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.
Canada & United States
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.
Funding Options
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
Search by product name, use of funds or fast-track code.
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Flexible revolving business credit for eligible owners.
Potential uses. Startup costs, inventory, marketing, payroll.
Review factors. Credit history, utilization and available credit.
Working capital for companies with regular business revenue.
Potential uses. Payroll, inventory, repairs, expansion.
Review factors. Monthly revenue, deposits and existing financing.
An advance for businesses with active revenue.
Potential uses. Working capital, supplier bills, urgent operating costs.
Review factors. Revenue history, deposits and current advances.
Access cash against eligible invoices for work already delivered.
Potential uses. Payroll, supplier payments, shorter collection cycles.
Review factors. Receivables aging, invoice quality and customer credit.
Accelerate payment on eligible freight invoices.
Potential uses. Carrier payments, fuel, operating costs.
Review factors. Delivered loads, debtor credit and receivables aging.
Fund supplier costs to fulfill a confirmed order.
Potential uses. Supplier deposits, importing, wholesale orders.
Review factors. Valid purchase order, buyer credit, margins and supplier capacity.
Finance eligible resale stock.
Potential uses. Dealership stock, vehicles, equipment.
Review factors. Inventory value, resale market and dealer history.
Explore using available home equity for business purposes.
Potential uses. Expansion, equipment, working capital.
Review factors. Equity, lien position, occupancy and borrower profile.
Financing for acquiring and renovating investment property for resale.
Potential uses. Acquisition and rehab budgets.
Review factors. Purchase price, after-repair value, experience and exit plan.
Financing for a buy, renovate, rent and refinance strategy.
Potential uses. Property purchase, renovation, stabilization.
Review factors. Experience, rehab budget, projected value and rent.
Financing for new residential construction.
Potential uses. Spec homes, infill and small developments.
Review factors. Lot readiness, entitlement, builder experience and budget.
Construction capital for properties intended as rentals.
Potential uses. Rental homes, portfolio expansion, construction-to-rental transition.
Review factors. Lot readiness, construction budget and expected rent.
Short-term capital for investment property.
Potential uses. Time-sensitive acquisitions, interim holding and transitions.
Review factors. Value, condition, liquidity and exit strategy.
Explore long-term financing based in part on rental property cash flow.
Potential uses. Acquisition, refinancing and portfolio growth.
Review factors. Rental income, debt service coverage, value and lease status.
Explore a financing structure for multiple rentals.
Potential uses. Portfolio acquisition, refinance and debt consolidation.
Review factors. Property count, combined income, valuations and liquidity.
Acquire or refinance property intended for short-term rental.
Potential uses. Vacation rentals, setup and refinancing.
Review factors. Location, operating history, projected rent and liquidity.
Review ways to replace property debt or access equity.
Potential uses. Rate-and-term, cash-out and bridge-to-permanent refinance.
Review factors. Loan balance, valuation, cash flow and requested proceeds.
Capital for equipment purchases and business growth.
Potential uses. Machinery, technology, inventory and hiring.
Review factors. Operating history, asset value and financial records.
Access machinery or other business assets through a lease.
Potential uses. Vehicles, medical equipment, restaurant equipment.
Review factors. Asset cost, vendor, revenue and credit profile.
Raise capital from owned assets while continuing to use them under a lease.
Potential uses. Working capital, expansion, inventory.
Review factors. Ownership, condition, valuation and existing liens.
Explore government-backed financing where eligible.
Potential uses. Acquisitions, owner-occupied property, equipment and expansion.
Review factors. Program jurisdiction, cash flow, collateral and equity contribution.
Capital for buying a business or ownership stake.
Potential uses. Competitor acquisitions, management buyouts and rollups.
Review factors. Buyer experience, target financials, valuation and purchase agreement.
Explore funding to buy, open or expand a franchise.
Potential uses. Franchise fees, location buildout, fixtures and stock.
Review factors. Brand, liquidity, projections and franchise documents.
Funding for commercial, industrial or income-producing property.
Potential uses. Purchase, refinance, owner-occupied and investor property.
Review factors. Net operating income, lease terms, tenants and valuation.
Explore borrowing tied to eligible business assets.
Potential uses. Working capital and collateral-based refinancing.
Review factors. Receivables, inventory turnover, equipment value and liens.
Capital to buy or carry eligible stock.
Potential uses. Seasonal purchases, imports and retail stock.
Review factors. Inventory type, turnover, margins and sales history.
Working capital for online sellers.
Potential uses. Stock, advertising, fulfillment and platform upgrades.
Review factors. Store sales, marketplace history and processor statements.
Capital for healthcare and wellness practices.
