{"id":808104,"date":"2019-10-01T12:46:38","date_gmt":"2019-10-01T16:46:38","guid":{"rendered":"https:\/\/www.finder.com\/ca\/?page_id=808104"},"modified":"2025-04-25T14:19:47","modified_gmt":"2025-04-25T18:19:47","slug":"icapital-business-loan-review","status":"publish","type":"post","link":"https:\/\/www.finder.com\/ca\/business-loans\/icapital-business-loan-review","title":{"rendered":"iCapital review: Pros, cons &#038; alternatives"},"content":{"rendered":"<h3>Is iCapital legitimate?<\/h3><p>Yes, iCapital is a legitimate lender in Canada that has been operating since 2009. It has a business registration under its official name \u201ciCapital Financial Services.\u201d Although iCapital is not BBB accredited, its BBB file has been open since 2011. It has verified Trustpilot and Google profiles with some positive customer reviews, and it displays its contact details on its website, including its Toronto address, email and phone number.<\/p><h3>What we like about iCapital<\/h3><ul class=\"list-1\"><li><strong>Fast process.<\/strong> Apply online in less than 5 minutes, get approval in 24 hours and receive your money in 48 hours.<\/li><li><strong>Various loan types. <\/strong>Depending on your needs, you can get a quarterly term loan, one-time term loan, secured business loan or <a href=\"https:\/\/www.finder.com\/ca\/business-loans\/business-line-of-credit\">business line of credit<\/a>.<\/li><li><strong>High loan amounts.<\/strong> Apply for up to $250,000 (or more if you have collateral).<\/li><li><strong>High approval rate.<\/strong> iCapital says that 98% of applications get approved.<\/li><li><strong>Serves many industries. <\/strong>iCapital provides business financing to companies in various industries, such as hospitality, retail, fitness, medicine and automotive.<\/li><li><strong>Lenient eligibility requirements.<\/strong> As an alternative lender, iCapital places less importance on credit score than the big banks. Businesses that may not qualify for a bank loan can get an iCapital business loan. <a href=\"https:\/\/www.finder.com\/ca\/business-loans\/bad-credit-business-loans\">Learn more about bad credit business loans.<\/a><\/li><li><strong>Hassle-free repayments. <\/strong>iCapital has an automated payment system that allows for easy, secure loan repayments.<\/li><\/ul><h3>Drawbacks<\/h3><ul class=\"list-12\"><li><b>Startups can\u2019t apply.<\/b> Your business must be operating for at least 6 months.<\/li><li><strong>Higher rates than banks.<\/strong> iCapital\u2019s rates for secured business loans start at 9.99%. You could get better rates from banks.<\/li><\/ul><h3>Alternatives to iCapital<\/h3>    <style>\n.popover.fade.bottom.in { overflow: visible !important;}\n.table-popover { overflow: visible !important; }\n.luna-card.luna-card--border.luna-card--stretch.comparisonPick-item.flex-item-1 { border-radius: 0; overflow: visible !important; margin: 0 !important;}\n#product-comparison-box { overflow: visible; }\n.aligncenter { max-height: fit-content !important; max-width: fit-content !important;}\n@media (max-width: 960px) {\n    .outer-container {\n        display: flex;\n        justify-content: center;\n    }\n}\n\n.i-1 {\n  z-index: 1;\n  background-color: #F5F4EF;\n  \/* margin-left: 0.5em !important; *\/\n  box-shadow: 4px 6px 0 0 #232320;\n  border: 2px solid #232320;\n \n}\n\n\/* @media (min-width: 768px) {\n  .i-1 { transform: scale(1.026); }\n} *\/\n\n\n.i-2 {\n  border-right: 0;\n  border-top-right-radius: 0;\n  border-bottom-right-radius: 0;\n}\n\n.i-3 {\n  border-left: 0;\n  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decoding=\"async\" class=\"aligncenter\" src=\"https:\/\/www.finder.com\/niche-builder\/660ad4984d01d.png\" style=\"height: 90px !important; width: auto; margin-top:0 !important; margin-bottom:0 !important\" alt=\"Logo\" srcset=\"https:\/\/www.finder.com\/niche-builder\/660ad4984d01d.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/660ad4984d01d.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/660ad4984d01d.png?fit=600 600w, https:\/\/www.finder.com\/niche-builder\/660ad4984d01d.png?fit=900 900w, https:\/\/www.finder.com\/niche-builder\/660ad4984d01d.png?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\">\n                    \n                   \n                    \n                    <div class=\"u-grid__col u-1\/1@s u-1\/1\" style=\"z-index: 100; padding-bottom: 0\">\n                        <span class=\"aligncenter\" style=\"font-weight: 1000; color:#000; font-size: 1.6em;\"><style>\n\ntable div[class*=\"methodology-partial\"] {\n 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style=\"z-index: 1;position: relative; margin-bottom: 1rem\">\n  \n                  <p class=\"scoreCombined score__container finder-score\">\n      <span class=\"score__badge score__badge--great\">\n        <span class=\"score__value\">8.6<\/span>\n      <\/span>\n      <span class=\"score__text-wrapper score__text score__text--great\">\n        Great\n      <\/span>\n    <\/p>\n  <\/div><\/span>\n                    <\/div>\n\n                    <p style=\"margin: 0;\"><\/p><center>\n                    <style>\r\n.table--success { width: max-content !important; }\r\n<\/style>\r\n\r\n\r\n<div aria-hidden=\"false\" class=\"rewards--element-container rewards--container sticky-cta \" data-product-id=\"d4f15fa7-db41-4077-a6a1-72672a9fa2a1\" data-product-name=\"Journey Capital Business Loan\" data-niche=\"Business Loans\" data-provider-name=\"Journey Capital\" data-rewards-campaign-name=\"\">\r\n\r\n\r\n\r\n\r\n\r\n\r\n    \r\n\t\t\t<a class=\"  luna-button luna-button--success  luna-button--large \" style=\"text-wrap: wrap;\" title=\"Go to Journey Capital\" rel=\"sponsored\" target=\"_blank\" href=\"https:\/\/www.finder.com\/redirect\/ca\/business-loans\/journey-capital-business-loan-ca-secure.html?nb=1&amp;src_country=ca&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22nb-product%22%2C%22product_id%22%3A%22d4f15fa7-db41-4077-a6a1-72672a9fa2a1%22%2C%22product_name%22%3A%22Journey%2BCapital%2BBusiness%2BLoan%22%2C%22offer_id%22%3A%2225005%22%2C%22decorator%22%3A%22GLOBAL.PRODUCT.USFIN_REDIRECT_BUTTON%22%2C%22niche_code%22%3A%22CAFBL%22%2C%22post_id%22%3A%22808104%22%2C%22post_path%22%3A%22business-loans%252Ficapital-business-loan-review%22%2C%22post_country%22%3A%22ca%22%2C%22partial%22%3A%7B%22id%22%3A1725634%2C%22name%22%3A%22usfin-review-comparison-cards%22%2C%22country%22%3A%22us%22%7D%7D\"> \r\n\t\t\t\t\r\n\t\t\t\t\tGo