Our Business Funding Solutions
Small Business Term Loan
A lump-sum loan built around how your business actually earns
Alberta business owners often need one thing traditional banks are slow to give: a straight answer. A small business term loan from Rocky Ridge Funding puts a fixed amount of capital in your account, repaid on a predictable schedule, so you can plan around it instead of guessing.
Unlike a bank underwriting process that can take weeks and hinges heavily on personal credit history, our approach looks at how your business generates revenue today. That means a stronger case for approval if you’re growing, seasonal, or simply don’t fit the profile a bank prefers, without sacrificing clear, fixed repayment terms.
Businesses typically use a term loan to open a second location, buy inventory ahead of a busy season, hire staff before revenue catches up, or cover a one-time expansion cost. Because the amount and schedule are locked in upfront, you know exactly what you owe and when, no revolving balance to manage.
Line Of Credit
Draw funds only when your business needs them
A line of credit works differently from a term loan: instead of receiving one lump sum, you’re approved for a credit limit and draw against it as needs arise, paying interest only on what you actually use. For Alberta businesses dealing with uneven cash flow, that flexibility often matters more than the size of the credit itself.
This structure suits businesses with recurring but unpredictable expenses, covering payroll during a slow month, restocking inventory between invoice payments, or handling an unexpected repair without derailing your budget. Once a draw is repaid, that credit becomes available again, giving you a reusable buffer rather than a one-time injection.
Because approval is tied to your business’s cash flow rather than rigid collateral requirements, Rocky Ridge Funding can often extend credit lines faster than a traditional bank, and structure them around the actual rhythm of your revenue, not a generic repayment template.
Revenue-Based Financing
Capital that scales with your sales, not against them
Revenue-based financing ties repayment to a percentage of your business’s incoming revenue rather than a fixed monthly payment. When sales are strong, you repay faster; when they dip, your payment adjusts down with them. For businesses with variable income retail, hospitality, seasonal trades that alignment can be the difference between manageable financing and a payment that strains a slow month.
This model is funded against your business’s actual sales performance, not personal assets or years in operation, which makes it accessible to newer or fast-growing Alberta businesses that haven’t built the credit history a bank typically requires. Funding decisions are based on recent revenue trends, so businesses with strong recent sales even without a long track record are well positioned to qualify.
Because there’s no fixed repayment date tied to the calendar, revenue-based financing removes the pressure of a due date that doesn’t match your sales cycle. It’s capital structured around how money actually moves through your business.
Equipment Financing
Fund the equipment your business needs without draining working capital
Buying equipment outright can tie up cash your business needs elsewhere, payroll, inventory, rent. Equipment financing lets you spread that cost over time, often using the equipment itself as collateral, which keeps the approval process simpler than an unsecured loan and preserves your working capital for day-to-day operations.
This is a practical fit for Alberta trades, construction, manufacturing, and transport businesses that rely on vehicles, machinery, or specialized tools to generate revenue. Because the equipment secures the financing, approval terms are often more favorable than general-purpose loans, and the repayment schedule can be aligned to the equipment’s expected useful life or revenue contribution.
Whether you’re replacing aging machinery, adding a second vehicle to keep up with demand, or investing in new technology to stay competitive, equipment financing lets that purchase pay for itself over time instead of hitting your cash reserves in one lump sum.
Merchant Cash Advance
Turn future card sales into capital you can use today
A merchant cash advance provides a lump sum of capital in exchange for a fixed percentage of your future debit and credit card sales, collected automatically until the advance is repaid. It’s not a loan in the traditional sense; there’s no fixed monthly payment or interest rate, which makes it a fast option for businesses with strong card-sales volume but limited time to wait on bank approval.
Because repayment is collected as a percentage of daily card sales, the amount you pay back naturally moves with your business, busier days contribute more, slower days contribute less. That structure appeals to restaurants, retail shops, salons, and other card-transaction-heavy Alberta businesses that need capital quickly without committing to a rigid repayment calendar.
Approval is based primarily on your card sales history rather than credit score or years in business, so a merchant cash advance is often accessible to businesses that wouldn’t qualify for conventional financing, with funding that can arrive in as little as a day or two after approval.
Consolidation Loans
Simplify multiple business debts into one manageable payment
Juggling several loans, advances, or credit lines at once doesn’t just complicate your bookkeeping, it can quietly erode your cash flow through overlapping payment dates and stacked interest. A consolidation loan combines existing business debts into a single facility with one payment, one schedule, and often a lower combined cost than managing each obligation separately.
This is particularly useful for Alberta businesses that have taken on multiple short-term financing products a merchant cash advance here, a term loan there and are now feeling the cumulative strain of several repayment schedules pulling from the same daily revenue. Consolidating restores predictability and frees up cash flow for actual operations rather than debt servicing.
Beyond simplifying payments, consolidation can also extend your repayment timeline, lowering the amount due each month and giving your business breathing room to stabilize before taking on new financing. It’s a reset button for businesses that are fundamentally healthy but currently over-extended on payment obligations.
