Small business borrowing guide: How to find the best loan for your company

has had different names and offerings over the years. Today, the Montreal-based company, owned by Purpose Financial LP, offers services in English and French. Its most popular product is a term loan, called Fixed Financing. A merchant cash advance, called Flex Financing, and invoice financing are also offered. Thinking Capital also partners with other companies, such as Moneris Solutions Corp. and National Bank of Canada, to offer products.

The company says the price to borrow varies depending on the customer, and is expressed as a fee ranging from 8 per cent to 22 per cent of the total borrowed amount annually. Borrowing $100,000 over one year, for example, would cost between $8,000 and $22,000.

globebusiness Don't borrow money.

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