Fast Working Capital for Canadian & US Businesses
$10K to $5M. Funded as fast as 24 hours. CAD & USD available. No collateral required. No hard credit pull.
Trusted, Accredited & Reviewed
Funding for the day-to-day, not the long-term
Working capital is short-term funding used to cover the gap between when bills come due and when revenue lands. Unlike a term loan or SBA loan, it's built for operating expenses — not big equipment buys or real estate.
Most small and medium businesses hit cash crunches a few times a year. Slow seasons, late-paying clients, sudden equipment failures, growth that runs ahead of receivables. Working capital exists to keep operations moving while you wait for revenue to catch up.
Mimo's working capital is decisioned on your recent revenue, not collateral. Apply in 5 minutes. Funded as fast as 24 hours.
Common uses
- Cover payroll during slow weeks
- Restock inventory ahead of peak seasons
- Bridge slow-paying customer invoices
- Fund marketing pushes or new locations
- Cover equipment repairs and unexpected costs
- Smooth out cash flow between billing cycles
Built for businesses that can't wait on banks
We work with hundreds of industries — these are five we know inside and out. Your business doesn't need to be on this list to qualify.
Trucking
Cover fuel, repairs, and driver pay while waiting on shipper invoices to clear. Keep the wheels turning without dipping into reserves.
Logistics
Bridge the gap between client billing cycles and operational expenses. Stay ahead of payroll and overhead during slower months.
Brick-and-Mortar Retail
Restock inventory ahead of peak seasons without draining cash reserves. Cover rent and staff through quieter weeks.
Restaurants & Food
Cover payroll, ingredient costs, and equipment repairs during slow weeks. Bridge the gap between busy seasons.
Medical Offices
Smooth out insurance reimbursement timing or invest in new equipment. Keep operations steady through billing-cycle gaps.
Funded across the industries above
“Super responsive, totally transparent, and quick funding. Love it.”
Cedric W.
Freight Transportation · Georgia
Funded: $5,000
“We needed working capital fast to cover payroll during a slow season. Mimo Funding had us approved within hours and funded the next day. No runaround, no endless paperwork — just straight answers and fast execution. Highly recommend to any business owner who needs real support.”
David R.
Restaurant · Ontario, Canada
Funded: $45,000
“I contacted three lenders before Mimo. Nobody moved as fast or was as transparent about terms. Within 24 hours I had an offer on the table and funds in my account shortly after. They actually took the time to explain my options instead of just pushing me toward the highest amount.”
Sandra L.
Retail Boutique · British Columbia, Canada
Funded: $28,000
“Funding against our invoices allowed us to take on larger clients without worrying about 30–60 day payment terms.”
Mohammad N.
Healthcare · Arizona
Funded: $300,000
Four Steps to Funding
Apply
5 minutes
Fill out our short online form in 5 minutes. We collect only what we need to match you with the right funding solution.
We Review
Within hours
Our team evaluates your business and identifies the best funding options tailored to your needs and goals.
Approve
As fast as 24 hours
Receive your funding offer as fast as 24 hours, with clear terms — no hidden fees, no surprises.
Funded
Same day after approval
Money in your account fast — in CAD or USD.
Common Questions
Mimo Funding is a business financing provider dedicated to helping merchants access the funding they need to grow. We offer quick, flexible solutions tailored to meet the unique needs of your business.
To qualify, your business must have been operational for at least 9 months and have a minimum monthly gross revenue of $10,000.
Once approved, funds can be deposited into your account as fast as 24 hours.
Most of our funding options are unsecured, meaning you do not need to provide collateral.
Yes, you can use the funds for various business needs, such as managing cash flow, purchasing equipment, expanding operations, or covering payroll.
Repayment terms vary depending on the type of funding you choose. We offer flexible repayment options designed to fit your business's cash flow.
We are transparent about any fees associated with our funding options. Fees will be clearly explained during the application and approval process.
“Not all funding is good funding. We help you choose the right one.”
Ready to Find the Right Funding?
One application. Multiple options. Structured around your business.