Potential uses. Acquisition, clinic buildout, equipment and systems.
Review factors. Licensing, practice revenue, collections and equipment value.
Capital for professional services firms.
Potential uses. Hiring, technology, acquisition and partner buyout.
Review factors. Revenue, work in progress, client concentration and licensing.
Explore capital options for early-stage and pre-revenue businesses.
Potential uses. Startup costs, equipment, confirmed orders and investor readiness.
Review factors. Founder profile, plan, current traction and use of funds.
Assess non-dilutive funding and incentive programs.
Potential uses. Program matching, R&D, exports, hiring and manufacturing.
Review factors. Jurisdiction, eligible expenses, deadlines and project scope.
Explore funding for technology and product development.
Potential uses. Prototypes, testing, commercialization and regulatory work.
Review factors. Technical plan, IP ownership, traction and program fit.
Assess whether intellectual property could support a financing discussion.
Potential uses. Commercialization, licensing, launch and growth.
Review factors. IP ownership, legal status, valuation and commercial evidence.
Fund delivery costs for signed work before invoices are paid.
Potential uses. Mobilization, materials, payroll and delivery.
Review factors. Signed contract, buyer credit, margin and performance obligations.
Manage working capital between project milestones.
Potential uses. Materials, payroll, tools and mobilization.
Review factors. Contract pipeline, client profile and payment schedule.
Help eligible B2B buyers finance purchases through a vendor program.
Potential uses. Equipment sales, software and service packages.
Review factors. Typical transaction size, buyer profile and sales process.
Explore financing for business purchases from eligible vendors.
Potential uses. Installations, equipment packages and technology projects.
Review factors. Buyer profile, proposal amount, vendor and delivery terms.
Review borrowing or restructuring for existing business obligations.
Potential uses. Refinancing, consolidating payments and replacing short-term debt.
Review factors. Debt schedule, payoffs, revenue, credit and collateral.
Explore funding to manage business tax obligations where available.
Potential uses. Payment deadlines, arrears and operating cash flow.
Review factors. Balance, tax correspondence and current payment arrangements.
Explore private credit and investor introductions for select opportunities.
Potential uses. Acquisitions, larger real estate projects and special situations.
Review factors. Management, cash flow, collateral and risk profile.
Explore assigning or assuming eligible business leases.
Potential uses. Equipment transitions and lease assignments.
Review factors. Lease terms, lessor consent and asset condition.
Spread eligible equipment-use costs over a lease term.
Potential uses. Equipment and technology deployment.
Review factors. Asset cost, term, total payments and end-of-lease obligations.
A proposed unsecured business-funding pathway. Terms are under review.
In development
Potential uses. Future business capital enquiries.
Review factors. Business profile, purpose and timing.
A developing pathway for interim capital around a prospective SBA-funded transaction.
In development
Potential uses. Short-term transaction needs.
Review factors. SBA process stage, timeline and proposed exit.
Explore funding for restaurant operations and expansion.
Potential uses. Buildout, equipment, opening costs and working capital.
Review factors. Sales history, project budget and seasonality.
Explore commercial cards for business purchasing and expense control.
Potential uses. Purchasing, expense tracking and vendor payments.
Review factors. Spending profile, fees and account requirements.
Review credit policies, customer limits and cash-flow models.
Potential uses. Credit terms, collections planning and forecasting.
Review factors. Aging, payment history and customer concentration.
Explore partner-provided protection for defined trade credit and export risks.
Potential uses. Domestic or cross-border B2B sales.
Review factors. Buyer jurisdictions, insured risks, limits and exclusions.
Discuss receivables protection for eligible business-to-business sales.
Potential uses. Managing customer nonpayment exposure.
Review factors. Buyer mix, sales terms, coverage triggers and exclusions.
A partner-led business insurance channel with product scope still being developed.
In development
Potential uses. Discuss business coverage needs.
Review factors. Business activity, jurisdiction and potential partner scope.
Assess grant program fit and prepare an application.
Potential uses. Project scoping, eligibility review and application planning.
Review factors. Eligible activity, program timing and supporting records.
Identify business risks and plan how to manage them.
Potential uses. Risk review and mitigation planning.
Review factors. Operations, counterparties and current controls.
Plan an international trade opportunity with sourcing and financing support.
Potential uses. Cross-border sales, supply and trade capital planning.
Review factors. Markets, counterparties, delivery terms and financing needs.
Plan capital needs around a retail or hospitality business.
Potential uses. Expansion, inventory and location planning.
Review factors. Operating model, cash flow and project requirements.
Organize innovation work for relevant Canadian or U.S. support pathways.
Potential uses. Technology projects and grant preparation.
