Working Capital
Short-term financing to cover operational needs — payroll, inventory, supplier payments, or bridging accounts receivable gaps. Keep your business running smoothly without sacrificing equity.
30-day to 12-month terms
Business Financing
Business Equity
Capital That Fuels Growth.
Strategic equity financing and growth capital for Ontario businesses. From working capital and expansion loans to bridge financing and equity partnerships — we align our success with yours.
Working CapitalExpansion FinancingBridge LoansEquity PartnershipsEquipment Financing
Business Capital
Grow Your Business with the Right Capital Partner
Every growing business reaches a point where conventional bank financing becomes a bottleneck. Approval timelines are long, qualifying criteria are rigid, and the relationship is transactional. AJW Investment Group is different.
We take a partnership approach to business financing — understanding your industry, your growth trajectory, and your capital needs. We structure solutions that accelerate your business, not constrain it.
Whether you need working capital to bridge a seasonal gap, expansion financing for a new location, or strategic equity for a major acquisition, our team brings both capital and expertise to the table.
Financing Solutions
Business Equity Products We Offer
Tailored capital solutions for every stage and situation your business faces — from early growth to acquisition and exit.
Expansion Financing
Capital to fund new locations, market expansion, staff growth, or infrastructure investment. We structure around your projected revenues and realistic growth milestones, not just today's financials.
Custom repayment structures
Bridge Loans
Short-term capital to bridge a timing gap — awaiting a contract payment, closing a real estate deal, or transitioning to long-term institutional financing. Fast, flexible, and purpose-built.
Days to close, not weeks
Equity Partnerships
For the right opportunities, AJW Investment Group takes a direct equity stake. We bring not just capital, but strategic guidance, network access, and a genuine commitment to your long-term success.
Active or passive positions
Equipment & Asset Financing
Finance the equipment, vehicles, or assets your business needs to operate and grow. Structured as secured loans against the assets themselves, keeping your working capital free for operations.
Up to 80% of asset value
Acquisition & Buyout Financing
Financing for business acquisitions, management buyouts, or partner buyouts. We evaluate the target business's cash flow and assets to structure loans that the business itself can service.
Deal-by-deal structuring
The AJW Approach
More Than a Lender. A Growth Partner.
We've invested in and financed dozens of businesses across multiple sectors. That experience means we evaluate deals with real-world business judgment, not just financial ratios.
We ask different questions. What's your competitive moat? What does your customer acquisition look like? What happens to cash flow in a downturn? These aren't just due diligence questions — they help us structure financing that makes your business stronger.
When AJW Investment Group takes an equity position, we're fully aligned with your success. We win when you win. That's the foundation of every partnership we build.
- ✓ Sector-agnostic — retail, tech, manufacturing, services
- ✓ Revenue-based and asset-backed options
- ✓ No board seats required for debt financing
- ✓ Transparent terms, no hidden fees
- ✓ Decision-makers you can actually talk to
How It Works
Our Business Financing Process
We've designed our process to be fast and straightforward — because businesses need capital now, not in three months.
01
Business Overview
Share your business background, financial summary, capital requirement, and intended use of funds. We review every submission personally and follow up within 24 hours with honest feedback on fit and preliminary terms.
02
Financial Review & Diligence
We conduct a thorough review of your business financials — revenue trends, margins, cash flow, and balance sheet. For equity opportunities, we'll also assess market position, competitive landscape, and management team.
03
Term Sheet
We present a clear term sheet outlining loan amount or equity stake, interest rate or return structure, term length, repayment mechanics, and any covenants or conditions. All terms are negotiable — we want a structure that works for both parties.
04
Closing & Deployment
Legal documentation is prepared, signed, and filed. Funds are deployed to your business account. For equity partnerships, we schedule a kickoff meeting to align on priorities, communication cadence, and 90-day goals.
Common Questions
Business Equity FAQs
What size businesses do you work with?
We work with businesses generating $500K to $50M+ in annual revenue. Startups are generally not a fit for debt products, but may be considered for equity partnerships where the opportunity is compelling.
Do I need to give up equity for a loan?
No. Our debt products (working capital, expansion loans, bridge financing) are structured as loans — no equity dilution. Equity partnerships are a separate product offered only when both parties see a mutual benefit.
What industries do you work with?
We're sector-agnostic — retail, hospitality, manufacturing, professional services, construction, technology, and more. We evaluate each business on its own fundamentals, not its industry label.
How long does approval take?
For working capital and bridge loans, preliminary approval can come within 48 hours. More complex structures (equity partnerships, acquisition financing) take 1–3 weeks for full diligence and documentation.
What if my business has a short operating history?
Newer businesses may qualify with strong personal guarantees, real estate collateral, or particularly compelling business models. We evaluate each situation individually — reach out and let's have an honest conversation.
What are typical loan sizes?
Business financing typically ranges from $100,000 to $5M+ for debt products. Equity partnerships vary widely based on the opportunity. Contact us directly for a size indication based on your specific needs.
Ready to Grow?