Most lenders sell one product and make it fit. We start with what you need the money for, then match you with the right structure — funded by Outlay or by the lender in our network best suited to your deal.
A lump sum in exchange for a share of future sales. Payments flex with your revenue, so slow weeks don’t sink you.
Sell your unpaid B2B invoices and receive most of their value upfront. The balance arrives, less a small fee, when your customer pays.
We pay your supplier directly so you can fill a large purchase order. When your customer pays, the financing is settled and you keep the margin.
Pay for inventory, freight and shipping today and repay over weekly instalments. Available directly, or built into the platforms you already buy from.
Finance vehicles, machinery, technology and fit-outs. The equipment secures the financing, so you keep your cash working in the business.
Our lender network goes beyond the core five. Tell us the situation and we’ll find the fit.
Fixed payments for planned, longer-term investments.
Draw what you need, when you need it.
Repay as a share of monthly revenue.
Short-term funding while bigger capital closes.
| Solution | Best when… | Typical size | Speed |
|---|---|---|---|
| Cash advance | You need flexible capital for growth | $10K – $500K | 2–3 days |
| Invoice factoring | Customers pay on 30–90 day terms | $10K+ | 1–2 days |
| PO financing | You won an order you can’t fund | $50K – $1M | 1–2 weeks |
| Supplier payments | Inventory or shipping bills are due now | Up to $15K | Same day |
| Equipment financing | You’re buying a long-life asset | $25K – $2M | 3–7 days |
You get capital without selling shares. You keep 100% ownership and control of your company.
Both. We fund select deals from our own capital and place others with vetted lenders in our network — whichever gets you the best fit and terms.
No. We use a soft credit pull to see your options, which doesn’t affect your credit score. A hard pull happens only if you accept an offer.
Your business needs to be at least 6 months old, bring in $10K or more in monthly sales, and be registered in Canada or the US.
That’s our job. Tell us about your business and we’ll recommend the right structure.
Find my funding →© 2026 Outlay Capital. Outlay arranges and provides commercial financing for businesses. Not available for personal or consumer use.