to site\r\n\t\t\t\t\r\n\t\t\t<\/a>\r\n\t\r\n\r\n  \r\n\r\n\r\n\r\n\r\n      \r\n \r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n  \r\n\r\n\r\n\r\n  \r\n \r\n\r\n\r\n\r\n \r\n\r\n  <\/div>\r\n<style>\r\n.hidden-temp {  overflow: visible; }\r\n.back-cover { display:none; width: 100vw; height: 100vh; background-color:rgba(0,0,0,.5); position: fixed !important; z-index: 10; top:0; left: 0; }  \r\n.card-t { position: fixed !important; z-index: 11; text-align: justify; display: flex; justify-content: center; width: 100%; top: 50%; left: 50%;  transform: translate(-50%, -50%); }\r\n.terms-c { color: #0271e1; z-index:3; } \r\n.terms-c:hover { color: #1591fe; cursor: pointer;}\r\n.terms-card-r { border-radius: 14px; }\r\n\r\n\r\n  \r\n@media (max-width:481px)  { \r\n\/* .card-t { position: fixed; width: 80%; text-align: justify;  top: 30vw; left: 5vh; }\r\n .card-t { position: fixed; z-index: 11; text-align: justify;  }*\/\r\n }\r\n<\/style>\r\n  \r\n\r\n  \r\n<script>\r\ndocument.addEventListener(\"DOMContentLoaded\", function() {\r\n    document.addEventListener(\"click\", function(event) {\r\n        const 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\r\n<\/center>\n                    \n                                                            \n                                            <hr style=\"margin: 0.75em;\">\n                        <p class=\"aligncenter\" style=\"font-weight:700;\">Loan Amount<\/p>\n                        <p class=\"aligncenter\" style=\"font-size:0.9em;\">\n                            \n                                                        \n                                                                                                                                $10,000 - $500,000\n                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        \n                                                    <\/p>\n                                            <hr style=\"margin: 0.75em;\">\n                        <p class=\"aligncenter\" style=\"font-weight:700;\">Loan Term<\/p>\n                        <p class=\"aligncenter\" style=\"font-size:0.9em;\">\n                            \n                                                        \n                                                                                                                                                                                                                                                                                                                        4 months - 24 months\n                                                                                                                                                                                                                                                                                                                                                                                                                \n                                                    <\/p>\n                                            <hr style=\"margin: 0.75em;\">\n                        <p class=\"aligncenter\" style=\"font-weight:700;\">APR<\/p>\n                        <p class=\"aligncenter\" style=\"font-size:0.9em;\">\n                            \n                                                        \n                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                8% - 29%\n                                                                                                                                                                                                                        \n                                                    <\/p>\n                                        \n                <\/div>\n            <\/article>\n                    \n            \n<article class=\"luna-card luna-card--shadow luna-card--stretch comparisonPick-item flex-item-1 i-2\">\n\n\n\n\n                \n                <div class=\"luna-card__block luna-card__topPick\">\n                                        <img decoding=\"async\" class=\"aligncenter\" src=\"https:\/\/www.finder.com\/niche-builder\/67ca07858ccb1.png\" style=\"height: 90px !important; width: auto; margin-top:0 !important; margin-bottom:0 !important\" alt=\"Logo\" srcset=\"https:\/\/www.finder.com\/niche-builder\/67ca07858ccb1.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/67ca07858ccb1.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/67ca07858ccb1.png?fit=600 600w, https:\/\/www.finder.com\/niche-builder\/67ca07858ccb1.png?fit=900 900w, https:\/\/www.finder.com\/niche-builder\/67ca07858ccb1.png?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\">\n                    \n                   \n                    \n                    <div class=\"u-grid__col u-1\/1@s u-1\/1\" style=\"z-index: 100; padding-bottom: 0\">\n                        <span class=\"aligncenter\" style=\"font-weight: 1000; color:#000; font-size: 1.6em;\"><style>\n\ntable div[class*=\"methodology-partial\"] {\n    display:none;\n}\n\n\n.scoreCombined {\n  text-decoration: none;\n}\n\n.scoreCombined.finder-score::before {\n  display: none;\n}\n\na.scoreCombined,\na.scoreCombined:hover {\n  text-decoration: none;\n  white-space: nowrap;\n}\n\n.score__container {\n  display: flex;\n  width: 100%;\n  flex-flow: column nowrap;\n  align-items: center;\n  justify-content: center;\n  font-size: 20px;\n  gap: 4px;\n}\n\n.score__badge {\n  border-radius: 2px 24px 24px 24px;\n  border: none;\n  display: flex;\n  justify-content: center;\n  align-items: center;\n  height: 2.5rem;\n  width: 2.5rem;\n  background-image: linear-gradient(\n    45deg,\n    transparent 25%,\n    rgba(255, 255, 255, 0.2) 50%,\n    transparent 75%,\n    transparent 100%\n  );\n  background-size:\n    250% 250%,\n    100% 100%;\n  background-position:\n    -100% 0,\n    0 0;\n  background-repeat: no-repeat;\n  position: relative;\n}\n\n.score__badge--excellent {\n  background-color: #1d53ff;\n}\n\n.score__badge--great {\n  background-color: #008024;\n}\n\n.score__badge--standard {\n  background-color: #ffd23b;\n\n  .score__value {\n    color: #232320;\n  }\n}\n\n.score__badge--basic {\n  background-color: #db2420;\n}\n\n.score__badge:hover {\n  animation: shine-effect 1.5s ease;\n}\n\n.score__value {\n  color: #fff;\n  font-weight: 800;\n  font-size: 20px;\n  line-height: 1.25;\n  letter-spacing: -0.025em;\n  font-variant-numeric: lining-nums tabular-nums;\n}\n\n.score__text-wrapper {\n  border: none;\n  display: flex;\n  align-items: center;\n  top: -4px;\n  width: auto;\n}\n\n.score__text-wrapper.score__text {\n  background: none;\n}\n\n.score__text {\n  font-weight: 800;\n  font-size: 16px;\n  line-height: 1.25;\n  color: #232320;\n  font-variant-numeric: lining-nums tabular-nums;\n}\n\n.finder-score__text {\n  text-align: left;\n  text-wrap-mode: nowrap;\n  margin-left: 10px;\n  text-decoration: underline;\n}\n<\/style>\n\n\n\n\n<div class=\"detail-info  c2cd7e0f-179a-4393-aa2b-3709c9259481\" style=\"z-index: 1;position: relative; margin-bottom: 1rem\">\n  \n                  <p class=\"scoreCombined score__container finder-score\">\n      <span class=\"score__badge score__badge--great\">\n        <span class=\"score__value\">8.1<\/span>\n      <\/span>\n      <span class=\"score__text-wrapper score__text score__text--great\">\n        Great\n      <\/span>\n    <\/p>\n  <\/div><\/span>\n                    <\/div>\n\n                    <p style=\"margin: 0;\"><\/p><center>\n                    <style>\r\n.table--success { width: max-content !important; }\r\n<\/style>\r\n\r\n\r\n<div aria-hidden=\"false\" class=\"rewards--element-container rewards--container sticky-cta \" data-product-id=\"c2cd7e0f-179a-4393-aa2b-3709c9259481\" data-product-name=\"Advance Funds Network Business Loan\" data-niche=\"Business Loans\" data-provider-name=\"Advance Funds Network\" data-rewards-campaign-name=\"\">\r\n\r\n\r\n\r\n\r\n\r\n\r\n    \r\n\t\t\t<a class=\"  luna-button luna-button--success  luna-button--large \" style=\"text-wrap: wrap;\" title=\"Go to Advance Funds Network\" rel=\"sponsored\" target=\"_blank\" href=\"https:\/\/www.finder.com\/redirect\/ca\/business-loans\/advance-funds-network-ca-secure-business-loans.html?nb=1&amp;src_country=ca&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22nb-product%22%2C%22product_id%22%3A%22%2Bc2cd7e0f-179a-4393-aa2b-3709c9259481%22%2C%22product_name%22%3A%22Advance%2BFunds%2BNetwork%2BBusiness%2BLoan%22%2C%22offer_id%22%3A%2225982%22%2C%22decorator%22%3A%22GLOBAL.PRODUCT.USFIN_REDIRECT_BUTTON%22%2C%22niche_code%22%3A%22CAFBL%22%2C%22post_id%22%3A%22808104%22%2C%22post_path%22%3A%22business-loans%252Ficapital-business-loan-review%22%2C%22post_country%22%3A%22ca%22%2C%22partial%22%3A%7B%22id%22%3A1725634%2C%22name%22%3A%22usfin-review-comparison-cards%22%2C%22country%22%3A%22us%22%7D%7D\"> \r\n\t\t\t\t\r\n\t\t\t\t\tGo to site\r\n\t\t\t\t\r\n\t\t\t<\/a>\r\n\t\r\n\r\n  \r\n\r\n\r\n\r\n\r\n      \r\n \r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n  \r\n\r\n\r\n\r\n  \r\n \r\n\r\n\r\n\r\n \r\n\r\n  <\/div>\r\n<style>\r\n.hidden-temp {  overflow: visible; }\r\n.back-cover { display:none; width: 100vw; height: 100vh; background-color:rgba(0,0,0,.5); position: fixed !important; z-index: 10; top:0; left: 0; }  \r\n.card-t { position: fixed !important; z-index: 11; text-align: justify; display: flex; justify-content: center; width: 100%; top: 50%; left: 50%;  transform: translate(-50%, -50%); }\r\n.terms-c { color: #0271e1; z-index:3; } \r\n.terms-c:hover { color: #1591fe; cursor: pointer;}\r\n.terms-card-r { border-radius: 14px; }\r\n\r\n\r\n  \r\n@media (max-width:481px)  { \r\n\/* .card-t { position: fixed; width: 80%; text-align: justify;  top: 30vw; left: 5vh; }\r\n .card-t { position: fixed; z-index: 11; text-align: justify;  }*\/\r\n }\r\n<\/style>\r\n  \r\n\r\n  \r\n<script>\r\ndocument.addEventListener(\"DOMContentLoaded\", function() {\r\n    document.addEventListener(\"click\", function(event) {\r\n        const sendDataButton = document.getElementById(\"sendDataButton\");\r\n\r\n        \/\/ Check if the click was on the sendDataButton\r\n        if (event.target && event.target.id === \"sendDataButton\") {\r\n            event.preventDefault(); \/\/ Prevent default link behavior\r\n\r\n            \/\/ Ensure the button exists\r\n            if (sendDataButton) {\r\n                \/\/ Use dataset to get the data attributes\r\n                const nicheData = sendDataButton.dataset.nicheData || ''; \/\/ Fallback to empty string\r\n                const productData = sendDataButton.dataset.productData || ''; \/\/ Fallback to empty string\r\n                const fiUri = sendDataButton.dataset.fiUri || ''; \/\/ Access fiUri in camelCase\r\n                const psUri = sendDataButton.dataset.psUri || ''; \/\/ Access psUri in camelCase\r\n                const psGn = sendDataButton.dataset.psGn || ''; \/\/ Access psGn in camelCase\r\n                const tc = sendDataButton.dataset.tc || ''; \/\/ Access data-tc attribute\r\n\r\n                \/\/ Extract the category from the current URL\r\n                const currentUrl = window.location.href;\r\n                const urlParts = currentUrl.split('\/');\r\n                const category = urlParts.length > 4 ? urlParts[3] : ''; \/\/ Get the category from the URL\r\n\r\n                \/\/ Construct the new URL with query parameters, encoding each value\r\n                const newUrl = `https:\/\/www.finder.com\/about-us\/product-lander-test?niche_data=${encodeURIComponent(nicheData)}&product_data=${encodeURIComponent(productData)}&fi_uri=${encodeURIComponent(fiUri)}&ps_uri=${encodeURIComponent(psUri)}&ps_gn=${encodeURIComponent(psGn)}&category=${encodeURIComponent(category)}&tc=${encodeURIComponent(tc)}`;\r\n                \r\n                \/\/ Perform the redirect with the updated URL\r\n                window.location.href = newUrl;\r\n            }\r\n        }\r\n    });\r\n});\r\n<\/script>\r\n\r\n  \r\n<\/center>\n                    \n                                                            \n                                            <hr style=\"margin: 0.75em;\">\n                        <p class=\"aligncenter\" style=\"font-weight:700;\">Loan