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When I decided to renovate my restaurant iCapital came through for me. The team was very helpful and made the process really easy. It was completely different from my experience dealing with the banks in the past. 

Rocco Silvaggio



Simple process and Friendly staff   From the start of the process it was nothing but help and assistance along the way.  I would highly recommend this to any business that doesn't want to go through the hassle of banks and yet can still operate in an entrepreneurial fashion.

Scott Hickling



Incredible service! We applied for a loan through iCapital for our restaurant and with in a day we were accepted with money in hand.  It was an easy, straightforward  process and the staff really care about me and my business.

Patricia Dunn



Getting a personal loan is easy and stress-free with iCapital


of applications approved

COPYRIGHT © 2020 iCapital Financial Services.  iCapital is committed to respecting the privacy of individuals. We promise to protect any personal information you provide to us.  Privacy Policy

Since 2007, iCapital has been providing Canadians with the money they need and the excellent customer service they want. 

We know that obtaining a loan can be challenging and frustrating, so we work hard to remove all of the hurdles and red tape. You don’t need perfect credit for an iCapital loan—just the ability to repay the loan. 

Start your application now and you can get the money you need within 24 hours!

1. Request a Quote
Once you request a quote, we'll send you an application & request the last 3 months of banks statements for our underwriters to verify recent sales. It takes about 10 minutes to complete.


Our customer care team is available to answer all of your questions and get you the funding that you need.

Phone us at 1.877.251.7171  

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Accessible Money for Canadians 

And Small Businesses Since 2007


3. Automated repayment
An agreed-upon payment is remitted from your bank account monthly until the loan is paid off. 

2. Approval in 24 hours
Within 24 hours we contact you with the funding details. You approve it and the money is deposited in your account.

Over 500 Industries Served


Up to $50,000 in less than 24 hours!

Apply now for a Personal Loan


Personal Loans for Homeowners

Apply for a Personal Loan

Accessible Money for Canadian 

Small Businesses Since 2007

Back your loan with collateral to enjoy a lower borrowing rate and better term length than with other types of loans such as second mortgages. 

  • Up to $100,000 in less than 24 hours
  • Flexible repayment—weekly, bi-weekly, monthly 
  • Term lengths of 1 to 5 years 
  • Great customer service 

Rates & Details

Unsecured loans with no legal fees or appraisals needed.

Secured loan rates start at 9.99% to 29.99% per annum APR. 

iCapital may charge an origination fee of 3% deducted from the loan.

How Much Can I Borrow?

Loan amounts range from $10,000 to $100,000, with rates between 9.99% and 46.96% depending on your loan size, length of term and our assessment of your credit profile. 

Amortization times can range between 9-60 months. 

iCapital offers personal loans in Canada only


Apply in 

3 Quick Steps

Apply in 3 Quick Steps

2 Great Options:

Unsecured Loans

Get the money you need quickly and with a flexible term length. What’s more, you don’t need a perfect credit score—just a minimum score of 600.

  • Up to $20,000 in less than 24 hours
  • Rates starting at 19.99%
  • Flexible repayment—weekly, bi-weekly, monthly 
  • Term lengths of 9 months to 5 years 

Examples Secured Personal Loans:

Example 1:

A $1000 secured loan borrowed at 19.99% for 12 months would have a monthly payment of $101.78. The total repayment amount including interest would be $1251.36.

The interest for 12 months is $221.36. There is a 3% origination fee deducted from the borrowed amount on the day of funding, in this case the origination fee would be $30.

Example 2: 

A $20,000 loan for 72 months at 19.99% will cost $734.36 principal and interest monthly. With a total interest cost of $32,874.25