices

Franchise Financing

Explore funding to buy, open or expand a franchise.

Explore this option

Potential uses. Franchise fees, location buildout, fixtures and stock.

Review factors. Brand, liquidity, projections and franchise documents.

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P10024Real estate & construction

Commercial Real Estate Financing

Funding for commercial, industrial or income-producing property.

Explore this option

Potential uses. Purchase, refinance, owner-occupied and investor property.

Review factors. Net operating income, lease terms, tenants and valuation.

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P10025Invoices, orders & inventory

Asset-Based Lending

Explore borrowing tied to eligible business assets.

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Potential uses. Working capital and collateral-based refinancing.

Review factors. Receivables, inventory turnover, equipment value and liens.

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P10026Invoices, orders & inventory

Inventory Financing

Capital to buy or carry eligible stock.

Explore this option

Potential uses. Seasonal purchases, imports and retail stock.

Review factors. Inventory type, turnover, margins and sales history.

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P10027E-commerce & vendor programs

E-Commerce Funding

Working capital for online sellers.

Explore this option

Potential uses. Stock, advertising, fulfillment and platform upgrades.

Review factors. Store sales, marketplace history and processor statements.

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P10028Acquisitions & practices

Medical Practice Financing

Capital for healthcare and wellness practices.

Explore this option

Potential uses. Acquisition, clinic buildout, equipment and systems.

Review factors. Licensing, practice revenue, collections and equipment value.

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P10029Acquisitions & practices

Professional Practice Financing

Capital for professional services firms.

Explore this option

Potential uses. Hiring, technology, acquisition and partner buyout.

Review factors. Revenue, work in progress, client concentration and licensing.

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P10030Startup, innovation & capital

Startup Funding Pathways

Explore capital options for early-stage and pre-revenue businesses.

Explore this option

Potential uses. Startup costs, equipment, confirmed orders and investor readiness.

Review factors. Founder profile, plan, current traction and use of funds.

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P10031Startup, innovation & capital

Grant and Incentive Support

Assess non-dilutive funding and incentive programs.

Explore this option

Potential uses. Program matching, R&D, exports, hiring and manufacturing.

Review factors. Jurisdiction, eligible expenses, deadlines and project scope.

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P10032Startup, innovation & capital

R&D and Innovation Financing

Explore funding for technology and product development.

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Potential uses. Prototypes, testing, commercialization and regulatory work.

Review factors. Technical plan, IP ownership, traction and program fit.

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P10033Startup, innovation & capital

IP-Backed / Patent-Backed Financing

Assess whether intellectual property could support a financing discussion.

Explore this option

Potential uses. Commercialization, licensing, launch and growth.

Review factors. IP ownership, legal status, valuation and commercial evidence.

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P10034Invoices, orders & inventory

Contract Financing

Fund delivery costs for signed work before invoices are paid.

Explore this option

Potential uses. Mobilization, materials, payroll and delivery.

Review factors. Signed contract, buyer credit, margin and performance obligations.

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P10035Equipment & operations

Construction Contractor Financing

Manage working capital between project milestones.

Explore this option

Potential uses. Materials, payroll, tools and mobilization.

Review factors. Contract pipeline, client profile and payment schedule.

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P10036E-commerce & vendor programs

Vendor Financing Programs

Help eligible B2B buyers finance purchases through a vendor program.

Explore this option

Potential uses. Equipment sales, software and service packages.

Review factors. Typical transaction size, buyer profile and sales process.

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P10039Business cash flow

Tax Obligation Support Funding

Explore funding to manage business tax obligations where available.

Explore this option

Potential uses. Payment deadlines, arrears and operating cash flow.

Review factors. Balance, tax correspondence and current payment arrangements.

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P10041Equipment & operations

Lease Takeovers for Business

Explore assigning or assuming eligible business leases.

Explore this option

Potential uses. Equipment transitions and lease assignments.

Review factors. Lease terms, lessor consent and asset condition.

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P10042Equipment & operations

Capex-to-Opex Leasing

Spread eligible equipment-use costs over a lease term.

Explore this option

Potential uses. Equipment and technology deployment.

Review factors. Asset cost, term, total payments and end-of-lease obligations.

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P10043Business cash flow

The Quick 200K

A proposed unsecured business-funding pathway. Terms are under review.

In development

Explore this option

Potential uses. Future business capital enquiries.

Review factors. Business profile, purpose and timing.

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P10044Acquisitions & practices

SBA Loan Bridge

A developing pathway for interim capital around a prospective SBA-funded transaction.

In development

Explore this option

Potential uses. Short-term transaction needs.

Review factors. SBA process stage, timeline and proposed exit.

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P10045Equipment & operations

Restaurant Financing

Explore funding for restaurant operations and expansion.

Explore this option

Potential uses. Buildout, equipment, opening costs and working capital.

Review factors. Sales history, project budget and seasonality.

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P10046Business cash flow

Credit Card Services

Explore commercial cards for business purchasing and expense control.

Explore this option

Potential uses. Purchasing, expense tracking and vendor payments.

Review factors. Spending profile, fees and account requirements.