Amount<\/p>\n                        <p class=\"aligncenter\" style=\"font-size:0.9em;\">\n                            \n                                                        \n                                                                                                                                $10,000 - $1,000,000\n                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        \n                                                    <\/p>\n                                            <hr style=\"margin: 0.75em;\">\n                        <p class=\"aligncenter\" style=\"font-weight:700;\">Loan Term<\/p>\n                        <p class=\"aligncenter\" style=\"font-size:0.9em;\">\n                            \n                                                        \n                                                                                                                                                                                                                                                                                                                        3 months - 24 months\n                                                                                                                                                                                                                                                                                                                                                                                                                \n                                                    <\/p>\n                                            <hr style=\"margin: 0.75em;\">\n                        <p class=\"aligncenter\" style=\"font-weight:700;\">APR<\/p>\n                        <p class=\"aligncenter\" style=\"font-size:0.9em;\">\n                            \n                                                        \n                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                Starting at 8.00%\n                                                                                                                                                                                                                        \n                                                    <\/p>\n                                        \n                <\/div>\n            <\/article>\n                    \n            \n<article class=\"luna-card luna-card--shadow luna-card--stretch comparisonPick-item flex-item-1 i-3\">\n\n\n\n\n                \n                <div class=\"luna-card__block luna-card__topPick\">\n                                        <img decoding=\"async\" class=\"aligncenter\" src=\"https:\/\/www.finder.com\/niche-builder\/6034207ad4ccb.png\" style=\"height: 90px !important; width: auto; margin-top:0 !important; margin-bottom:0 !important\" alt=\"Logo\" srcset=\"https:\/\/www.finder.com\/niche-builder\/6034207ad4ccb.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/6034207ad4ccb.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/6034207ad4ccb.png?fit=600 600w, https:\/\/www.finder.com\/niche-builder\/6034207ad4ccb.png?fit=900 900w, https:\/\/www.finder.com\/niche-builder\/6034207ad4ccb.png?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\">\n                    \n                   \n                    \n                    <div class=\"u-grid__col u-1\/1@s u-1\/1\" style=\"z-index: 100; padding-bottom: 0\">\n                        <span class=\"aligncenter\" style=\"font-weight: 1000; color:#000; font-size: 1.6em;\"><style>\n\ntable div[class*=\"methodology-partial\"] {\n    display:none;\n}\n\n\n.scoreCombined {\n  text-decoration: none;\n}\n\n.scoreCombined.finder-score::before {\n  display: none;\n}\n\na.scoreCombined,\na.scoreCombined:hover {\n  text-decoration: none;\n  white-space: nowrap;\n}\n\n.score__container {\n  display: flex;\n  width: 100%;\n  flex-flow: column nowrap;\n  align-items: center;\n  justify-content: center;\n  font-size: 20px;\n  gap: 4px;\n}\n\n.score__badge {\n  border-radius: 2px 24px 24px 24px;\n  border: none;\n  display: flex;\n  justify-content: center;\n  align-items: center;\n  height: 2.5rem;\n  width: 2.5rem;\n  background-image: linear-gradient(\n    45deg,\n    transparent 25%,\n    rgba(255, 255, 255, 0.2) 50%,\n    transparent 75%,\n    transparent 100%\n  );\n  background-size:\n    250% 250%,\n    100% 100%;\n  background-position:\n    -100% 0,\n    0 0;\n  background-repeat: no-repeat;\n  position: relative;\n}\n\n.score__badge--excellent {\n  background-color: #1d53ff;\n}\n\n.score__badge--great {\n  background-color: #008024;\n}\n\n.score__badge--standard {\n  background-color: #ffd23b;\n\n  .score__value {\n    color: #232320;\n  }\n}\n\n.score__badge--basic {\n  background-color: #db2420;\n}\n\n.score__badge:hover {\n  animation: shine-effect 1.5s ease;\n}\n\n.score__value {\n  color: #fff;\n  font-weight: 800;\n  font-size: 20px;\n  line-height: 1.25;\n  letter-spacing: -0.025em;\n  font-variant-numeric: lining-nums tabular-nums;\n}\n\n.score__text-wrapper {\n  border: none;\n  display: flex;\n  align-items: center;\n  top: -4px;\n  width: auto;\n}\n\n.score__text-wrapper.score__text {\n  background: none;\n}\n\n.score__text {\n  font-weight: 800;\n  font-size: 16px;\n  line-height: 1.25;\n  color: #232320;\n  font-variant-numeric: lining-nums tabular-nums;\n}\n\n.finder-score__text {\n  text-align: left;\n  text-wrap-mode: nowrap;\n  margin-left: 10px;\n  text-decoration: underline;\n}\n<\/style>\n\n\n\n\n<div class=\"detail-info  a7674365-55b5-43a6-b4ad-be0f6200eb3c\" style=\"z-index: 1;position: relative; margin-bottom: 1rem\">\n  \n                  <p class=\"scoreCombined score__container finder-score\">\n      <span class=\"score__badge score__badge--great\">\n        <span class=\"score__value\">7.9<\/span>\n      <\/span>\n      <span class=\"score__text-wrapper score__text score__text--great\">\n        Great\n      <\/span>\n    <\/p>\n  <\/div><\/span>\n                    <\/div>\n\n                    <p style=\"margin: 0;\"><\/p><center>\n                    <style>\r\n.table--success { width: max-content !important; }\r\n<\/style>\r\n\r\n\r\n<div aria-hidden=\"false\" class=\"rewards--element-container