Canadian small businesses don't get killed by competition. They get killed by cash flow.
Banks say no to anything that doesn't fit a template — even when the business is profitable, growing, and well-run. Meanwhile, predatory MCAs and high-rate factoring shops eat margin until there's nothing left to grow with.
Nex was built to sit in between. A brokerage that earns its fee only when your facility funds — which means we shop hard, structure smart, and only recommend what actually moves the needle for your business.
Three principles. Non-negotiable.
Every fee in writing, before you sign
No surprise origination fees. No buried broker fees. Whatever the lender charges and whatever we earn — disclosed up front in plain language, before any commitment.
The cheapest yes isn't always the best yes
We turn down files we can't structure responsibly. We tell clients when a smaller facility is actually safer. We push back on terms that break under real-world cash flow stress.
Finance, in your language
English, Punjabi, Hindi. Built to serve immigrant entrepreneurs and family-owned operations who deserve the same quality of advice English-speaking businesses take for granted.
Toronto-based. Built across Canada.
Our office sits in midtown Toronto, but our lender network reaches every province. We fund deals in Vancouver, Calgary, Winnipeg, Mississauga, Montréal, Halifax — and everywhere in between.
Suite 6060
Toronto, ON M4N 3N1
Sat 10am–4pm
Speak to an advisor in the language you do business in. We translate term sheets and walk you through the underwriting process from end to end.
Want to work with us?
Start an application or book a 15-minute intro call. We'll tell you straight whether we can help.