Review factors. Project scope, eligible costs and jurisdiction.
Discuss selective private-capital and strategic investment opportunities.
Potential uses. Growth and strategic transactions.
Review factors. Opportunity, management and structure.
Explore capital for protected innovations.
Open for enquiries
Potential uses. Commercialization, licensing and product development.
Review factors. IP ownership, commercial plan and funding structure.
Discuss capital for a promising business’s next growth stage.
Potential uses. Scaling, commercialization and growth.
Review factors. Market, team, traction and planned use of proceeds.
Prepare for an equity raise and evaluate ownership implications.
Potential uses. Investment materials, financial planning and transaction preparation.
Review factors. Capital needs, ownership structure and transaction goals.
Understand value drivers ahead of an ownership or succession decision.
Potential uses. Exit planning and valuation readiness.
Review factors. Financial history, customer concentration and owner dependency.
Evaluate acquisition targets and prepare for closing and integration.
Potential uses. Acquisition strategy and diligence.
Review factors. Target profile, operating assumptions and integration plan.
Prepare for a confidential sale or succession conversation.
Potential uses. Ownership transition and sale readiness.
Review factors. Owner goals, business records and timeline.
Connect transaction preparation with the operating plan after closing.
Potential uses. Transaction planning and integration.
Review factors. Deal objectives, diligence and integration priorities.
Improve visibility into outstanding invoices and follow up consistently.
Potential uses. Invoice aging, customer follow-up and cash reporting.
Review factors. Current processes, records, payment terms and dispute handling.
Prepare a revolving bank credit discussion around the business’s cash cycle.
Potential uses. Working capital and seasonal cash needs.
Review factors. Financial statements, cash cycle and available security.
Explore ways to accept payments that fit the business’s transactions.
Potential uses. Terminals, payment acceptance and settlement planning.
Review factors. Sales channels, transaction volumes and settlement requirements.
Explore whether a valuable asset could support a financing discussion.
Potential uses. Liquidity against eligible assets.
Review factors. Ownership, valuation, location and existing liens.
Plan how teams and capabilities will work together after an acquisition.
Potential uses. Operating integration and change planning.
Review factors. Integration scope, responsibilities and milestones.
Explore selling an eligible existing life insurance policy through a private review.
Available by enquiry
Potential uses. Review a possible sale of an existing policy.
Review factors. Policy type, ownership, premiums and jurisdiction.
Explore no-cost assistance with suspected credit-report errors.
Available by enquiry
Potential uses. Identify a potential reporting error and discuss next steps.
Review factors. Type of error, reporting bureau and jurisdiction.
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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.
Startup and early-stage applicants can submit an intro form for review.
Applicants are not asked to self-disqualify before a first conversation.
When useful, a secure provider link may be sent after the initial call.
If someone is not ready today, they may still be guided toward future readiness.
Secured & Specialized Capital
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.
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 →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.
View product details →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.
View product details →Strategic Opportunity Review
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.
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 →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 →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
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.
Share the basics about your business, funding need, timing, and current situation.
Your information is reviewed to determine whether there may be a practical funding, investment, partnership, or acquisition path.
If there appears to be a possible fit, the next step is a focused call to understand the opportunity.
When helpful, applicants may be directed to secure document, funder, valuation, credit-review, or deal-structure steps after the call.
Submitting an intake does not guarantee approval, funding, investment, partnership, or engagement.
The first form is intentionally short so the initial review can happen quickly.
Early leads are reviewed manually before call center, AI, or CRM automation is added.
37D Capital reviews the opportunity. Funding providers make their own underwriting and approval decisions.
Share your business profile, requested amount, timing and use of funds.
37D Capital reviews the business, transaction and any relevant assets or revenue.
If useful, the team may discuss a secure credit authorization or prequalification step.
37D Capital identifies possible pathways based on the request and available information.
Prepare the documents requested for the product and provider.
A complete file may be referred to the relevant funding provider or partner for review.
Review costs, fees, repayment, security and closing conditions in writing.
If an offer is accepted, the provider handles verification and closing conditions.
Documents
Start with the amount, intended use, business profile and timing. Your reviewer can confirm which documents apply after the initial enquiry.
Business registration, ownership records, identification, bank statements, tax records, financial statements and debt schedules.
Receivables aging, sample invoices, proof of delivery, customer lists, purchase orders, supplier quotes and inventory records.
Purchase agreements, appraisal, rent roll, leases, mortgage statements, contractor information, plans, permits and construction budget.
Vendor quotes, equipment invoices, ownership records, titles, serial numbers, valuations, lien information and proof of insurance.
Letter of intent, target financials, franchise disclosures, patent records, project plan and investment materials.
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.
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.