rewards--container sticky-cta \" data-product-id=\"a7674365-55b5-43a6-b4ad-be0f6200eb3c\" data-product-name=\"Merchant Growth Business Loan\" data-niche=\"Business Loans\" data-provider-name=\"Merchant Growth\" data-rewards-campaign-name=\"\">\r\n\r\n\r\n\r\n\r\n\r\n\r\n    \r\n\t\t\t<a class=\"  luna-button luna-button--success  luna-button--large \" style=\"text-wrap: wrap;\" title=\"Go to Merchant Growth\" rel=\"sponsored\" target=\"_blank\" href=\"https:\/\/www.finder.com\/redirect\/ca\/business-loans\/merchant-growth-business-loan-ca-secure.html?nb=1&amp;src_country=ca&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22nb-product%22%2C%22product_id%22%3A%22%2Ba7674365-55b5-43a6-b4ad-be0f6200eb3c%22%2C%22product_name%22%3A%22Merchant%2BGrowth%2BBusiness%2BLoan%22%2C%22offer_id%22%3A%2218815%22%2C%22decorator%22%3A%22GLOBAL.PRODUCT.USFIN_REDIRECT_BUTTON%22%2C%22niche_code%22%3A%22CAFBL%22%2C%22post_id%22%3A%22808104%22%2C%22post_path%22%3A%22business-loans%252Ficapital-business-loan-review%22%2C%22post_country%22%3A%22ca%22%2C%22partial%22%3A%7B%22id%22%3A1725634%2C%22name%22%3A%22usfin-review-comparison-cards%22%2C%22country%22%3A%22us%22%7D%7D\"> \r\n\t\t\t\t\r\n\t\t\t\t\tGo to site\r\n\t\t\t\t\r\n\t\t\t<\/a>\r\n\t\r\n\r\n  \r\n\r\n\r\n\r\n\r\n      \r\n \r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n  \r\n\r\n\r\n\r\n  \r\n \r\n\r\n\r\n\r\n \r\n\r\n  <\/div>\r\n<style>\r\n.hidden-temp {  overflow: visible; }\r\n.back-cover { display:none; width: 100vw; height: 100vh; background-color:rgba(0,0,0,.5); position: fixed !important; z-index: 10; top:0; left: 0; }  \r\n.card-t { position: fixed !important; z-index: 11; text-align: justify; display: flex; justify-content: center; width: 100%; top: 50%; left: 50%;  transform: translate(-50%, -50%); }\r\n.terms-c { color: #0271e1; z-index:3; } \r\n.terms-c:hover { color: #1591fe; cursor: pointer;}\r\n.terms-card-r { border-radius: 14px; }\r\n\r\n\r\n  \r\n@media (max-width:481px)  { \r\n\/* .card-t { position: fixed; width: 80%; text-align: justify;  top: 30vw; left: 5vh; }\r\n .card-t { position: fixed; z-index: 11; text-align: justify;  }*\/\r\n }\r\n<\/style>\r\n  \r\n\r\n  \r\n<script>\r\ndocument.addEventListener(\"DOMContentLoaded\", function() {\r\n    document.addEventListener(\"click\", function(event) {\r\n        const sendDataButton = document.getElementById(\"sendDataButton\");\r\n\r\n        \/\/ Check if the click was on the sendDataButton\r\n        if (event.target && event.target.id === \"sendDataButton\") {\r\n            event.preventDefault(); \/\/ Prevent default link behavior\r\n\r\n            \/\/ Ensure the button exists\r\n            if (sendDataButton) {\r\n                \/\/ Use dataset to get the data attributes\r\n                const nicheData = sendDataButton.dataset.nicheData || ''; \/\/ Fallback to empty string\r\n                const productData = sendDataButton.dataset.productData || ''; \/\/ Fallback to empty string\r\n                const fiUri = sendDataButton.dataset.fiUri || ''; \/\/ Access fiUri in camelCase\r\n                const psUri = sendDataButton.dataset.psUri || ''; \/\/ Access psUri in camelCase\r\n                const psGn = sendDataButton.dataset.psGn || ''; \/\/ Access psGn in camelCase\r\n                const tc = sendDataButton.dataset.tc || ''; \/\/ Access data-tc attribute\r\n\r\n                \/\/ Extract the category from the current URL\r\n                const currentUrl = window.location.href;\r\n                const urlParts = currentUrl.split('\/');\r\n                const category = urlParts.length > 4 ? urlParts[3] : ''; \/\/ Get the category from the URL\r\n\r\n                \/\/ Construct the new URL with query parameters, encoding each value\r\n                const newUrl = `https:\/\/www.finder.com\/about-us\/product-lander-test?niche_data=${encodeURIComponent(nicheData)}&product_data=${encodeURIComponent(productData)}&fi_uri=${encodeURIComponent(fiUri)}&ps_uri=${encodeURIComponent(psUri)}&ps_gn=${encodeURIComponent(psGn)}&category=${encodeURIComponent(category)}&tc=${encodeURIComponent(tc)}`;\r\n                \r\n                \/\/ Perform the redirect with the updated URL\r\n                window.location.href = newUrl;\r\n            }\r\n        }\r\n    });\r\n});\r\n<\/script>\r\n\r\n  \r\n<\/center>\n                    \n                                                            \n                                            <hr style=\"margin: 0.75em;\">\n                        <p class=\"aligncenter\" style=\"font-weight:700;\">Loan Amount<\/p>\n                        <p class=\"aligncenter\" style=\"font-size:0.9em;\">\n                            \n                                                        \n                                                                                                                                $5,000 - $800,000\n                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        \n                                                    <\/p>\n                                            <hr style=\"margin: 0.75em;\">\n                        <p class=\"aligncenter\" style=\"font-weight:700;\">Loan Term<\/p>\n                        <p class=\"aligncenter\" style=\"font-size:0.9em;\">\n                            \n                                                        \n                                                                                                                                                                                                                                                                                                                        6 months - 24 months\n                                                                                                                                                                                                                                                                                                                                                                                                                \n                                                    <\/p>\n                                            <hr style=\"margin: 0.75em;\">\n                        <p class=\"aligncenter\" style=\"font-weight:700;\">APR<\/p>\n                        <p class=\"aligncenter\" style=\"font-size:0.9em;\">\n                            \n                                                        \n                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                12.99% \u2013 39.99%\n                                                                                                                                                                                                                        \n                                                    <\/p>\n                                        \n                <\/div>\n            <\/article>\n            <\/div>\n<\/div><h3>Business loans like iCapital<\/h3><p>iCapital is one of many lenders in Canada that serve businesses that may not qualify for bank loans. Here\u2019s a closer look at some of them.