Small Business Loans —
Accelerate Growth with Trusted Business Loans
Helping Canadian Startups Grow with Honest Lending
At Payday Express, we understand what it takes to build and sustain a small business in today's fast-paced market. Whether you're starting up, scaling operations, or navigating a cash flow crunch, our Small Business Loan solutions provide fast, flexible funding backed by blockchain-powered transparency and fixed-fee pricing.
Why Choose a Payday Express Small Business Loan?
Traditional banks often say "no." We say "let's grow." We connect small business owners with real investors through a secure peer-to-peer platform—no banks, no hidden charges, no compound interest. Just capital with confidence.
Loan Amounts
From $2,000 to $100,000
Repayment Terms
Flexible options from 3 to 36 months
Fixed Fee Model
Transparent cost structure – no compound interest, ever
Fast Approval
Get funded in 72 hours or less
Secure Platform
Blockchain ensures secure and verifiable transactions
All Business Types Welcome
Startups, freelancers, and growing companies
How It Works
Our simple 5-step process makes getting a business loan quick and easy
Apply Online
Select your loan type, amount, and duration. Submit basic business and identity information.
Get Matched Instantly
Our AI-driven algorithm matches your request with real investors on our P2P platform.
Transparent Cost Breakdown
See the exact fees up front: Loan Amount + Company Fixed Fee + Investor Share (13%)
Receive Your Funds
Once approved, the funds are disbursed directly into your business account.
Repay with Confidence
Choose monthly installments or flexible custom payment plans.
Who Can Apply?
We proudly support:
What Can You Use It For?
Compare with Traditional Business Loans
See how our business-focused approach differs from traditional banking
| Criteria | Payday Express | Bank Loan |
|---|---|---|
| Approval Speed | 1–3 days | 7–30 days |
| Credit Score Requirement | Low/None | High |
| Interest Model | Fixed fee | Compound interest |
| Transparency | Full (via blockchain) | Often unclear |
| Support for Startups | ✅ Yes | ❌ Often denied |
| Repayment Flexibility | High | Medium to low |
Fixed Fees, Not Interest Rates
At Payday Express, we don't believe in compounding confusion. Instead of interest, we charge a fixed fee based on loan type and duration. You'll know the full repayment amount upfront.
Cost Components:
No hidden fees. No credit traps. Just honest financing.
Example Loan Breakdown
Let's say you apply for a $10,000 business loan for 12 months:
Try our built-in Loan Calculator to see your exact repayment before you apply.
Mobile-Friendly, Fully Digital Experience
Whether you're on your laptop or smartphone, applying for a business loan is seamless and secure with our responsive platform:
Intuitive loan wizard
Step-by-step guidance through the application
Secure document upload
Safe and encrypted file sharing
Real-time status updates
Track your application progress
Chat-based customer support
Get help when you need it
Real Stories, Real Impact
"Payday Express helped me expand my retail store without dealing with banks or interest. Transparent and fast!"
— Amira S., Small Retail Owner, Toronto
Get Started Today
Apply Today. Grow Tomorrow.
Getting business funding shouldn't be complicated or discouraging. With Payday Express, you get fair, fast, and flexible financing, backed by technology that works for you—not against you.
👉 Apply Now or Calculate Loan to see your custom plan