Supporting Small Business Owners Across North America

We specialize in fast, flexible cash flow solutions tailored for small businesses. Experience a transparent, secure, and hassle-free process designed to help you thrive.

Map of North America highlighting service regions

Outline of How we Evolved

2017
Founded to offer merchant cash advances for SMBs
Toronto skyline with greetings in English, French, and Spanish, representing multilingual outreach
In 2017, OnTap Capital was established to fill a crucial gap in the market by offering fast and reliable cash advances and bridge loans to small and medium-sized businesses. Our mission was simple: provide quick access to working capital without the hurdles of traditional banking, helping businesses grow and overcome short-term financial challenges.
2018
Expanded funding services to support more industries and businesses.
Office meeting in a modern workspace, representing business growth and expansion of funding services
By 2018, we had expanded our funding options to serve more industries, offering flexible cash advances and bridge loans tailored to meet the specific needs of various businesses. This year also marked the beginning of our long-term partnerships with industry leaders, allowing us to provide faster and more reliable capital to clients across North America.
2019
Launched fast, flexible funding programs for growing businesses.
Overhead view of a crowded business networking event with the text 'Building Strong Connections,' symbolizing trusted relationships with industry leaders.
In 2019, OnTap Capital introduced new funding programs focused on speed and flexibility, enabling businesses to secure the capital they needed to grow. Our cash advances and bridge loans became an essential tool for businesses seeking short-term financial solutions to fuel expansion, manage operational costs, or seize immediate growth opportunities.
2020
Adapted to the pandemic with flexible, emergency loan options.
Infographic showing 42% of businesses that received emergency funding from OnTap Capital in 2020 maintained operations and grew, while 58% remained stable but saw no growth.
As the world faced unprecedented challenges in 2020, OnTap Capital quickly adapted to the needs of businesses during the pandemic. We introduced emergency cash advances and bridge loans to help businesses manage cash flow disruptions and continue operations. Our flexibility and fast response time allowed clients to stay afloat and even thrive in challenging economic conditions.
2021
Surpassed $50M in funded projects for diverse business needs.
Image of the Earth surrounded by clouds, symbolizing sustainability and a brighter future. Caption: 'Building a Brighter Tomorrow: Crafting innovative solutions for a sustainable future.
2021 was a pivotal year for OnTap Capital, with over $100 million in funding provided to businesses across diverse industries. Our bridge loans and cash advances helped companies of all sizes manage growth, handle cash flow gaps, and seize new opportunities. We became a trusted partner for businesses needing quick, reliable access to capital.
2022
Expanding Support for Growing Businesses
View of Toronto skyline at sunset, symbolizing progress. Caption: '10M Funded in 2022. Streamlining Financial Solutions: Leveraging cutting-edge technology for faster, more transparent cash advances and bridge loans.
In 2022, we made significant enhancements to our digital platform, making the process of securing cash advances and bridge loans faster and more transparent. With improved technology, businesses could access funding with just a few clicks, allowing for quicker approvals and disbursements. Our goal was to ensure businesses received the capital they needed when they needed it most.
2023
Opened new offices to expand cash advance services across North America.
Mountain peak symbolizing growth. Caption: 'Expanding Our Reach Across North America. Reached 5 New Provinces & States. Progress.
OnTap Capital continued its growth in 2023 by opening new offices across North America, allowing us to serve even more businesses with our fast and flexible funding solutions. We focused on providing cash advances and bridge loans to businesses in need of quick capital to expand, invest in new projects, or bridge gaps in cash flow.
2024
Driving innovation with tailored bridge loans and transparent funding.
Smiling professional seated in a chair. Caption: '98% Client Satisfaction, Trusted by businesses for fast, transparent funding solutions. Driving Sustainable Business Growth: In 2024, we remain committed to empowering entrepreneurs with transparent, flexible funding that supports long-term success.'
In 2024, OnTap Capital is committed to innovation and transparency. We continue to refine our cash advance and bridge loan services to provide faster, more customized solutions for small and medium-sized businesses. As we look ahead, our goal remains to empower entrepreneurs with the funding they need to drive growth and navigate financial challenges.