<\/p><ul><li><strong><a href=\"https:\/\/www.finder.com\/ca\/business-loans\/journey-capital-review\">Journey Capital<\/a>.<\/strong> Like iCapital, Journey Capital offers quick term loans and lines of credit online. You can apply within minutes and get funded in as little as 24 hours.<\/li><li><strong><a href=\"https:\/\/www.finder.com\/ca\/business-loans\/advance-funds-network-review\">Advance Funds Network<\/a>. <\/strong>Like iCapital, this lender offers an easy application process and flexible financing, even if you have not-so-great credit.<\/li><li><strong><a href=\"https:\/\/www.finder.com\/ca\/business-loans\/merchant-growth\">Merchant Growth.<\/a><\/strong> This lender has eligibility criteria similar to iCapital. You can apply for a term loan or a merchant cash advance.<\/li><li><strong><a href=\"https:\/\/www.finder.com\/ca\/business-loans\/driven-business-loans-review\">Driven<\/a>. <\/strong>Like iCapital, you can take up to 24 months to repay a Driven term loan. With this loan, you\u2019re pre-approved to borrow up to a limit, and you can withdraw as needed.<\/li><\/ul><h3>Summary of iCapital reviews<\/h3><p>iCapital has positive customer reviews. Satisfied iCapital customers tend to discuss fast loan approval and funding times. Customers are also very pleased with iCapital\u2019s prompt and helpful customer service. The few negative iCapital reviews we found discuss high interest rates or a business\u2019s ineligibility.<\/p><table class=\"luna-table luna-table--responsiveList\"><tbody class=\"luna-table__body\"><tr><td>Google customer reviews<\/td><td>4.4 out of 5 based on 14 iCapital reviews<\/td><\/tr><tr><td>Trustpilot score<\/td><td>2.1 out of 5 stars based on 9 iCapital reviews<\/td><\/tr><tr><td>BBB accreditation<\/td><td>None<\/td><\/tr><tr><td>BBB rating<\/td><td>None<\/td><\/tr><tr><td>BBB reviews<\/td><td>None<\/td><\/tr><\/tbody><\/table><p>As of April 17, 2025<\/p><h3>What types of loans does iCapital provide?<\/h3><p>iCapital offers the following business loans.<\/p><table class=\"luna-table\"><thead class=\"luna-table__header\"><tr><th style=\"text-align: left; width: 20%;\" scope=\"col\">Type<\/th><th style=\"text-align: left; width: 20%;\" scope=\"col\">How it works<\/th><th style=\"text-align: left; width: 20%;\" scope=\"col\">Loan amount<\/th><th style=\"text-align: left; width: 20%;\" scope=\"col\">Loan term<\/th><th style=\"text-align: left; width: 20%;\" scope=\"col\">Interest rates<\/th><\/tr><\/thead><tbody class=\"luna-table__body\"><tr><td><strong>Recurring term loan<\/strong><\/td><td>Receive a lump sum every quarter and make fixed weekly repayments<\/td><td>Up to $50,000<\/td><td>N\/A<\/td><td>Varies<\/td><\/tr><tr><td><strong>One-time term loan<\/strong><\/td><td>Borrow a lump sum once<\/td><td>Up to $100,000 in annual revenue<\/td><td>3 \u2013 24 months<\/td><td>No traditional interest rate\u2014instead, you pay a flat fee that\u2019s based on your financial situation<\/td><\/tr><tr><td><strong>Secured business loan<\/strong><\/td><td>Borrow a lump sum with collateral (e.g., your house)<\/td><td>Varies, but you could borrow more than with a term loan<\/td><td>Up to 5 years<\/td><td>Starting at Undisclosed<\/td><\/tr><tr><td><strong>Line of credit<\/strong><\/td><td>Borrow up to a limit and make flexible repayments<\/td><td>Varies<\/td><td>N\/A<\/td><td>Varies<\/td><\/tr><\/tbody><\/table><h3>Am I eligible for an iCapital business loan?<\/h3><p>To apply for an iCapital business loan, you need to meet the following criteria:<\/p><ul class=\"list-7\"><li>Own a business that has been operating in Canada for at least 6 months<\/li><li>Have at least $100,000 in annual sales<\/li><li>No open bankruptcies<\/li><\/ul><h4>Required documents and information<\/h4><ul class=\"list-7\"><li><strong>Government-issued ID.<\/strong> You\u2019ll need to submit a piece of ID like your licence or passport to prove your identity.<\/li><li><strong>Business bank statements.<\/strong> You\u2019ll have to show that you meet the requirements for annual or monthly income.<\/li><li><strong>Other financial documents.<\/strong> Depending on how much you\u2019re asking for, you may be asked to supply other official documents (like your company tax returns).<\/li><li><strong>Business plan.<\/strong> It might also help to develop a business plan to show how you plan to grow your business and your revenue, although this isn\u2019t required.<\/li><\/ul><h3>How much does an iCapital business loan cost?<\/h3><p>The cost of an iCapital business loan depends on how much you borrow, your interest rate and loan term. As an example, let\u2019s say you borrow a $50,000 secured business loan from iCapital at 9.99% over 24 months. The monthly cost would be $2,307.02, with a total interest paid of $5,368.37.