services optimized for your success.

Receivable Financing

Invoice financing is a way for businesses to borrow against the amounts due from customers. Invoice financing helps businesses improve cash flow, pay employees and suppliers, and reinvest in operations and growth earlier than they could if they had to wait until their customers paid their balances in full.
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Asset-Backed Lending (ABL)

Asset-based lending is the business of loaning money in an agreement that is secured by collateral. An asset-based loan or line of credit may be secured by inventory, accounts receivable, equipment, or other property owned by the borrower.
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SR&ED Tax Credit Financing

The Scientific Research and Experimental Development program is a tax incentive that encourages businesses to invest in research and development in Canada.
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Receivable Financing

Often the most stressful aspect of operating your business is waiting 30-90 days to get paid for work you have already completed. This cash flow constraint hampers growth and stability.

We can provide the cash flow you need from your existing accounts receivable. There is no need to take on new debt and affect your bottom line or equity stake. We can advance your business up to 80% of the value of your current invoices for as little as 3% per month.

Asset-Backed Lending (ABL)

uLoan Capital realizes that to be successful in today’s fast-paced business environment, reliable access to capital is extremely important. Use your business and even personal assets to secure a Line of Credit from $25,000 to $300,000.
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SR&ED Tax Credit Financing

Canadian businesses can claim tax refunds on a variety of operating expenses related to research and development, including payroll, business leases, material costs, and equipment costs.

Many businesses may take advantage of SR&ED financing. Any businesses that need to develop new processes to manufacture or improve upon products or otherwise operate their businesses more efficiently may be eligible for this tax incentive.

The SR&ED Program is administered by the CRA. Companies qualify by demonstrating they are conducting R&D; where the outcome is novel, unique and uncertain.

Generally, a Canadian controlled private corporation ("CCPC") can earn a refundable Investment Tax Credit ("ITC") at the enhanced rate of 35% on qualified SR&ED expenditures, up to a maximum threshold of $3 million in Eligible Expenses. (An "Eligible Expense" is typically the salary of a scientific worker and a proxy currently set at 55% of his or her salary attributed to the SR&ED Program).

Additionally, Provincial Governments offer SR&ED Credits on Eligible Expenses, normally ranging from 10% to 20%(2) with the net result that a typical CCPC involved in high technology development can have 60% of their salaries dedicated to R&D refunded (i.i., $0.60 of each $1 of Eligible Expenses). Companies accrue Eligible Expenses throughout their financial year and thereafter typically take up to 6 months to file their tax return (which includes their claim for SR&ED Credits) and then a further 3-6 months to receive their refund, implying up to 12-months delay to receive a SR&ED Credit refund, thereby necessitating the need by CCPC's to borrow against future receipt of a SR&ED Credit refund.

The SR&ED Program provides more than $3 billion in tax incentives to over 20,000 claimants annually, making it the single largest federal program that supports business research and development in Canada.'
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DMTC Financing

Seven provinces offer an interactive DMTC Program or similar such program. The DMTC Program operates in a similar manner to the SR&ED Program and can be combined with SR&ED Program to maximize the application's access to government funding.
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Real Estate Bridge Loans

A bridge loan is a short term loan taken out by a borrower against their current property to finance the purchase of a new property. Also known as a swing loan, gap financing, or interim financing, a bridge loan is typically good for a six month period, but can extend up to 12 months.
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Commission Financing

For Realtors and Mortgage Brokers

To be a successful realtor or mortgage broker you will have significant overhead and advertising costs. In this competitive industry, recurring monthly costs versus irregular pay schedules create cash flow shortages. uLoan Capital can provide loans using the commissions you have earned as collateral.
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DMTC Financing

A DMTC credit is calculated on eligible salary and wages incurred in the tax year and ranges from 10% to 40% depending on the province. Applicants must conduct development relevant to the interests of the province in which the DMTC credit is being applied for. For example, in British Columbia, the DMTC focuses on the following sectors(3):
-Video games
-Educational software
-Entertainment products
-Simulators

The BC Digital Media Tax Credit, which was scheduled to end August 31, 2018 is now extended five years to August 31, 2023.

The qualification process is similar to SR&ED except that companies need to demonstrate their applicability to the inductor sector of interest (i.e., one of the four areas of interest by British Columbia as above). The time period to receive the funding for DMTC credits is identical to SR&ED leading to a similar need for applicants to leverage the receipt of future credits.
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Real Estate Bridge Loans

uLoan Capital will provide Bridge Financing for:

     -cash advances on home sales
      -closing cost shortfalls
      -realtor commission advances
      -downpayment shortfalls
      -payouts of reporting loans and more…
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Commission Financing

Commission Loans are available to licensed realtors and brokers in British Columbia. uloan Capital will lend against commissions due to a broker from Unconditional Offer to Purchase only. 

Requires Managing Broker approval
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Litigation and Settlement Loans

A type of advance funding, a lawsuit settlement loan (sometimes called litigation financing or settlement funding) is a cash advance for an impending settlement award or lawsuit judgment.
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Litigation and Settlement Loans

When involved in either ongoing plaintiff litigation or awaiting a pending settlement, the added worry of financial stress does not need to be a part of your life. At uLoan Capital we offer a host of loan options to make this stressful situation more manageable. With loans ranging from $2000.00 to $250,000, we provide flexible options for both corporate and personal loan requirements.
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get more out of your money.

uLoan Capital is your solution for business growth. Our services allow you to fund projects, make large purchases, or handle staffing expenses using the existing equity in your business.
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3677 BC-97 #111B
Kelowna BC
V1X 5C3

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