Huumans

Business line of credit · $1,000 to $100,000

See what your business can borrow, in about 60 seconds.

Answer five quick questions about your business to see whether you may qualify for a Line of Credit.

  • Funded in as fast as 24 to 48 hours
  • No personal guarantee
  • We do not pull your credit score
  • Terms of 3, 6, 9 or 12 months. Pay only on what you draw

Checking eligibility does not affect your credit and does not commit you to anything. Decisions are based on your sales and cash flow, not a credit score.

Start the 60-second check

Check your eligibility

Step 1 of 5
How long has your business been registered?

Sole proprietors, corporations and partnerships all qualify.

What is your average monthly revenue?

A rough figure is fine. We confirm it from your bank data later.

How long have you had a business bank account?

We look at the account's history instead of your credit score.

In a typical month, does more money come in than go out?

Think about sales coming in against what you spend.

Where should we send your result?

Your estimate shows here right away. We also email it so you have it.

By continuing you agree to Huumans' privacy policy and terms. We never sell your information.

Your best fit

Congratulations, you’re pre-approved.

Please proceed to finish your account setup in HuumansOS to complete your application. It takes about two minutes.

Apply for a Line of Credit in HuumansOS

We have also sent this to you. Checking eligibility has not affected your credit.

Not quite yet

We can't offer a line today, and here is why

Huumans lends against a business bank account with some history.

Bank connections are read-only and encrypted. We never see your login.

Questions first? Read what owners ask before you start.

Get Small Business Financing At Huumans, With Huumans In Your Corner.

Adam Schaffer

"...totaling only 30 minutes of time input, I had cash deposited into my account at the same rates the big banks offer."

Adam Schaffer (Vipeq)CEO, Calgary, AB
Nick Svaikauskas

"The process was very smooth. I was surprised to see the funds were available the next day."

Nick Svaikauskas (Calgary Custom Concepts)CEO, Calgary, AB

Three steps from this page to money in your account

  1. Check eligibility. Four questions, about 60 seconds. Your estimated range shows on this page.
  2. Connect your bank. Create a HuumansOS account and connect your business account, or upload six months of statements. Read-only, and we never see your login.
  3. Draw what you need. Approved funds arrive in as fast as 24 to 48 hours. Draw any amount up to your limit, see what is left, and pay early whenever you like.
The line of credit screen in HuumansOS: estimated available to you, a Draw funds button, funds in 1 to 2 business days, remaining balance, Pay Early, and the schedule of upcoming payments.
Your line inside HuumansOS: draw, track and repay from one screen.

Repayment, on your terms.

Your rate and every fee are shown before you accept anything. You pay only on what you draw, with fixed repayments debited automatically so there are no surprises.

Rate

[rate range or factor rate]

Set per business from your bank data. Quoted before you accept anything.

Fees

[origination / draw / late fees]

All fees listed here before you sign. No fee to check eligibility or to apply.

Example

[$20,000 over 12 months]

[Repayment per period, total cost of credit, total repayable]

Before you apply

Who qualifies?
A registered Canadian business (sole proprietorship, corporation or partnership) with 1 to 20 employees, a business bank account with at least 6 months of history, and average monthly revenue of $6,000 or more. We decide on how the business runs, not on a credit score.
Does checking eligibility affect my credit?
No. We do not pull a personal or business credit score at any stage. The estimate on this page comes from your answers; the decision comes from your business bank data.
How much can I borrow?
Lines run from $1,000 to $100,000. Your limit depends on your monthly revenue and cash flow. The estimate here is a range; the exact limit is set when we review your bank account.
How fast is the money?
Once your account is connected and you accept an offer, approved funds arrive in as fast as 24 to 48 hours. Most delays come from missing bank statements, so connecting the account directly is quickest.
What does it cost?
Your rate is set from your business bank data and shown, with every fee, before you accept anything. There is no fee to check eligibility or to apply. See the cost section above for the representative example.
Do I need to be in business for years?
No. We look for a business bank account with some history and steady sales. Very new businesses can set up a free HuumansOS account and come back once the account has a few months behind it.
Is my banking information safe?
The bank connection is read-only and encrypted. Huumans never sees your online banking login, cannot move money, and uses the data only to assess and service your line.

Four questions. Sixty seconds. No credit pull.

See your estimated range on this page, then decide whether to go further. Nothing is committed until you accept an offer.

Check my eligibilityRead the FAQ