<\/p><div class=\"monthlyRepayment_calculator_wrapper\">\n\t<div class=\"calc-header-outer\">\n\t<div class=\"calc-header-container\">\n\t\t<h3 class=\"calc-header\">Calculate your iCapital monthly payments<\/h3>\n\t\t<span><\/span>\n\t<\/div>\n\t<\/div>\n\t<div class=\"u-grid\">\n\t\t<div class=\"u-grid__col u-grid__col u-1\/2@s calc-separator\">\n\t\t\t<table class=\"monthlyRepayment_calc-table\">\n\t\t\t\t<thead>\n\t\t\t\t\t<tr>\n\t\t\t\t\t\t<th scope=\"col\" class=\"calc-subheader\">\n\t\t\t\t\t\t\t<div class=\"calc-subheader-text\">Your loan<\/div>\n\t\t\t\t\t\t<\/th>\n\t\t\t\t\t<\/tr>\n\t\t\t\t<\/thead>\n\t\t\t\t<tbody>\n\t\t\t\t\t<tr>\n\t\t\t\t\t\t<th scope=\"col\" class=\"padding-top-small\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tLoan amount\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/th>\n\t\t\t\t\t<\/tr>\n\t\t\t\t\t<tr>\n\t\t\t\t\t\t<td>\n\t\t\t\t\t\t\t<div class=\"luna-affix affix-padded\">\n\t\t\t\t\t\t\t\t<span class=\"luna-affix__label\">$<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<input data-id=\"0000000000\" type=\"number\" min=\"0\" class=\"luna-input calc-input monthlyLoan_amount\" title=\"Enter the loan amount you want to borrow\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/td>\n\t\t\t\t\t<\/tr>\n\t\t\t\t\t<tr>\n\t\t\t\t\t\t<th scope=\"col\">Loan terms (in years)<\/th>\n\t\t\t\t\t<\/tr>\n\t\t\t\t\t<tr>\n\t\t\t\t\t\t<td>\n\t\t\t\t\t\t\t<div class=\"luna-affix affix-padded\">\n\t\t\t\t\t\t\t\t<input data-id=\"0000000000\" type=\"number\" min=\"0\" class=\"luna-input calc-input monthlyLoan_term\" title=\"Enter the number of years of your loan\">\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/td>\n\t\t\t\t\t<\/tr>\n\t\t\t\t\t<tr>\n\t\t\t\t\t\t<th scope=\"col\">Interest rate<\/th>\n\t\t\t\t\t<\/tr>\n\t\t\t\t\t<tr>\n\t\t\t\t\t\t<td>\n\t\t\t\t\t\t\t<div class=\"luna-affix affix-padded\">\n\t\t\t\t\t\t\t\t<input data-id=\"0000000000\" type=\"number\" min=\"0\" step=\"0.1\" class=\"luna-input calc-input monthlyLoan_interest\" title=\"Enter the annual interest rate of your loan\">\n\t\t\t\t\t\t\t\t<span class=\"luna-affix__label\">%<\/span>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/td>\n\t\t\t\t\t<\/tr>\n\t\t\t\t<\/tbody>\n\t\t\t<\/table>\n\t\t\t<div class=\"button_wrapper\">\n\t\t\t\t<a class=\"luna-button luna-button--primary calc-button\" data-id=\"0000000000\" data-variant=\"loanAmount\">Calculate<\/a>\n\t\t\t<\/div>\n\t\t<\/div>\n\t\t<div class=\"u-grid__col u-grid__col u-1\/2@s\">\n\t\t\t<div class=\"monthlyRepayment_directions\" data-id=\"0000000000\">\n\t\t\t\t<h4 class=\"directions\">Fill out the form and click on \u201cCalculate\u201d to see your\n\t\t\t\t\t\t\t\t\t\t\t<strong>estimated monthly payment.<\/strong>\n\t\t\t\t\t\t\t\t\t<\/h4>\n\t\t\t\t<p class=\"margin-top-small\">or<\/p>\n\t\t\t\t<a class=\"luna-button luna-button--action luna-button--large\" href=\"https:\/\/www.finder.com\/ca\/business-loans\/\" target=\"_self\" rel=\"noopener\">Compare business loans<\/a>\n\t\t\t<\/div>\n\t\t\t<div class=\"savings-div monthlyRepayment_savings-div\" data-id=\"0000000000\">\n\t\t\t\t\t\t\t\t\tYou can expect to pay back\n\t\t\t\t\t<span class=\"monthlyCost_value\">\n\t\t\t\t\t\t$<span class=\"monthlyCost_cost\" data-id=\"0000000000\"><\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\tper month\n\t\t\t\t\n\t\t\t\t<h5>Based on your loan terms<\/h5>\n\t\t\t\t<table class=\"luna-table monthlyCost_breakdown\">\n\t\t\t\t\t<tbody class=\"luna-table__body\">\n\t\t\t\t\t\t<tr>\n\t\t\t\t\t\t\t<th scope=\"row\">Principal<\/th>\n\t\t\t\t\t\t\t<td class=\"luna-table__numeric\">$<span class=\"monthlyCost_loanAmount\" data-id=\"0000000000\"><\/span>\n\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t<\/tr>\n\t\t\t\t\t\t<tr>\n\t\t\t\t\t\t\t<th scope=\"row\">Interest<\/th>\n\t\t\t\t\t\t\t<td class=\"luna-table__numeric\">$<span class=\"monthlyCost_interest\" data-id=\"0000000000\"><\/span>\n\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t<\/tr>\n\t\t\t\t\t\t<tr>\n\t\t\t\t\t\t\t<th scope=\"row\">Total Cost<\/th>\n\t\t\t\t\t\t\t<td class=\"luna-table__numeric\">$<span class=\"monthlyCost_totalCost\" data-id=\"0000000000\"><\/span>\n\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t<\/tr>\n\t\t\t\t\t<\/tbody>\n\t\t\t\t<\/table>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n<\/div>\n<h3>What can I use an iCapital business loan for?<\/h3><p>You can use iCapital business loans for many purposes. Here are some examples:<\/p><div class=\"u-grid\"><div class=\"u-grid__col u-1\/2@s\"><ul><li>Paying off taxes or invoices<\/li><li>Marketing campaigns<\/li><li>Hiring or training employees<\/li><li>Renovations<\/li><li>Payroll<\/li><\/ul><\/div><div class=\"u-grid__col u-1\/2@s\"><ul><li>Buying inventory<\/li><li>Upgrading or repairing equipment<\/li><li>Moving<\/li><li>Business expansion<\/li><\/ul><\/div><\/div><h3>How to apply for an iCapital business loan<\/h3><p>If you think that an iCapital business loan is the right fit for you and your business, you can apply for a loan quickly and easily.<\/p><ol class=\"list-10\"><li>Complete the online application, which includes providing your name, email address, personal details, proof of ID and relevant documents.<\/li><li>Review and submit your application.<\/li><li>Get an automatic estimate to show how much you would have to pay back each day.<\/li><li>Get verified and approved in 24 hours if you\u2019re eligible for a loan.<\/li><\/ol><ul class=\"luna-accordionGroup accordionGroup\">\n\t<li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000001\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000001\">\n                <span class=\"luna-accordion__title\">Who are some of iCapital's customers?<\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000001\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>Some of iCapital's customers include Panago, Esso, DQ, Wendy's and Midas.<\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n<li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000002\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000002\">\n                <span class=\"luna-accordion__title\">How can I repay my loan from iCapital? <\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000002\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>After you receive your funding, you'll repay your loan with a daily amount that's deducted from your bank account until the amount you borrowed is paid back in full.<\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n<li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000003\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000003\">\n                <span class=\"luna-accordion__title\">Can I qualify for funding if I run a startup?