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P10047Business cash flow

Credit Management & Calculations

Review credit policies, customer limits and cash-flow models.

Explore this option

Potential uses. Credit terms, collections planning and forecasting.

Review factors. Aging, payment history and customer concentration.

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P10048Insurance & risk

Trade Insurance

Explore partner-provided protection for defined trade credit and export risks.

Explore this option

Potential uses. Domestic or cross-border B2B sales.

Review factors. Buyer jurisdictions, insured risks, limits and exclusions.

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P10049Insurance & risk

Seller Insurance

Discuss receivables protection for eligible business-to-business sales.

Explore this option

Potential uses. Managing customer nonpayment exposure.

Review factors. Buyer mix, sales terms, coverage triggers and exclusions.

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P10050Insurance & risk

B2B Insurance

A partner-led business insurance channel with product scope still being developed.

In development

Explore this option

Potential uses. Discuss business coverage needs.

Review factors. Business activity, jurisdiction and potential partner scope.

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P10053Startup, innovation & capital

Grants for Businesses

Assess grant program fit and prepare an application.

Explore this option

Potential uses. Project scoping, eligibility review and application planning.

Review factors. Eligible activity, program timing and supporting records.

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P10054Insurance & risk

Risk Management

Identify business risks and plan how to manage them.

Explore this option

Potential uses. Risk review and mitigation planning.

Review factors. Operations, counterparties and current controls.

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P10055Invoices, orders & inventory

International Exporting & Trade Consulting

Plan an international trade opportunity with sourcing and financing support.

Explore this option

Potential uses. Cross-border sales, supply and trade capital planning.

Review factors. Markets, counterparties, delivery terms and financing needs.

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P10057Startup, innovation & capital

Technology Grants Writing & Consulting

Organize innovation work for relevant Canadian or U.S. support pathways.

Explore this option

Potential uses. Technology projects and grant preparation.

Review factors. Project scope, eligible costs and jurisdiction.

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P10122Startup, innovation & capital

Private Investing

Discuss selective private-capital and strategic investment opportunities.

Explore this option

Potential uses. Growth and strategic transactions.

Review factors. Opportunity, management and structure.

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P10125Startup, innovation & capital

IP-Backed Innovation Investment & Loans

Explore capital for protected innovations.

Open for enquiries

Explore this option

Potential uses. Commercialization, licensing and product development.

Review factors. IP ownership, commercial plan and funding structure.

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P10129Startup, innovation & capital

Venture Capital & Growth Investment

Discuss capital for a promising business’s next growth stage.

Explore this option

Potential uses. Scaling, commercialization and growth.

Review factors. Market, team, traction and planned use of proceeds.

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P10131Acquisitions & practices

Business Valuation & Exit Readiness

Understand value drivers ahead of an ownership or succession decision.

Explore this option

Potential uses. Exit planning and valuation readiness.

Review factors. Financial history, customer concentration and owner dependency.

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P10134Acquisitions & practices

Mergers & Acquisitions Advisory

Connect transaction preparation with the operating plan after closing.

Explore this option

Potential uses. Transaction planning and integration.

Review factors. Deal objectives, diligence and integration priorities.

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P10135Invoices, orders & inventory

Accounts Receivable Administration

Improve visibility into outstanding invoices and follow up consistently.

Explore this option

Potential uses. Invoice aging, customer follow-up and cash reporting.

Review factors. Current processes, records, payment terms and dispute handling.

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P10136Business cash flow

Commercial Bank Lines of Credit

Prepare a revolving bank credit discussion around the business’s cash cycle.

Explore this option

Potential uses. Working capital and seasonal cash needs.

Review factors. Financial statements, cash cycle and available security.

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P10137E-commerce & vendor programs

Merchant Payment & Terminal Processing

Explore ways to accept payments that fit the business’s transactions.

Explore this option

Potential uses. Terminals, payment acceptance and settlement planning.

Review factors. Sales channels, transaction volumes and settlement requirements.

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P10148Acquisitions & practices

Post-Merger Integration & Culture

Plan how teams and capabilities will work together after an acquisition.

Explore this option

Potential uses. Operating integration and change planning.

Review factors. Integration scope, responsibilities and milestones.

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P10151Insurance & risk

Life Insurance Policy Settlements

Explore selling an eligible existing life insurance policy through a private review.

Available by enquiry

Explore this option

Potential uses. Review a possible sale of an existing policy.

Review factors. Policy type, ownership, premiums and jurisdiction.

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P10152Business cash flow

Free Credit-Report Error Assistance

Explore no-cost assistance with suspected credit-report errors.

Available by enquiry

Explore this option

Potential uses. Identify a potential reporting error and discuss next steps.

Review factors. Type of error, reporting bureau and jurisdiction.

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Startup and pre-revenue focus

Some new businesses may have a funding path even before meaningful revenue exists. In these cases, personal credit strength, use of funds, applicant profile, and funder requirements can matter.

For new businesses

Startup and early-stage applicants can submit an intro form for review.

No public credit gate

Applicants are not asked to self-disqualify before a first conversation.

After-call credit review

When useful, a secure provider link may be sent after the initial call.

