The product distinction
The product choice matters: a term loan, revolving line and sales-linked advance are different structures.
Ask about the actual offer
Which product is actually offered, and what happens to the combined payment after another draw?
- Who is the legal provider and who makes the credit decision?
- What amount reaches the business after every deduction?
- What is the total obligation and actual collection schedule?
- Which guarantees, security and early-settlement provisions apply?
What to watch
Compare the written schedule, draw conditions, interest or cost basis, and any existing security. Product names alone do not show the cost.
Ask how existing bank security, personal guarantees and provincial requirements affect the proposed facility. If revenue and repayments use different currencies, show the cash effect of an exchange-rate change.
Compare beyond the headline
Use the written-offer checklist and calculators to test the proposal against the same cash need as other options. Advertised products can change; only the final written agreement establishes the terms offered to your business.
Sources and further reading
Official background and product information checked on October 26, 2026. Planning examples and decision questions are editorial analysis, not provider quotes. Confirm current terms before acting.
- Journey Capital official product information (opens a new tab)
Source of the published product description; no confidential lender criteria used.
Your next step
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