<\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000003\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>Unfortunately, no. You can only qualify for funding if you've been operational for at least 6 months and can show that you meet the monthly or annual sales requirements.<\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n<li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000004\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000004\">\n                <span class=\"luna-accordion__title\">Can I qualify with bad credit?<\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000004\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>Yes, iCapital can offer small loans if you have bad credit.<\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n\n<\/ul>\n<div id=\"sources\" style=\"position: relative;\"><h3 style=\"position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px; overflow: hidden; clip: rect(0,0,0,0); white-space: nowrap; border: 0;\">Sources<\/h3><div class=\"sources sources__f1\">\n    <link rel=\"stylesheet\" href=\"https:\/\/www.finder.com\/parent-theme\/shortcodes\/article-source\/prod\/article-source.87684078d471e76125dd.css\">\n    \n  <ul class=\"luna-accordionGroup accordionGroup\">\n    <li class=\"luna-accordion\" data-accordion=\"accordion\">\n      <div class=\"luna-accordion__summary\">\n        <h3 class=\"luna-accordion__heading\">\n          <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"sources_1846136842\" data-toggle=\"collapse\" data-target=\"#sources_1846136842\">\n            <span class=\"luna-accordion__title u-text--lg u-font--bold\">Sources<\/span>\n            <svg class=\"luna-icon\" aria-hidden=\"true\">\n              <use href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n              <use href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n            <\/svg>\n          <\/button>\n        <\/h3>\n      <\/div>\n      <div class=\"luna-accordion__details collapse \" aria-hidden=\"true\" id=\"sources_1846136842\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n          <p class=\"sources__description\">Finder writers are subject matter experts and use primary sources, in-depth research and interviews with other experts to ensure you're getting accurate, up-to-date information. Articles are <a href=\"https:\/\/www.finder.com\/ca\/why-trust-us\">fact checked<\/a> in line with our <a href=\"https:\/\/www.finder.com\/ca\/editorial-guidelines\">editorial guidelines<\/a>.<\/p>\n          <ol class=\"u-pl--0 u-text--lg u-font--medium\">\n                                          <li class=\"u-leading--loose\"><a class=\"u-font--medium\" href=\"https:\/\/ised-isde.canada.ca\/cbr-rec\/en\/search\/results?search=%7Bicapital%7D\" target=\"_blank\">Canada Business Registries<\/a><\/li>\n                                    <\/ol>\n        <\/div>\n      <\/div>\n    <\/li>\n  <\/ul>\n    <script defer src=\"https:\/\/www.finder.com\/parent-theme\/shortcodes\/article-source\/prod\/article-source.de087a0da9824e407767.js\"><\/script>\n  <\/div><\/div>","protected":false},"excerpt":{"rendered":"<p>Get a free estimate to see how much you can borrow from iCapital.<\/p>\n","protected":false},"author":1000,"featured_media":1012607,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"apple_news_api_created_at":"","apple_news_api_id":"","apple_news_api_modified_at":"","apple_news_api_revision":"","apple_news_api_share_url":"","apple_news_cover_media_provider":"image","apple_news_coverimage":0,"apple_news_coverimage_caption":"","apple_news_cover_video_id":0,"apple_news_cover_video_url":"","apple_news_cover_embedwebvideo_url":"","apple_news_is_hidden":"","apple_news_is_paid":"","apple_news_is_preview":"","apple_news_is_sponsored":"","apple_news_maturity_rating":"","apple_news_metadata":"\"\"","apple_news_pullquote":"","apple_news_pullquote_position":"","apple_news_slug":"","apple_news_sections":[],"apple_news_suppress_video_url":false,"apple_news_use_image_component":false,"nicheCode":"","productId":"","enableOptimizely":false,"_persistent_nav_menu_items":null,"blockTemplateId":"","_post_hreflang":"en","related_url":"\/icapital-business-loan-review","footnotes":""},"categories":[5740],"tags":[],"asset_tag":[],"class_list":["post-808104","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-business-loans"],"apple_news_notices":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.9 (Yoast SEO v24.9) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>iCapital Business Loan: Pros, Cons &amp; Alternatives | Finder Canada<\/title>\n<meta name=\"description\" content=\"Learn about the pros and cons of iCapital business loans, plus alternatives similar to iCapital, to help you find the best business loan.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.finder.com\/ca\/business-loans\/icapital-business-loan-review\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"iCapital review: Pros, cons &amp; alternatives\" \/>\n<meta property=\"og:description\" content=\"Learn about the pros and cons of iCapital business loans, plus alternatives similar to iCapital, to help you find the best business loan.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.finder.com\/ca\/business-loans\/icapital-business-loan-review\" \/>\n<meta property=\"og:site_name\" content=\"Finder Canada\" \/>\n<meta property=\"article:published_time\" content=\"2019-10-01T16:46:38+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2023\/04\/iCapitalLogo_Supplied.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"250\" \/>\n\t<meta property=\"og:image:height\" content=\"250\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Leanne Escobal\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Leanne Escobal\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"7 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.finder.com\/ca\/business-loans\/icapital-business-loan-review#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.finder.com\/ca\/business-loans\/icapital-business-loan-review\"},\"author\":[{\"name\":\"Leanne Escobal\",\"@id\":\"https:\/\/www.finder.com\/ca\/#\/schema\/person\/9d47eeda06b879b07a813536f2068c72\"},{\"@id\":\"https:\/\/www.finder.com\/ca\/#\/schema\/person\/be4dc313d3aa52c4aa2b45df5c899a1e\"}],\"headline\":\"iCapital review: Pros, cons &#038; 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