As a trusted advisory firm, we understand the importance of timely access to working capital in supporting and advancing business growth. Our mission is to provide strategic funding solutions designed to strengthen and expand your operations both now and in the future. Our approach emphasizes efficiency and flexibility, offering streamlined approval processes and tailored financial solutions to meet your specific business needs. In addition to funding, we offer value-added strategic and financial advisory services to support your long-term success. Through select partnerships with established financial institutions, we are equipped to support a wide range of funding requirements across various sectors. Our commitment is to deliver thoughtful, transparent, and results-driven capital solutions aligned with your objectives.

Our application process is designed to be efficient, transparent, and client-friendly. Through our secure digital platform, applicants are guided through a streamlined procedure, ensuring clarity at every step. Once all required documentation is submitted, preliminary decisions on standard funding requests can typically be communicated within 24 hours. For specialized funding solutions—such as Equipment Financing or Asset-Based Lending—a thorough due diligence process is conducted. This may take up to five business days, depending on the complexity of the request and the quality of the supporting documentation. For transactions involving financial instruments, we strictly adhere to international compliance standards, including full Anti-Money Laundering (AML) and Know Your Customer (KYC) requirements. The formal processing of these applications begins only after all documentation has been verified and received. More comprehensive programs, such as those involving capital markets or long-term funding structures, may require extended processing timelines, typically ranging up to several months, depending on the scope of the engagement and the completeness of client submissions. We remain committed to a responsive and diligent application experience, ensuring our clients are supported throughout every stage of the funding process.

To be considered for our tailored funding solutions—encompassing structured financing and trade-related financial services—applicants are expected to meet the following eligibility criteria: A minimum of six (6) months in continuous business operations Demonstrated monthly revenues of at least $20,000 Business presence in the United States, Canada, or other approved international markets A personal or business credit score of 680 or higher, accompanied by a recent credit report Submission of the most recent six (6) months of business bank statements Two (2) years of filed tax returns Completed funding application form Where applicable, appropriate collateral may be required. Additionally, applicants must complete standard documentation and compliance protocols, including: Know Your Customer (KYC) and Anti-Money Laundering (AML) forms Confidentiality and Non-Disclosure Agreement (NDA) Complete funding documentation package Our process is designed to deliver customized, compliant funding options that align with your business goals—while maintaining a strong focus on clarity, integrity, and efficiency.

We recognize that access to financial resources plays a critical role in driving business growth and sustaining operations. Our funding solutions are designed to support a wide range of business needs, including payroll, equipment acquisition, inventory management, facility improvements, and expansion initiatives. Our approach is centered on partnership—we respect your strategic vision and operational expertise, and we aim to complement that with efficient access to the capital your business needs. Each funding solution is tailored to align with your goals, ensuring flexibility and relevance to your specific use case. Our alternative financing options also support broader initiatives such as business development in new markets, structured trade activities, and capital investment projects. Through our established financial partners, we facilitate access to instruments that can support your operational and growth objectives. Ultimately, we empower our clients to manage their capital with confidence, while we remain committed to providing dependable, structured, and professional financial support.

We understand that past credit challenges—including bankruptcies—can create concerns when seeking funding. At Gaflex Capital Funding Inc., our role as an advisory firm is to assess each client's unique circumstances and connect them with the most suitable financial solutions available. While traditional lenders may view poor credit as a limitation, there are alternative funding pathways that may still be viable depending on several factors, including: Strong recent cash flow or revenue history Business assets or collateral A co-signer or guarantor with good credit Partnering on joint ventures or equity-backed arrangements Use of trade finance instruments or structured funding models We would be happy to explore all available options after a confidential review of your current financial standing, business performance, and future goals. Our aim is to support you in rebuilding financial credibility while potentially accessing capital that aligns with your business needs. Let us know if you'd like to schedule a consultation to discuss this further.

Funding approvals are typically issued within 48 hours upon receipt of a complete application package; however, processing may extend up to 72 hours depending on the funding amount and the timely submission of all required documentation. Final approval is subject to successful completion of due diligence (DD) and verification of all submitted materials.

Timelines may vary depending on the type of solution. In general, initial steps may begin within 24 hours of receiving an executed contract. Alternative financing processes can take several months, while trade finance instruments may take a few weeks. All timelines are subject to change based on the specifics of the transaction and documentation provided.

Our advisory process is straightforward. Once we receive your completed application and supporting documents, we conduct a brief review based on your business’s performance. In many cases, funding can be arranged within 48 hours, depending on the nature of the request and documentation provided.

The funding amount typically aligns with a percentage of your business’s monthly revenue. For larger or specialized financing, higher amounts may be considered based on full documentation, asset evaluation, and a satisfactory credit profile.

This is not a traditional loan. Instead, it is a structured funding solution where capital is provided upfront and later repaid through an agreed portion of future business revenues. For larger or specialized financing, funding may be arranged through strategic partners and institutions, depending on the structure of the transaction and due diligence outcomes.

You are not obligated to take the full approved amount. For facilities structured as a line of credit, you have the flexibility to access only what your business requires, with costs applying only to the portion utilized. In the case of structured alternative financing, full draw-down is typically required, as terms such as interest, duration, and fees are based on the total approved amount and outlined in the final agreement.

As an advisory company, we collaborate with a wide network of industry partners across more than 80 sectors, including food services, healthcare, automotive, manufacturing, construction, technology, and retail. We also maintain strategic relationships with select Private Equity and Venture Capital groups, as well as established equipment finance partners in both Canada and the United States, enabling us to support a diverse range of business needs.

When initiating a request, we typically require basic business documentation such as recent bank statements and valid identification. For alternative lending tailored to a specific project, our advisory team will provide a customized list of required documents and information to begin the process, ensuring a smooth and efficient experience.

To ensure your application is processed as efficiently as possible, we recommend submitting all required documents promptly and accurately. Our advisory team is committed to guiding you through each step with clarity and support, ensuring a seamless and timely experience. Once we receive your completed application and supporting information, we prioritize swift assessment and communication to help move your request forward without delay.