Pathway planning

If someone is not ready today, they may still be guided toward future readiness.

Explore Startup Funding Pathways · P10030 →

Secured & Specialized Capital

Assets, patents, and real estate can change the funding path.

Some opportunities require a more structured review than a standard business loan. 37D Capital may review eligible assets, intellectual property, real estate projects, and other secured opportunities to determine whether they can support a practical capital solution.

Asset-backed lending options

For applicants with eligible assets, asset-backed funding may be available based on the value, quality, liquidity, and verifiability of the asset. Eligible assets may support significant funding capacity — in some cases, up to 90% of verified asset value, subject to review, documentation, valuation, security registration, jurisdiction, and funder requirements.

View product details →

IP-backed financing

For businesses with registered intellectual property, including registered patents, financing may be considered where the intellectual property can be reviewed and potentially used as security. Availability depends on registration status, ownership, enforceability, commercial value, and funder requirements.

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Real estate fix-and-flip funding

37D Capital may review real estate fix-and-flip projects where the property, purchase price, renovation plan, borrower profile, timeline, exit strategy, and projected after-repair value support a practical funding path.

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Strategic Opportunity Review

Funding is one path. Partnership, investment, and rollups may be another.

37D Capital is built to review opportunities from multiple angles, including situations where capital, structure, partnerships, acquisitions, or consolidation strategies may create a larger outcome.

Investment and partnership interest

For businesses with strong potential, unique assets, defensible intellectual property, recurring revenue, valuable customer relationships, or a scalable plan, 37D Capital may be open to reviewing investment or partnership structures.

View product details →

Rollup and acquisition strategies

37D Capital is open to reviewing rollup strategies, acquisition opportunities, and fragmented-industry consolidation plans where multiple smaller businesses may be combined, improved, financed, or scaled under a larger operating strategy.

View product details →

Beyond traditional funding

In certain situations, a simple loan may not be the only path. Opportunities may involve funding, advisory support, partnership discussions, acquisition support, or deal-structure review depending on the situation.

View product details →

Process

Simple intake. Smarter routing.

The first step is intentionally simple. After that, each opportunity can be routed based on whether it is credit-driven, revenue-driven, asset-backed, IP-backed, real estate-backed, acquisition-based, or better suited for future readiness.

  1. 1

    Submit the intro form

    Share the basics about your business, funding need, timing, and current situation.

  2. 2

    We review the request

    Your information is reviewed to determine whether there may be a practical funding, investment, partnership, or acquisition path.

  3. 3

    Initial call

    If there appears to be a possible fit, the next step is a focused call to understand the opportunity.

  4. 4

    Next steps are routed efficiently

    When helpful, applicants may be directed to secure document, funder, valuation, credit-review, or deal-structure steps after the call.

No guarantee language

Submitting an intake does not guarantee approval, funding, investment, partnership, or engagement.

Document-light first step

The first form is intentionally short so the initial review can happen quickly.

Human review first

Early leads are reviewed manually before call center, AI, or CRM automation is added.

From enquiry to a possible offer

37D Capital reviews the opportunity. Funding providers make their own underwriting and approval decisions.

  1. 01

    Complete the intake form

    Share your business profile, requested amount, timing and use of funds.

  2. 02

    Initial review

    37D Capital reviews the business, transaction and any relevant assets or revenue.

  3. 03

    Credit review or prequalification

    If useful, the team may discuss a secure credit authorization or prequalification step.

  4. 04

    Product matching

    37D Capital identifies possible pathways based on the request and available information.

  5. 05

    Collect relevant documents

    Prepare the documents requested for the product and provider.

  6. 06

    Provider submission

    A complete file may be referred to the relevant funding provider or partner for review.

  7. 07

    Review any offer

    Review costs, fees, repayment, security and closing conditions in writing.

  8. 08

    Closing and funding

    If an offer is accepted, the provider handles verification and closing conditions.

Documents

Prepare your file

Start with the amount, intended use, business profile and timing. Your reviewer can confirm which documents apply after the initial enquiry.

View the document checklist

Business and ownership

Business registration, ownership records, identification, bank statements, tax records, financial statements and debt schedules.

Invoices, orders and inventory

Receivables aging, sample invoices, proof of delivery, customer lists, purchase orders, supplier quotes and inventory records.

Property and construction

Purchase agreements, appraisal, rent roll, leases, mortgage statements, contractor information, plans, permits and construction budget.

Equipment and asset financing

Vendor quotes, equipment invoices, ownership records, titles, serial numbers, valuations, lien information and proof of insurance.

Acquisitions, innovation and investment

Letter of intent, target financials, franchise disclosures, patent records, project plan and investment materials.

Open the document preparation guide →

Start with an opportunity review.

Complete the intro form so your request can be reviewed for potential fit and next steps. No public contact information is displayed on this site.

If you have a product in mind, include its fast-track code.

Open Intro Form
Important funding disclosures

Funding, insurance coverage, investment and partnership opportunities depend on the applicant, jurisdiction, transaction and provider. Submitting an enquiry does not guarantee approval, coverage, an offer or funding. Review any written terms and conditions before proceeding.